CIBIL Score Tips: How to check CIBIL score without PAN card, know here...

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If you want to take a loan or credit card, then you need to understand your creditworthiness. In this, Credit Information Bureau (India) Bureau Limited i.e. CIBIL score plays an important role. A credit score helps banks make decisions in giving credit cards and loans to customers. Your CIBIL score is affected by your credit history. It is calculated specially.


What is cibil score?
Your CIBIL score is a three-digit number that tells you whether you are eligible to take a loan and whether you can repay it or not. It ranges between 300 to 900. The higher your CIBIL score, the higher the chances of your loan being approved. Banks and financial institutions assess the risk in giving you a loan using this score (kaise check karen cibil score).

How to get a CIBIL score without a PAN card
1- Go to the official website of CIBIL and click on Personal CIBIL Score. Then click on Get Your Free CIBIL score. After this follow the given link and fill in all the details.

2- If you do not have a PAN card, then you can take the help of alternative identity cards like a passport, voter ID, driver's license, or ration card. You will have to enter the number of your chosen option.
3- Enter your date of birth and pin code and select your state. Finally, enter your mobile number and click on Accept and Continue.
4- Authenticate your identity by entering the OTP and then clicking on Continue.
5- Select whether you want to link your device to your account or not. You can select Yes or No.
6- After successful registration, you will get a page confirming that you have successfully registered.
7- Click on Go to Dashboard and see your CIBIL score.


Factors affecting CIBIL score
Many factors affect the CIBIL score. Some of these are as follows...
1- Depth of Credit: This is the duration of your existing credit history. It is calculated from your oldest credit account.
2- Long-term trend of outstanding balances: The overall trend of your outstanding balances affects your score.

3- Transaction History on Credit Cards: How you manage your credit card transactions affects your score.
4- Total outstanding to actual repayment ratio: This ratio reflects your loan repayment behavior and affects your score.
5- How many new accounts opened and how many closed: Opening and closing accounts can affect your score. Therefore it is important to manage it smartly.

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