The Credit Information Bureau of India (CIBIL) score is a three-digit number, the maximum possible score being 900. It is used to evaluate a potential borrower’s creditworthiness and repayment capacity. check your CIBIL score with a PAN card. Borrowers’ credit scores are determined by a few criteria, including the length of their credit history, their payment history, and the number of credit inquiries they have had.
Here’s a step-by-step process to check your CIBIL score with a PAN card.
- Look at everything CIBIL has to offer on its website.
- Enter your details to gain access to the page.
- When logged in, you’ll see a link that reads “Get CIBIL Score” in the top right corner. Just tap that link.
- Create a username and password by entering your personal information. Use that password to access the CIBIL portal.
- To verify your identity, select “Income Tax ID (PAN)” as your ID type.
- A PAN number is the next required field.
- When prompted, select the “Verify Your Identity” tab. For the verification process to continue, you will be asked a few questions.
- Use the OTP sent to your phone and email to access your account.
- Be sure to enter accurate information before sending in the form.
- The screen will show your CIBIL rating.
If you pay a monthly, semiannual, or annual fee, you’ll also have access to your credit report summary, score history, and other details.
The processing fee for a personal loan:
The personal loan processing fee can range up to 4% of the sanctioned, depending on the lender and applicant’s credit profile.
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