Check CIBIL Score Free Within Seconds

When you apply for a loan or credit card, lenders often ask for your credit history. If you have previously taken a loan, you must have a credit history. You can check CIBIL score free before applying for any loan or credit card. But, you should not do multiple enquiries because it might affect your credit score.

If you have avoided CIBIL score check because you find it very time consuming, you will be happy to know that you can do it within a few minutes. In this article, we have given the simplest way through which you can check your CIBIL Score by PAN card within a minutes. You only need to mention some basic information and you will get the result within a few minutes.

How to check CIBIL score by PAN card?

You can follow the below steps in order to check your score online:

1. Go to check CIBIL score check website
2. Provide your full name as mentioned on the PAN card
3. Enter your Date of Birth
4. Choose the gender you belong to
5. Mention your PAN card number
6. Enter your contact address
7. Provide the email ID fn which you want to get the credit report
8. Enter your mobile number
9. Submit the form

What exactly does a bad CIBIL score mean?

A credit score is based on an individual's entire debt and credit history; there are various factors that affect your CIBIL score. Some of the factors are mentioned here:

• The repayment history (35%)
• The amount you owe to lenders (30%)
• Number of years of servicing debt (15%)
• Number and amount of recent loans taken or applied for (10%)
• The Credit Mix (10%)

What is the minimum CIBIL required?

The minimum score required for a loan is different from that of credit card. For loans, minimum CIBIL score would be 700 or above and it also depends on the type of loan. For an unsecured loan such as personal loan, CIBIL score matters less than that of a secured loan such as home loans. Since unsecured personal loans are given on the basis of income and professional stability. However, unsecured personal loans such as home loan is given on the basis of income and property value. So, here the value of credit history is higher.

In case of a credit card, best ones are accessible to those who have a score of 750 or above. Those who have credit score of 800 or above have even more reach to the best options. So, the minimum CIBIL score required for a credit card and loan may vary depending on the product. You can get your credit report on email ID as well.

To download your CIBIL report, please follow the below steps:

1. Visit ‘CIBIL Score’ check page.
2. Click on ‘Login’
3. Now enter your registered email ID and mobile number
4. Enter the ‘OTP’ sent to your mobile number
5. Login with the given details
6. Go to CIBIL Report under CIBIL and download the report.