How to download your free CIBIL report PDF using a PAN card

The law requires credit bureaus to give you one free full credit report every year. You can get yours directly from the official TransUnion CIBIL website without paying a fee or using third-party apps. Here is the step-by-step process to download your report as a PDF using just your PAN card.

By Qrates research desk · 2026-10-30

To download your official CIBIL report for free, visit the TransUnion CIBIL website and click the button to get your free score. You can create an account using your PAN card, email, and mobile number. Once logged in, look for the 'Print Report' button on your dashboard to save the file as a PDF.

What you need before you start

You need three things to get your Free Full Credit Report (FFCR). Keep these ready before you open the website.

Your PAN card number.
The mobile number linked to your bank accounts and credit cards.
An active email address to receive the login OTP and account updates.

Step-by-step guide to downloading your report

Follow these steps to get your report directly from the credit bureau.

Open the official TransUnion CIBIL website and click 'Get Your Free CIBIL Score'.
Fill in your email address, create a password, and enter your PAN card number under the ID type.
Enter your date of birth, pincode, and mobile number.
Enter the one-time password (OTP) sent to your phone to verify your identity.
Go to your dashboard, click 'Credit Report', and select 'Print Report' to download the CIBIL report PDF.

How long it takes and what it costs

The process takes about five minutes on a phone or computer. The Free Full Credit Report (FFCR) costs ₹0. The law requires credit bureaus to give you one free full report every year (rbi.org.in).

CIBIL offers paid subscriptions for monthly updates. You do not need them for a one-time check. If you are curious about the differences between various credit score apps in India, you can compare their features and costs.

Under the 2026 RBI rules, banks now report data to credit bureaus weekly (rbi.org.in). This means your free report will show recent loan closures or payments much faster than before. If you are concerned about how these rules affect loan and credit apps, you can read our guide on RBI digital lending rules to stay informed.

If it does not work

Sometimes the website says your PAN is already registered. This happens if you checked your score years ago. Use the 'Forgot Password' link with your email or phone number to log back in.

If your report shows a loan you did not take, look at the top right of the PDF. You will see a Control Number. You need this Control Number to file a dispute on the CIBIL dispute resolution page.

Once you file a dispute, CIBIL checks with the bank that reported the loan. The bureau has 30 days to resolve the error with your bank. If you find that the loan was fraudulent, you may also need to report cyber fraud to the authorities.

FAQs

How to download CIBIL report PDF with PAN card?

Visit the TransUnion CIBIL website and select the option to get your free score. Enter your PAN card details, verify your phone with an OTP, and click the 'Print Report' button on your dashboard to save the PDF.

Does checking my own CIBIL score lower it?

No, checking your own score is a soft inquiry. A soft inquiry does not lower your credit score. Only hard inquiries from banks during a loan application affect your score.

Is it safe to check CIBIL score on third party apps?

Many third-party apps offer free credit scores in exchange for your data. They often use this data to market loans and credit cards to you. You can check what phone permissions and data these apps collect on the Qrates credit score apps directory.

What is the official website to check CIBIL score?

The official website to check your TransUnion CIBIL score is cibil.com. Using the official site ensures you get your Free Full Credit Report directly from the bureau without third-party marketing.

The short version

The Free Full Credit Report (FFCR) is available once a year for ₹0 on the official CIBIL website.
You need your PAN card, email, and linked mobile number to create an account.
You can save the report as a PDF by clicking 'Print Report' on your dashboard.
Banks now report data weekly under 2026 RBI rules, making your report more up to date.
Checking your own score is a soft inquiry and does not lower your score.