Finance Ministry Allows TransUnion CIBIL to Use Aadhaar for Credit Report Access

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  • Last Updated on 1 March, 2026

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Aadhaar authentication for credit report access

Notification No. S.O. 1011(E); Dated: 25.02.2026

The Ministry of Finance has permitted TransUnion CIBIL Limited to use Aadhaar authentication for identity verification of users accessing credit information reports on its platform.

1. Scope of Aadhaar Authentication

The approval allows TransUnion CIBIL to use Aadhaar-based authentication strictly for:

  • User registration on the CIBIL platform
  • Login and identity verification for accessing credit information reports

The use of Aadhaar authentication will be voluntary and not mandatory for users.

2. Availability of Alternative Identification Options

Users must be provided with alternative identification methods if they choose not to use Aadhaar authentication. These alternatives include:

  • Permanent Account Number (PAN)
  • Passport
  • Voter ID
  • Driving Licence
  • Ration Card

This ensures that access to credit information services remains inclusive and accessible without mandatory Aadhaar usage.

3. Safeguards and Limitations

The permission granted is subject to the following safeguards:

  • Aadhaar authentication can be used only for identity verification during registration and login
  • It cannot be made compulsory for accessing services
  • Alternative identity verification mechanisms must remain available at all times

4. Objective of the Permission

The move aims to facilitate secure and convenient identity verification for users accessing credit information reports, while maintaining user choice and ensuring compliance with data protection and regulatory requirements.

Click Here To Read The Full Notification

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Author: Taxmann

Taxmann Publications has a dedicated in-house Research & Editorial Team. This team consists of a team of Chartered Accountants, Company Secretaries, and Lawyers. This team works under the guidance and supervision of editor-in-chief Mr Rakesh Bhargava.

The Research and Editorial Team is responsible for developing reliable and accurate content for the readers. The team follows the six-sigma approach to achieve the benchmark of zero error in its publications and research platforms. The team ensures that the following publication guidelines are thoroughly followed while developing the content:

  • The statutory material is obtained only from the authorized and reliable sources
  • All the latest developments in the judicial and legislative fields are covered
  • Prepare the analytical write-ups on current, controversial, and important issues to help the readers to understand the concept and its implications
  • Every content published by Taxmann is complete, accurate and lucid
  • All evidence-based statements are supported with proper reference to Section, Circular No., Notification No. or citations
  • The golden rules of grammar, style and consistency are thoroughly followed
  • Font and size that's easy to read and remain consistent across all imprint and digital publications are applied