Credit Report CIBIL API
Fetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.
What the Credit Report CIBIL API does
Credit Report CIBIL returns a borrower's TransUnion CIBIL score along with the detailed report behind it: existing loans and cards, repayment history, outstanding balances and recent enquiries.
CIBIL is the most widely referenced bureau in Indian retail lending, and the score alone rarely tells the whole story. The account-level detail is what shows whether a thin file reflects a new borrower or a rebuilt one, and whether recent enquiries suggest someone shopping widely for credit.
Where teams use the Credit Report CIBIL API
Instant credit decisioning in digital lending
Assessing existing obligations before approving a loan
Detecting credit-hungry behaviour from enquiry patterns
Periodic portfolio monitoring of existing borrowers
Frequently Asked Questions (FAQs)
Does pulling a report affect the customer's score?
Consented lending enquiries are recorded as hard enquiries and can have a small effect. Pull only when you have a genuine decision to make.
What consent is required?
Explicit borrower consent, recorded and retrievable. Bureau access without it is a serious compliance breach.
Which bureau should I use?
Coverage differs between CIBIL, CRIF and Experian, particularly for thin-file borrowers. Many lenders check more than one before declining.
Related APIs
- CKYC Generate OTP API Send an OTP to the customer's CKYC-registered mobile number to authorise download of their Central KYC record, the first step of a consented CKYC fetch.
- Credit Report Crif API Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.
- Credit Report Experian API Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
- Credit Report Experian V2 API The current Experian credit report endpoint for lenders, returning credit score, account history, enquiries and derived attributes for loan underwriting.
Start verifying with the Credit Report CIBIL API
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- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale