# CIBIL Credit Report for Lenders and NBFCs API | FastKYC

> Fetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.

Source: https://www.fastkyc.com/apis/credit-report-cibil/

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[Finance APIs](/apis/finance/)

# 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.

[Book a Demo](/book-demo/)

Category

[Finance APIs](/apis/finance/)

Built for

-   [Lending & NBFC](/industries/lending/)
-   [Real Estate & Rentals](/industries/real-estate/)

## 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

1.  Instant credit decisioning in digital lending
    
2.  Assessing existing obligations before approving a loan
    
3.  Detecting credit-hungry behaviour from enquiry patterns
    
4.  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.](/apis/ckyc-generate-otp/)
-   [Credit Report Crif API Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.](/apis/credit-report-crif/)
-   [Credit Report Experian API Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.](/apis/credit-report-experian/)
-   [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.](/apis/credit-report-experian-v2/)

## Guides on the Credit Report CIBIL API

-   [GuideCredit Report Verification for Lenders: CIBIL, Experian, CRIF & Equifax ExplainedA guide to credit report verification in India using CIBIL, Experian, CRIF High Mark and Equifax — what their reports show, and how to check them by API.](/blog/credit-report-for-lenders/)

## Start verifying with the Credit Report CIBIL API

Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.

[Book a Demo](/book-demo/) [Browse All APIs](/apis/)

-   One API key for every check
-   Verified against official Indian records
-   Built for onboarding at scale