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.
Overview
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.
Built for
Use cases
Where teams use the Credit Report CIBIL API
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Instant credit decisioning in digital lending
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Assessing existing obligations before approving a loan
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Detecting credit-hungry behaviour from enquiry patterns
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Periodic portfolio monitoring of existing borrowers
Frequently Asked Questions (FAQs)
Related APIs
- CKYC Generate OTP Send an OTP to the customer's registered mobile number to authorise download of their Central KYC record.
- Credit Report Crif Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.
- Credit Report Experian Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
- Credit Report Experian V2 The current Experian credit report endpoint, returning score, account history, enquiries and derived credit attributes.
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.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale