CIBIL Credit Report API
Pull a consumer’s CIBIL score and full credit report in one call, as JSON your credit rules can read without a human opening a PDF.
The documentation opens in the VerifyAll dashboard after sign-in, for accounts with approved API access. New to the API? Start with the developer guide.
Overview
What the CIBIL Credit Report API does
The CIBIL Credit Report API pulls a consumer’s CIBIL credit report and returns it as structured JSON: the CIBIL score (300 to 900) with a band in plain words, every credit account with its balance, overdue and counted repayment record, and the enquiries on the file. You send PAN, mobile number, full name as on the PAN and gender, with the person’s consent.
Many Indian credit policies are written around the CIBIL score, so it is often the first report a lending journey asks for. total_overdue, written-off or settled flags, the worst days past due on each account and the enquiries in the last twelve months arrive as fields a decision engine can use straight away.
POST /universal/cibil-report returns the report once and keeps nothing. POST /credit-report/cibil/create also saves it to your VerifyAll account, so you can list it, read it again, download a PDF for the loan file and delete it when your retention period ends.
How it works
- 1
Record the applicant’s consent (when, how and under which consent-text version), then send POST /credit-report/cibil/create with pan, mobile, name, gender and the consent object.
- 2
The request is validated first: a malformed PAN or mobile, a gender other than male or female, or incomplete consent is refused with 400 and every problem listed, never charged.
- 3
The report is pulled and answered in the same call, usually within about 5 seconds, in VerifyAll’s report schema, and the check is charged from your prepaid wallet.
- 4
The saved report carries a report_id: read it again with GET /credit-report/cibil/list/{id}, download its PDF with POST /pdf-reports/credit-cibil, and remove it with DELETE /credit-report/cibil/delete/{id}.
Request and response
CIBIL credit report API endpoints and fields
The main fields; the full reference with every field, error code and a cURL sample is in the dashboard docs.
| Endpoint | What it does |
|---|---|
| POST/universal/cibil-report | Pull a CIBIL report and return it without saving it |
| POST/credit-report/cibil/create | Pull a CIBIL report and save it to your account |
| GET/credit-report/cibil/list | List saved CIBIL reports, searchable by name, PAN or mobile (Production key) |
| GET/credit-report/cibil/list/{id} | Read one saved report with the request it was pulled with (Production key) |
| DELETE/credit-report/cibil/delete/{id} | Delete a saved report for good (Production key) |
Request fields
| Field | What it is |
|---|---|
| panRequired | The consumer’s PAN, 10 characters. |
| mobileRequired | The consumer’s 10-digit Indian mobile number. |
| nameRequired | Full name as on the PAN, 2 to 120 characters. |
| genderRequired | male or female. |
| consentRequired | obtained: true, a purpose of up to 200 characters, obtained_at (ISO 8601 date and time), method (web_form, paper, voice, sms or other) and text_version (the version of the consent text the person agreed to). |
| client_refOptional | Your own reference, stored with the report (up to 100 characters). The X-Client-Ref header does the same. |
What the answer returns
| Field | What it is |
|---|---|
| score / score_band | The CIBIL score (300 to 900) and its band: excellent, good, fair, poor, very_poor, or no_history when the person cannot be scored. |
| score_name / report_date | The scorecard used and the date the report was generated. |
| subject | The name on the report, the PAN masked (ABCDE****F) and the date of birth where the report gives one. |
| summary | Total, active, closed, overdue and written-off accounts, total sanctioned, balance and overdue in rupees, and the oldest and newest account dates. |
| accounts | Each loan or card: type, lender, ownership, status, sanctioned amount or credit_limit, balance, overdue, EMI and written_off_or_settled. |
| accounts[].dpd_summary | The account’s repayment record counted: months reported, on time, 1–30, 31–60, 61–90 and 90+ days late, and worst_dpd. |
| enquiries_total / enquiries_last_12m / enquiries | How many lenders asked for the report, how many in the last twelve months, and each enquiry with its purpose, amount and date. |
| report_id / pdf_report_type | On the saved report only: VerifyAll’s id of the saved report, and the PDF type (credit-cibil) to download it. |
Base URL https://api.verifyall.ai. Authenticate with the X-API-Key header (a va_sandbox_ or va_live_ key). Every answer carries data, status_code, success, message and message_code; checks add outcome, checkResultId, charged and charged_amount.
Key features
CIBIL Credit Report API features and capabilities
Ready for automated credit rules
Score band, total_overdue, written-off or settled flags and worst_dpd per account come back as typed fields, so an approve, refer or decline rule needs no report parsing.
New-to-credit answers are explicit
When the person has no scoreable history, score is null and score_band is no_history, so a thin file is routed to your new-to-credit policy instead of being read as a low score.
Return-only or saved
Use the return-only endpoint when your system stores the result, or the create endpoint to keep the report, its request and a PDF for audit.
One schema for every bureau
The CIBIL answer uses the same fields as the CRIF, Equifax and Experian reports, so adding a second bureau is a new endpoint, not new parsing code.
Use cases
Where businesses use the CIBIL Credit Report API
Personal loans and credit cards
Check the CIBIL score and current overdue before you set a limit or an interest rate on an unsecured loan or a card.
Buy-now-pay-later at checkout
Run the report inside a short checkout journey and decide on a pay-later limit while the customer waits.
Home loan pre-approval
See the applicant’s existing EMIs, sanctioned amounts and repayment record before a sales officer quotes an eligible amount.
Limit reviews on existing customers
With fresh consent, pull a new report before increasing a card limit or top-up loan, and compare it with the one saved at onboarding.
Industries
Coverage
Consumers in India who have a PAN and a 10-digit Indian mobile number. The report covers the loans, cards, repayment history and enquiries on the person’s CIBIL report.
Limitations to plan for
- Every pull needs the person’s consent with obtained_at, method and text_version. You keep the consent record and the consent text it refers to.
- A person with no credit history is still a completed lookup: a saved report shows status no_record, and the check is charged because the lookup ran.
- Some lender names are masked on the report; lender is null for those accounts.
- Listing, reading and deleting saved reports work with the Production key only. Sandbox answers are sample data and are never charged.
Integration
How to integrate the CIBIL Credit Report API
From a business account to your first live call.
Step 1
Create a business account on VerifyAll and get it approved, as for running checks in the dashboard.
Step 2
Request Developer API access under Developers in the dashboard: the APIs you need, your expected monthly volume and your use case. The VerifyAll team reviews it and shares the API Services Agreement.
Step 3
Once the agreement is signed and access is approved, create your Sandbox key and build against sample data. Sandbox calls are never charged.
Step 4
Create your Production key, recharge your wallet and switch the key in your code: the endpoint and fields stay the same.
Get started
Request access to the CIBIL Credit Report API
Tell us what you want to verify. We reply within one business day with access steps, Sandbox details and your API pricing.
View API documentation
The full reference for CIBIL Credit Report API (endpoints, fields, errors, cURL) opens in the dashboard once your access is approved.
Open the docs (sign-in)Create a business account
API keys are issued to an approved business account. Sign up, then request access under Developers.
Create account
Pricing
Production calls are charged per check from your prepaid VerifyAll wallet, at your account’s API price; GST is added separately when you recharge. Sandbox calls are never charged. Your API prices are shown in the dashboard once access is approved. How pricing works
Already have a business account? Sign in to request access
CIBIL Credit Report API: frequently asked questions
Answers for teams planning an integration.
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Start with the CIBIL Credit Report API
Request access, build against the Sandbox, then go live with your Production key.