CRIF Credit Report API
Add a CRIF High Mark report to your credit journey with four fields and get the score, accounts and repayment record back in seconds.
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 CRIF Credit Report API does
The CRIF Credit Report API pulls a consumer’s CRIF High Mark credit report from four details your form already holds: PAN, mobile number, first name and last name. The answer is JSON in VerifyAll’s report schema: the score and its band, a summary of the person’s accounts, every account with its counted repayment record, and the enquiries on the report.
Lenders often pull CRIF High Mark beside another report, or as the main report for small-ticket and first-time borrowers. A second view helps on borderline files: an account, an overdue or a recent enquiry that one report shows is worth seeing before money goes out. Because the fields match the other credit report APIs, two reports can be compared field by field.
The request takes the name split into first_name and last_name, which suits onboarding forms that already capture names that way. Pull the report once with POST /universal/crif-report, or save it to your VerifyAll account with POST /credit-report/crif/create and read, download or delete it later.
How it works
- 1
Capture the borrower’s consent with its time, method and consent-text version, then send POST /credit-report/crif/create (or /universal/crif-report) with pan, mobile, first_name, last_name and the consent object.
- 2
Input is checked first. A malformed PAN or mobile, a name with digits, or incomplete consent is refused with 400 before anything runs or is charged.
- 3
The CRIF High Mark report comes back in the same call, usually within about 5 seconds, and is charged from your prepaid wallet.
- 4
A saved report gets a report_id. Read it with GET /credit-report/crif/list/{id}, download the PDF with POST /pdf-reports/credit-crif, and delete it with DELETE /credit-report/crif/delete/{id}.
Request and response
CRIF 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/crif-report | Pull a CRIF High Mark report and return it, not saved |
| POST/credit-report/crif/create | Pull a CRIF High Mark report and save it |
| GET/credit-report/crif/list | Saved CRIF reports, newest first, with search (Production key) |
| GET/credit-report/crif/list/{id} | One saved CRIF report (Production key) |
| DELETE/credit-report/crif/delete/{id} | Delete a saved CRIF report (Production key) |
Request fields
| Field | What it is |
|---|---|
| panRequired | The borrower’s PAN. |
| mobileRequired | The borrower’s 10-digit mobile number. |
| first_nameRequired | First name, with any middle name. |
| last_nameRequired | Last name. |
| consentRequired | Extended consent: obtained: true, purpose, obtained_at (ISO 8601), method (web_form, paper, voice, sms or other) and text_version. |
| client_refOptional | Your reference for the request, such as a loan application number. |
What the answer returns
| Field | What it is |
|---|---|
| bureau | crif for this report. |
| score / score_band / score_name | The score on the 300 to 900 scale, the band in words (excellent to very_poor, or no_history) and the scorecard used. |
| subject | Name on the report, masked PAN and date of birth where given. |
| summary | Counts of total, active, closed, overdue and written-off accounts, and rupee totals for sanctioned, balance and overdue. |
| accounts | Each account with its type, lender category, ownership (individual, joint, guarantor), status, balance, overdue, EMI and secured flag. |
| accounts[].dpd_summary | Months reported, months on time and months in each lateness bucket up to 90+ days, with worst_dpd. |
| enquiries / enquiries_last_12m | Each enquiry with purpose, amount and date, and the count in the last twelve months. |
| report_id | Saved reports only: the id to read, download or delete the report. |
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
CRIF Credit Report API features and capabilities
Split-name input
first_name and last_name map directly from forms that already store names in two fields, with no joining or guessing of name order.
A second report, same fields
Compare CRIF High Mark with another credit report field by field, because both answer in the same schema.
Guarantor and joint exposure visible
ownership on every account shows where the borrower is a guarantor or joint holder, which matters when you assess total obligations.
Safe retries
Send an Idempotency-Key and a retried request returns the first answer instead of pulling and charging the report again.
Use cases
Where businesses use the CRIF Credit Report API
Microfinance and small-ticket loans
Check existing loans, overdues and recent enquiries of first-time and small-ticket borrowers before disbursal.
Second opinion on borderline files
Pull CRIF High Mark when the first report leaves a decision open, and decide on the combined picture.
Two-wheeler and consumer durable finance
Decide at the dealer counter in seconds, using the score band and the number of open accounts.
Gold loan top-ups
Look at the borrower’s other obligations and repayment record before offering a top-up on a gold loan.
Industries
- BFSI & Fintech
- Jewellery & Gold Loans
- E-commerce, Logistics & Gig
Coverage
Consumers in India with a PAN and a 10-digit Indian mobile number. The answer covers the accounts, repayment record and enquiries on the person’s CRIF High Mark report.
Limitations to plan for
- The extended consent fields are required on every request; a report cannot be pulled with consent recorded as a plain yes.
- A person with no report on file is a completed lookup and is charged; a report that cannot be pulled at all is not charged.
- Lender names can be masked on some accounts, in which case lender is null.
- The saved-report list, read and delete endpoints accept the Production key only.
Integration
How to integrate the CRIF 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 CRIF 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 CRIF 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
CRIF Credit Report API: frequently asked questions
Answers for teams planning an integration.
Still have questions? Our team is happy to help.
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Start with the CRIF Credit Report API
Request access, build against the Sandbox, then go live with your Production key.