CIBIL Bureau

Introduction:

The CIBIL Bureau Report API enables patrons to retrieve credit information from CIBIL (Credit Information Bureau India Limited) for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), date of birth, first name, last name, and address details. This API is tailored to deliver comprehensive credit reports from CIBIL, facilitating the assessment of an individual's creditworthiness and credit history across loans, credit cards, and other financial instruments.

Key Features:

Credit Information Retrieval: Patrons can access detailed credit reports from CIBIL using parameters like phone number, PAN, date of birth, first name, last name, and address details.

Benefits:

Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed credit reports from CIBIL.

Conclusion:

In summary, the CIBIL Bureau Report API offers a convenient solution for fetching credit information from CIBIL, aiding in the assessment of individuals' creditworthiness.

Sample cURL:

curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/cibil-consumer-report' \
--header 'Authorization: <auth-token>' \
--header 'Content-Type: application/json' \
--data '{
    "firstName": "RAHUL KUMAR",
    "lastName": "SHARMA",
    "gender": "Male",
    "phoneNumber": "9876543210",
    "panNumber": "ABCPS1234Q",
    "dateOfBirth": "1990-05-15",
    "pincode": "400001",
    "address": "42, Linking Road, Bandra West, Mumbai, Maharashtra",
    "consent": {
        "consentFlag": true,
        "consentTimestamp": 1627849200,
        "consentIpAddress": "192.168.1.10"
    }
}'

Input Parameters:

Parameter	Type	Mandatory / Optional	Description
phoneNumber	String	Mandatory	The phone number of the individual for whom the CIBIL report is requested.
panNumber	String	Mandatory	The PAN (Permanent Account Number) of the individual.
firstName	String	Mandatory	The first name of the individual
lastName	String	Mandatory	The last name of the individual
gender	String	Mandatory	The gender of the individual (eg. Male, Female, Transgender)
dateOfBirth	String	Mandatory	Date of Birth of the user yyyy-mm-dd
address	String	Mandatory	Address of the user
pincode	String	Mandatory	pincode of the user
consent	Object	Mandatory	Consent provided by user
consent[consentFlag]	Boolean	Mandatory	A boolean flag representing if consent is present or not.
consent[consentTimestamp]	Number	Mandatory	Timestamp of consent provided by user in seconds or milliseconds.
consent[consentIpAddress]	String	Mandatory	Ip address of the user's device giving the consent.

Sample Response:

{
  "statusCode": 200,
  "message": "SUCCESS",
  "data": {
    "CIBILReport": {
      "controlData": {
        "success": true
      },
      "consumerCreditData": [
        {
          "tuefHeader": {
            "headerType": "TUEF",
            "version": "12",
            "subjectReturnCode": 1,
            "reportNumber": "0021562XXXXX",
            "dateProcessed": "05052020",
            "timeProcessed": "101041"
          },
          "names": [
            {
              "index": "N01",
              "name": "KATHIR ESAN MARIAM ",
              "birthDate": "04071989",
              "gender": "2",
              "errorDate": "10112002",
              "errorSegment": "PN",
              "errorCode": "001",
              "cibilRemarksDate": "10112022",
              "cibilRemarks": "PN1007",
              "errorRemarksDate": "10112022"
            }
          ],
          "ids": [
            {
              "index": "I01",
              "idType": "01",
              "idNumber": "PHAPAXXXXX",
              "issueDate": "01012018",
              "expiryDate": "31122037",
              "enquiryEnriched": ""
            },
            {
              "index": "I02",
              "idType": "02",
              "idNumber": "P-98XXXXX",
              "issueDate": "11022016",
              "expiryDate": "10022036",
              "enquiryEnriched": ""
            }
          ],
          "telephones": [
            {
              "index": "T01",
              "telephoneNumber": "98934XXXXX",
              "telephoneType": "01",
              "telephoneExtension": "",
              "enquiryEnriched": ""
            }
          ],
          "emails": [
            {
              "index": "C01",
              "emailID": "[email protected]"
            }
          ],
          "employment": [
            {
              "index": "E01",
              "accountType": "01",
              "dateReported": "09072019",
              "occupationCode": "01",
              "income": 25000,
              "incomeType": "G",
              "incomeFrequency": "M",
              "errorDate": "04092022",
              "errorCode": "004",
              "cibilRemarksDate": "04092022",
              "cibilRemarks": "EM1004",
              "errorRemarksDate": "04092022",
              "errorRemarks1": "000001"
            }
          ],
          "scores": [
            {
              "scoreName": "CIBILTUSC4",
              "scoreCardName": "28",
              "scoreCardVersion": "10",
              "scoreDate": "07052020",
              "score": "00790",
              "exclusionCodes": [
                {
                  "exclusionCodeName": "exclusionCode1",
                  "exclusionCodeValue": "01"
                },
                {
                  "exclusionCodeName": "exclusionCode3",
                  "exclusionCodeValue": "01"
                }
              ],
              "reasonCodes": [
                {
                  "reasonCodeName": "reasonCode1",
                  "reasonCodeValue": "03"
                },
                {
                  "reasonCodeName": "reasonCode3",
                  "reasonCodeValue": "27"
                }
              ]
            }
          ],
          "bureauCharacteristics": [
            {
              "featureName": "ALGO1",
              "value": "100"
            },
            {
              "featureName": "ALGO3",
              "value": "200"
            }
          ],
          "addresses": [
            {
              "index": "A01",
              "line1": "NO 843",
              "line2": "KONGU VIBROSTREET TNAGAR",
              "line3": "",
              "line4": "",
              "line5": "",
              "stateCode": "33",
              "pinCode": "600054",
              "addressCategory": "01",
              "residenceCode": "01",
              "dateReported": "18032019",
              "enquiryEnriched": ""
            },
            {
              "index": "A02",
              "line1": "7-43/19/8, PLOT NO 54/A REVALLAPALEM",
              "line2": "COLONY,MADHURAWADA BHASKAR NAGAR0333",
              "line3": "LAYOOUT NEAR SAI BHARATHI NILAYAM",
              "line4": "",
              "line5": "",
              "stateCode": "28",
              "pinCode": "530048",
              "addressCategory": "02",
              "residenceCode": "01",
              "dateReported": "28012017"
            }
          ],
          "accounts": [
            {
              "index": "T001",
              "memberShortName": "NOT DISCLOSED",
              "accountNumber": "XXXX4321",
              "accountType": "05",
              "ownershipIndicator": 1,
              "dateOpened": "31122018",
              "lastPaymentDate": "04032019",
              "dateClosed": "01011900",
              "dateReported": "31032019",
              "highCreditAmount": 34000,
              "currentBalance": 33372,
              "amountOverdue": 0,
              "paymentHistory": "000XXX000000",
              "paymentStartDate": "01032019",
              "paymentEndDate": "01122022",
              "suitFiled": "00",
              "creditFacilityStatus": "00",
              "collateralValue": 123456,
              "collateralType": "01",
              "creditLimit": 23434,
              "cashLimit": 200,
              "interestRate": 24.13,
              "paymentTenure": 48,
              "emiAmount": 1392,
              "woAmountTotal": 2343,
              "woAmountPrincipal": 78787,
              "settlementAmount": 67676,
              "paymentFrequency": "03",
              "actualPaymentAmount": 1392,
              "errorDate": "12122022",
              "errorCode": "009",
              "cibilRemarksDate": "12122022",
              "cibilRemarksCode": "TL1008",
              "errorRemarksDate": "12122022",
              "errorRemarksCode1": "000001"
            }
          ],
          "enquiries": [
            {
              "index": "I001",
              "enquiryDate": "24032020",
              "memberShortName": "ENQUIRY MEMBER",
              "enquiryPurpose": "62",
              "enquiryAmount": 85000
            },
            {
              "index": "I002",
              "enquiryDate": "23012020",
              "memberShortName": "NOT DISCLOSED",
              "enquiryPurpose": "10",
              "enquiryAmount": 101000
            }
          ],
          "consumerDisputeRemarks": [
            {
              "index": "D01",
              "entryDate": "12122002",
              "disputeRemarks": [
                {
                  "disputeRemarksKey": "disputeRemarks1",
                  "disputeRemarksValue": "TELEPHONE EXTENSION IN DISPUTE"
                },
                {
                  "disputeRemarksKey": "disputeRemarks2",
                  "disputeRemarksValue": "STD DISPUTE"
                },
                {
                  "disputeRemarksKey": "disputeRemarks3",
                  "disputeRemarksValue": "NA"
                },
                {
                  "disputeRemarksKey": "disputeRemarks4",
                  "disputeRemarksValue": "NA"
                },
                {
                  "disputeRemarksKey": "disputeRemarks5",
                  "disputeRemarksValue": "NA"
                },
                {
                  "disputeRemarksKey": "disputeRemarks6",
                  "disputeRemarksValue": "NA"
                }
              ]
            }
          ]
        }
      ],
      "consumerSummaryData": {
        "accountSummary": {
          "totalAccounts": 43,
          "overdueAccounts": 0,
          "zeroBalanceAccounts": 31,
          "highCreditAmount": 50342075,
          "currentBalance": 21006342,
          "overdueBalance": 0,
          "recentDateOpened": "30092021",
          "oldestDateOpened": "29082005"
        },
        "inquirySummary": {
          "totalInquiry": 156,
          "inquiryPast30Days": 3,
          "inquiryPast12Months": 22,
          "inquiryPast24Months": 13,
          "recentInquiryDate": "29032022"
        }
      }
    },
    "CIBILPDF": "https://preproduction-persist.signzy.tech/api/files/46292430/download/79643a927f0b44d0a3be064745a629b91d61c944bf854394a4e6ae5f42ee47cd.pdf"
  }
}

Payment History and Payment History Array

Number of DPDs/ account Classification	MESSAGE
STD	Standard
SMA	Special Mention Account
000	0 days DPD
SUB	Substandard
DBT	Doubtful
LSS	Loss
XXX	Not Reported.

The most recent 36 months of Payment History is represented in 3 character strings for each month. Each month displays the Number of Days Past Due

Status Codes:

CODE	MESSAGE
200	Request Successful
400	Validation Error
409	Upstream is Down
401	Unauthorized Access