Credit Analytics CI

Introduction:

The Credit Analytics CI Bureau Report API enables patrons to retrieve analytics on 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 analytics reports on CIBIL report, 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 analytics from a 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 analytics on credit reports from CIBIL.

Conclusion:

In summary, the CIBIL Bureau Report API offers a convenient solution for analysing credit information from CIBIL reports, 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

Score Details

Credit scores are in the 300-900 range only. This is based on last 36 months credit history of the user.

Presence of atleast on trade on the bureau in the last 36 months.

Higher the score, lower the risk.

NTC is -1 to 11. where the user is New to Credit.

The individual has no trade & is not reported on the bureau.

The individual has no trades & has only been enquired upon.

The individual has trades on the bureau, but all have been reported 36 months prior to the report pulling date.

The individual has only Add-On Card trades and/or only Guarantor trades.

Imputed NTC scores are in the 100-200 range. These imputed scores are based on demographic details available with the Bureau. This is new release to enahnce NTC users. they provide an imputed score in the range of 100-200.

The score effectively predicts the risk of a New to credit borrower whether a borrower is likely to default (90+ DPD) on tradeline in the next 12 months.

The score has a range of 100 - 200, with higher score indicating better (lower) credit risk.

Status Codes:

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