--- title: Credit Analytics CI slug: api-marketplace/3dcM-credit-analytics-ci createdAt: 2026-04-09T10:52:20.433Z --- # 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: :::CodeblockTabs Preproduction ```curl curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/cibil-consumer-report' \ --header 'Authorization: ' \ --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" } }' ``` Production ```curl curl --location 'https://api.signzy.app/api/v3/bureau/cibil-consumer-report' \ --header 'Authorization: ' \ --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: :::CodeblockTabs Sample Response ```json { "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": "test@XXXXX.com" } ], "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 |