CIBIL Bureau - Soft Pull Integration

Sample cURL:

curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/CIBILbureau' \
--header 'Content-Type: application/json' \
--header 'Authorization: <auth-token>' \
--data '{
  "phoneNumber": "**********",
  "pan": "**********",
  "voterId": "**********",
  "rationCard": "**********",
  "driverLicense": "**********",
  "firstName": "**********",
  "lastName": "**********",
  "dateOfBirth": "**********",
  "gender": "MALE",
  "address": "ABCD",
  "pincode": "411001",
  "consent": {
    "consentFlag": true,
    "consentTimestamp": 1690215946,
    "consentIpAddress": "***.***.0.1"
  }
}'

Request Headers:

Key	Value
Authorization	shared by Signzy
Content-Type	application/json

Request Body:

{
    "phoneNumber": "**********",
    "pan": "**********",
    "voterId": "**********",
    "rationCard": "**********",
    "driverLicense": "**********",
    "firstName": "**********",
    "lastName": "**********",
    "dateOfBirth": "**********",
    "gender": "MALE",
    "address": "ABCD",
    "pincode": "411001",
    "consent": {
        "consentFlag": true,
        "consentTimestamp": 1690215946,
        "consentIpAddress": "***.***.0.1"
    }
}

Input Parameters:

One Id is mandatory. User can provide only one of the pan, voterId,rationCard or driverLicense number

Parameter	Type	Mandatory/Optional	Description
phoneNumber	String	Mandatory	The phone number of the individual
pan	String	Conditional Mandatory	Pan number of the user
voterId	String	Conditional Mandatory	voter Id number of user
rationCard	String	Conditional Mandatory	ration card number of user
driverLicense	String	Conditional Mandatory	driverLicense Number
firstName	String	Mandatory	First Name of the consumer
lastName	String	Mandatory	Last Name of the consumer
dateOfBirth	String	Mandatory	date of birth format ddmmyyy
gender	String	Mandatory	gender of the user "MALE", "FEMALE"
address	String	Mandatory	Address
pincode	String	Mandatory	Pincode
consent	Object	Mandatory	Consent object by the user.
consent[consentFlag]	Boolean	Mandatory	A boolean flag representing if consent is present or not.
consent[consentTimestamp]	Number	Mandatory	Timestamp of the consent. (In seconds consisting of 10 digits)
consent[consentIpAddress]	String	Mandatory	Ip address of the user's device giving the consent.

Response Body:

{
    "statuscode": 200,
    "message": "SUCCESS",
    "data": {
        "cibilReport": [
            {
                "names": [
                    {
                        "index": "N01",
                        "name": "DUMMY NAME",
                        "birthDate": "10102010",
                        "gender": "2"
                    }
                ],
                "ids": [
                    {
                        "index": "I01",
                        "idType": "01",
                        "idNumber": "XXXXX1010X"
                    },
                    {
                        "index": "I02",
                        "idType": "04",
                        "idNumber": "12345678909876"
                    },
                    {
                        "index": "I03",
                        "idType": "06",
                        "idNumber": "XXXXXXXXXXXX"
                    },
                    {
                        "index": "I04",
                        "idType": "09",
                        "idNumber": "12345678564323"
                    }
                ],
                "telephones": [
                    {
                        "index": "T01",
                        "telephoneNumber": "1234567890",
                        "telephoneType": "03"
                    },
                    {
                        "index": "T02",
                        "telephoneNumber": "1234567890",
                        "telephoneType": "01"
                    },
                    {
                        "index": "T03",
                        "telephoneNumber": " 912345678909",
                        "telephoneType": "00"
                    }
                ],
                "emails": [
                    {
                        "index": "C01",
                        "emailID": "[email protected]"
                    }
                ],
                "employment": [
                    {
                        "index": "E01",
                        "accountType": "08",
                        "dateReported": "08032024",
                        "occupationCode": "04"
                    }
                ],
                "scores": [
                    {
                        "scoreName": "CIBILTUSC3",
                        "scoreCardName": "08",
                        "scoreCardVersion": "10",
                        "scoreDate": "01012010",
                        "score": "00663",
                        "reasonCodes": [
                            {
                                "reasonCodeName": "reasonCode1",
                                "reasonCodeValue": "07"
                            },
                            {
                                "reasonCodeName": "reasonCode2",
                                "reasonCodeValue": "03"
                            },
                            {
                                "reasonCodeName": "reasonCode3",
                                "reasonCodeValue": "04"
                            },
                            {
                                "reasonCodeName": "reasonCode4",
                                "reasonCodeValue": "01"
                            }
                        ]
                    }
                ],
                "addresses": [
                    {
                        "index": "A01",
                        "line1": "DELHI",
                        "stateCode": "07",
                        "pinCode": "110011",
                        "addressCategory": "02",
                        "dateReported": "10101011",
                        "enquiryEnriched": "Y"
                    },
                    {
                        "index": "A02",
                        "line1": "SO DUMMY NAME VILL XXXXXXX",
                        "line3": "POST XXXXXXX XXXXXXX XXXXXXX",
                        "line5": "XXXXXXX-XXXXXXX",
                        "stateCode": "10",
                        "pinCode": "111111",
                        "addressCategory": "02",
                        "residenceCode": "01",
                        "dateReported": "111111"
                    }
                ],
                "accounts": [
                    {
                        "index": "T001",
                        "memberShortName": "NOT DISCLOSED",
                        "accountType": "08",
                        "ownershipIndicator": 1,
                        "dateOpened": "11111111",
                        "lastPaymentDate": "11111111",
                        "dateReported": "11111111",
                        "highCreditAmount": 11111111,
                        "currentBalance": 79926,
                        "paymentHistory": "DSFSDFSDFSDFNSDKFHSJKDBNFJSHIDUFBSDIBFIUSDBFUIBCSDBCSUIHZDFIOESBF",
                        "paymentStartDate": "11111111",
                        "paymentEndDate": "01042021",
                        "creditFacilityStatus": "00",
                        "collateralType": "00",
                        "interestRate": 13.5,
                        "paymentTenure": 147,
                        "emiAmount": 3182,
                        "paymentFrequency": "03",
                        "actualPaymentAmount": 73557
                    }
                ],
                "enquiries": [
                    {
                        "index": "I001",
                        "enquiryDate": "11111111",
                        "memberShortName": "FINTELLIGENCE",
                        "enquiryPurpose": "05",
                        "enquiryAmount": 49500
                    }
                ]
            }
        ],
        "statuscode": true
    }
}

Status Codes:

CODE	MESSAGE
200	Request successful
400	Validation Error
404	Resource not found
409	Upstream is down
500	Server Side Error