Crif Bureau Report
Introduction:
The CRIF Bureau Report API enables patrons to retrieve credit information from CRIF for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name, date of birth, address, pincode, gender. This API is tailored to deliver comprehensive credit reports from CRIF, facilitating the assessment of an individual's creditworthiness.
Key Features
- Credit Information Retrieval: Patrons can access detailed credit reports from CRIF and a pdf report using parameters like PAN (Permanent Account Number), first name, and last name, date of birth, address, pincode, gender
Benefits
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed credit reports from CRIF.
Conclusion
In summary, the CRIF Bureau Report API offers a convenient solution for fetching credit information from CRIF, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api.signzy.app/api/v3/bureau/crif' \
--header 'Content-Type: application/json' \
--header 'Authorization: <kong auth>' \
--data '
{
"phoneNumber": "phone number",
"pan": "pan number",
"firstName": "first name",
"lastName": "last name",
"dateOfBirth": "yyyy-mm-dd",
"pincode": "pin code",
"gender": "Male/Female",
"address": "coimbatore",
"consent": {
"consentFlag": true,
"consentTimestamp": 1690215946415,
"consentIpAddress": "192.168.0.1",
"consentMessageId": "CM_1"
}
}'Consent Message ID Mapping:
ID | Message |
|---|---|
CM_1 | I hereby consent that I am sharing my consent to signzy to collect my bureau report |

Parameter | Type | Mandatory/Optional | Description |
|---|---|---|---|
phoneNumber | Number | Mandatory | The phone number of the individual for whom the Experian report is requested. |
pan | String | Mandatory | The PAN (Permanent Account Number) of the individual. |
firstName | String | Mandatory | The first name of the individual. Maximum : 30 characters |
lastName | String | Mandatory | The last name of the individual. |
dateOfBirth | Number | Mandatory | Date of Birth of the user. Format: yyyy-mm-dd |
gender | string | Mandatory | Male/Female |
address | string | Mandatory | Address of the user |
pincode | Number | Mandatory | Pincode of the user. |
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 or milliseconds. |
consent[consentIpAddress] | String | Mandatory | Ip address of the user's device giving the consent. |
consent[consentMessageId] | String | Mandatory | "CM_1": 'I hereby consent that I am sharing my consent to signzy to collect my bureau report' |
Sample Response:
{
"statusCode": 200,
"message": "success",
"data": {
"crifReport": {
"INDV-REPORT-FILE": {
"INDV-REPORTS": [
{
"INDV-REPORT": {
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": [
{ "VALUE": "XXXXX X", "REPORTED-DATE": "15-12-2024" },
{ "VALUE": "XXXXX S/O XXXXX", "REPORTED-DATE": "13-09-2019" }
],
"ADDRESS-VARIATIONS": [
{ "VALUE": "XXX XXXXX STREET XXXXX COIMBATORE 6410XX TN", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "NO XXX XXXXX STREET XXXXX COIMBATORE 6410XX TN", "REPORTED-DATE": "31-03-2024" }
],
"PAN-VARIATIONS": [
{ "VALUE": "XXXXX0000X", "REPORTED-DATE": "31-05-2026" }
],
"DRIVING-LICENSE-VARIATIONS": [],
"DATE-OF-BIRTH-VARIATIONS": [
{ "VALUE": "XX-XX-19XX", "REPORTED-DATE": "31-03-2020" },
{ "VALUE": "XX-XX-19XX", "REPORTED-DATE": "31-05-2026" }
],
"VOTER-ID-VARIATIONS": [
{ "VALUE": "XXXXXXXXXXXX", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-05-2026" }
],
"PASSPORT-VARIATIONS": [],
"PHONE-NUMBER-VARIATIONS": [
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-12-2020" },
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-05-2026" }
],
"RATION-CARD-VARIATIONS": [],
"EMAIL-VARIATIONS": [
{ "VALUE": "[email protected]", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "[email protected]", "REPORTED-DATE": "15-01-2025" }
],
"NREGA-VARIATIONS": [],
"CKYC-VARIATIONS": [
{ "VALUE": "XXXXXXXXXXXXXX", "REPORTED-DATE": "31-03-2026" }
]
},
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQUIRIES-IN-LAST-SIX-MONTHS": 0,
"LENGTH-OF-CREDIT-HISTORY-YEAR": 9,
"LENGTH-OF-CREDIT-HISTORY-MONTH": 2,
"AVERAGE-ACCOUNT-AGE-YEAR": 1,
"AVERAGE-ACCOUNT-AGE-MONTH": 10,
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": 0,
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": 0,
"TOTAL-WRITTEN-OFF-ACCOUNTS": 0,
"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-SETTLED-ACCOUNTS": 3,
"TOTAL-WRITTEN-OFF-AMOUNT": "2,510",
"TOTAL-SETTLED-AMOUNT": "52,000"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": 36,
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": 4,
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": 0,
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": 14,
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": 22,
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": 0,
"PRIMARY-CURRENT-BALANCE": "4,06,942",
"PRIMARY-SANCTIONED-AMOUNT": "4,19,000",
"PRIMARY-DISBURSED-AMOUNT": "4,19,000"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"SECONDARY-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-CURRENT-BALANCE": "0",
"SECONDARY-SANCTIONED-AMOUNT": "0",
"SECONDARY-DISBURSED-AMOUNT": "0"
}
},
"ALERTS": [
{ "ALERT-DESC": "NO" }
],
"SCORES": [
{
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "690",
"SCORE-FACTORS": "SF02|SF08|SF11|SF33|"
}
],
"INQUIRY-HISTORY": [],
"RESPONSES": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "XXXX",
"CREDIT-GUARANTOR": "NAB",
"ACCT-TYPE": "Credit Card",
"DATE-REPORTED": "25-07-2024",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Active",
"DISBURSED-AMT": "8,000",
"DISBURSED-DATE": "22-03-2017",
"LAST-PAYMENT-DATE": "08-07-2024",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "15,269",
"CREDIT-LIMIT": "15,000",
"SECURITY-STATUS": "Un-secured",
"ORIGINAL-TERM": "1",
"ACCT-IN-DISPUTE": "",
"AMT-PAID-HISTORY": "Jul:2024,2,000|Jun:2024,|May:2024,|Apr:2024,|Mar:2024,1,098|...",
"COMBINED-PAYMENT-HISTORY": "Jul:2024,000/STD|Jun:2024,030/STD|May:2024,XXX/XXX|...",
"MATCHED-TYPE": "PRIMARY",
"CASH-LIMIT": "4,500",
"ACTUAL-PAYMENT": "2,000",
"PRINCIPAL-WRITE-OFF-AMT": "0",
"SECURITY-DETAILS": [],
"LINKED-ACCOUNTS": [],
"INTEREST-RATE": "2.5",
"OCCUPATION": "",
"INCOME-FREQUENCY": "Annual",
"INCOME-AMOUNT": "16,255"
}
}
],
"INDV-RESPONSES": {
"PRIMARY-SUMMARY": {
"NO-OF-DEFAULT-ACCOUNTS": 0,
"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0
},
"SECONDARY-SUMMARY": {
"NO-OF-DEFAULT-ACCOUNTS": 0,
"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0
},
"INDIVIDUAL-SUMMARY": {
"STATUS": "SUCCESS",
"TOTAL-RESPONSES": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-DEFAULT-ACCOUNTS": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0,
"OWN-MFI-INDECATOR": false
},
"DERIVED-ATTRIBUTES": {
"TOTAL-WRITTEN-OFF-ACCOUNTS": 0,
"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-WRITTEN-OFF-AMOUNT": "0"
},
"INDV-RESPONSE-LIST": {}
},
"ADDITIONAL-VARIABLES": {}
}
}
]
}
},
"crifPDF": "https://files.signzy.tech/api/files/{fileId}/download/{fileHash}.pdf"
}
}Status Codes:
CODE | MESSAGE |
|---|---|
200 | Request successful |
400 | Validation Error |
409 | Upstream is down |
500 | Server Side Error |
401 | Unauthorised Access |
429 | Too many Requests |
499 | Gateway Timeout |