Introduction

The CIBIL Credit Report API enables secure, real-time access to individual credit reports and scores directly from TransUnion CIBIL, India’s leading credit bureau. It is designed to help financial institutions, NBFCs, fintechs, and lenders make faster, more accurate credit decisions through automated access to a customer’s credit profile.

The report includes key data such as credit score, loan accounts, repayment history, credit utilization, and recent inquiries — all retrieved with proper user consent. With seamless API integration, the CIBIL Credit Report API simplifies risk assessment, strengthens fraud detection, and speeds up loan processing.

Whether you're onboarding customers, underwriting loans, or conducting financial health checks, this API ensures efficient, compliant, and data-driven decision-making.

Benefits of CIBIL Credit report API

Instant Credit Insights

Access real-time CIBIL credit reports and scores to speed up decision-making.

Trusted Source

Leverage accurate, up-to-date data from TransUnion CIBIL, India’s most widely used credit bureau.

Automated Credit Checks

Streamline onboarding and loan processing by automating the retrieval of credit reports.

Comprehensive Credit Profile

Get detailed information on loans, repayment history, credit utilization, and inquiry activity.

What Is CIBIL Credit report API , and Why Use It?

The CIBIL Credit Report API is a secure, consent-driven service that provides real-time access to an individual’s credit report and credit score from TransUnion CIBIL, India’s most trusted credit bureau. It enables lenders, NBFCs, and fintechs to retrieve critical credit information—such as repayment history, open loan accounts, credit score, and inquiry details—for smarter, faster financial decisions.

Key features of CIBIL Credit report API

Real-Time Credit Report Access

Fetches up-to-date credit reports and scores instantly from TransUnion CIBIL.

Consent-Based Data Retrieval

Ensures secure, user-authorized access to personal credit information, complying with regulations.

Comprehensive Credit Data

Includes CIBIL score, repayment history, open/closed loans, credit utilization, and inquiry records.

PAN-Based Report Fetching

Uses the customer’s PAN for accurate and reliable report retrieval.

Frequently asked questions?

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What is the CIBIL Credit Report API?

The CIBIL Credit Report API provides real-time access to an individual’s credit report and score from TransUnion CIBIL, using a secure and consent-based process.

What information does the credit report include?

It includes the credit score, repayment history, open and closed loans, credit utilization, outstanding balances, and recent inquiry records.

Is user consent required to fetch the report?

Yes, user consent is mandatory and must be explicitly obtained before retrieving any credit data, as per RBI and privacy regulations.

How quickly is the report generated?

Reports are typically returned in real time—usually within a few seconds after a valid request and user consent.

Can I use this API for bulk credit checks?

Yes, the API supports bulk or batch processing for large-scale credit evaluations.

Is the API secure?

Absolutely. All data transmission is encrypted, and the API complies with data protection and regulatory standards.

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