Cibil Score API
Our Cibil Score API provides a secure interface for checking credit scores and retrieving credit reports. This API enables verification of creditworthiness, credit history analysis, and monitoring of credit scores, with full compliance to RBI guidelines and data protection regulations.
Request a DemoKey Features
Credit score retrieval
Credit report access
Credit history analysis
Loan account details
Credit card information
Inquiry history tracking
Score improvement suggestions
Comprehensive error handling
Key Benefits
Regulatory Compliance
Fully compliant with RBI guidelines and data protection regulations.
Comprehensive Reports
Detailed credit information with analysis and insights.
Data Security
End-to-end encryption and secure handling of sensitive financial data.
Easy Integration
Well-documented API with comprehensive support for implementation.
Technical Details
API Specification
RESTful API with JSON response format. HTTPS encryption required for all requests.
Authentication
API key and secret-based authentication with mandatory IP whitelisting.
Data Handling
Compliant with data protection regulations for handling sensitive financial information.
Response Times
Average response time under 5 seconds, with 99th percentile under 10 seconds.
API Endpoints
| Method | Endpoint | Description |
|---|---|---|
| POST | /api/v1/cibil/score | Retrieve credit score |
| POST | /api/v1/cibil/report | Get detailed credit report |
| POST | /api/v1/cibil/analysis | Get credit history analysis |
| POST | /api/v1/cibil/improvement | Get score improvement suggestions |
| GET | /api/v1/cibil/transaction/{transaction_id} | Retrieve transaction details |
Use Cases
Loan Application Processing
Verify creditworthiness during loan application evaluation.
Credit Card Issuance
Assess credit risk for credit card application approval.
Financial Advisory
Provide credit analysis and improvement recommendations to clients.
Personal Finance Management
Enable users to monitor and improve their credit scores.
Integrations
Related Products
Pricing Model
Transaction-based pricing with volume discounts. Setup and integration fees may apply.
Ready to Get Started?
Contact us today to discuss your requirements and how our Cibil Score API can help you achieve your business goals.