Fetch credit reports from CRIF, TransUnion CIBIL, Experian & Equifax in under 3 seconds. Direct bureau integration with no customer OTP verification needed.
Access credit data from every licensed bureau in India through our unified API.
Microfinance & MSME focused with extensive rural coverage
India's oldest bureau with comprehensive consumer data
Global credit reporting with advanced analytics
International bureau with deep credit insights
Built for businesses that need reliable, fast credit data access.
Fetch credit reports instantly without customer OTP verification. Direct bureau integration.
Single integration for all RBI-registered Credit Information Companies.
Wallet-based billing. Only pay when you fetch. No monthly minimums.
Enable your partners to pull reports with custom margin settings.
Failed PANs blocked for 4 hours to prevent duplicate charges.
Built-in system to track and manage credit report disputes.
Integrate credit bureau access into your application in minutes. Well-documented API with sandbox environment for testing.
POST /api/v1/cibil/fetch Content-Type: application/json X-API-Key: your_api_key X-Signature: hmac_signature { "pan": "ABCDE1234F", "name": "John Doe", "dob": "1990-01-15", "bureau": "transunion", "consent": true, "consent_timestamp": "2024-01-15T10:30:00Z" }
Credit data powers critical business decisions across industries.
Pre-approve loans based on credit history
Screen rental applicants
Assess business creditworthiness
Risk-based premium calculation
Background checks for sensitive roles
Enrich customer profiles
Credit scores in India range from 300 to 900. A higher score indicates better creditworthiness and increases chances of loan approval with favorable terms.
Allow your B2B partners to access credit reports through your platform. Set custom margins per bureau and earn on every report pulled.
Per credit report pulled
We are Data Fetchers Only: acts solely as a technology intermediary that fetches credit reports from RBI-registered Credit Information Companies on your behalf. We do not generate, modify, or store credit scores.
Mandatory Customer Consent: You MUST obtain explicit, documented consent from every individual before fetching their credit report. This consent must be stored and producible on demand as per RBI and CIC guidelines.
Credit Enquiry Impact: Each credit report fetch creates an enquiry on the customer's credit file. Multiple enquiries in a short period may negatively impact their credit score. Use discretion and fetch only when necessary.
Non-Refundable Charges: Bureau charges apply per API call regardless of outcome. Charges are non-refundable for incorrect PAN, name mismatch, no credit history, or any API failure.
Amount deducted from wallet BEFORE API call. Bureaus charge per hit, not per success.
Failed PANs auto-blocked for 4 hours to protect you from repeated charges.
Non-refundable for wrong PAN, name mismatch, NTC, timeouts, or any API failure.
Start fetching credit reports from all 4 bureaus today. No OTP required, instant API integration.
No credit card required • Sandbox environment included • 24/7 support
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