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CIBIL Credit Report

Business
POST /api/v1/credit-report-cibil/fetch-report Bearer

CIBIL Credit Report API — Pull a full TransUnion CIBIL consumer credit report and CIBIL score for an individual from their PAN, mobile number, name and gender, with the individual's explicit consent. Returns the CIBIL score with its reason codes, the subject as the bureau holds them (names and date of birth, PAN and other IDs, phone numbers, e-mail addresses, addresses and employment), an account summary (total, overdue and zero-balance accounts, sanctioned amount, current and overdue balance), every loan and credit card trade line with its lender, limits, balance, overdue amount, EMI, interest rate, write-off and settlement status and month-by-month repayment history (DPD), and the enquiry history with an enquiry summary. Dates are returned as ISO YYYY-MM-DD, amounts as numbers (null where the bureau reported nothing), and every classification — account type, ownership, credit facility status, suit filed status, payment frequency, collateral, enquiry purpose, asset classification — as a stable published value such as credit_card or written_off rather than a raw bureau code, so both the shape and the values of this response are guaranteed not to move. Built for loan underwriting, credit card and BNPL approvals, credit risk assessment, portfolio monitoring and fintech onboarding. Need the bureau's formatted document instead? Use the CIBIL Credit Report PDF API.

Availability

🗺 Country-specific

India

What CIBIL Credit Report Is Used For

Loan underwriting

Decide personal, home, auto and business loan applications on the CIBIL score, repayment history and existing obligations.

Credit card and BNPL approvals

Set limits from current balances, credit utilisation and recent enquiries before issuing a card or a pay-later line.

Debt-to-income checks

Sum live EMIs and outstanding balances across every lender to measure an applicant's existing debt burden.

Portfolio monitoring

Re-check existing borrowers for new delinquencies, write-offs, settlements or a burst of fresh credit enquiries.

Quick Start

1. Copy your API key from Dashboard → API Keys
2. Send a POST request to /api/v1/credit-report-cibil/fetch-report
3. Pass the key as Authorization: Bearer <key>
4. Read the result from the data object in the JSON response

cURL

curl -X POST https://app.way2api.com/api/v1/credit-report-cibil/fetch-report \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}'
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More on this API

Request Endpoint, authentication headers, every request parameter with its type, and a sample request body. Response The full success response payload, field by field. Error Codes HTTP status codes, error payload shape, and how to handle failures. Code Examples Ready-to-run examples in cURL, PHP, JavaScript and Python. Rate Limits Per-minute and per-day request limits, and what happens on breach. AI Agent / LLM The whole endpoint as one Markdown brief — paste into Claude, Cursor, Copilot or ChatGPT. GitHub Ready-to-run integration code, open source and MIT licensed.