CIBIL Credit Report API by Verifyal
Verifyal’s CIBIL Credit Report API offers a fast, secure, and automated way to access official CIBIL credit reports and scores. This powerful tool connects directly with TransUnion CIBIL, India’s leading credit information bureau, which tracks and maintains credit data for individuals and businesses.
With this API, you can instantly retrieve verified credit insights used by banks, NBFCs, and financial institutions to assess creditworthiness, manage risk, and speed up approval processes.
What You Need to Provide: Full Name, Mobile Number, Date of Birth, PAN Card Number, Using these details, the API returns the user’s CIBIL credit score, along with a full credit report, including repayment history, credit age, credit utilization, and inquiry data — all in a structured, developer-friendly JSON format.
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Verifyal’s CIBIL Credit Report API offers a fast and simplified way for users to access their official CIBIL credit score and report, along with key financial insights that reflect their credit behavior and history.
To retrieve credit information, users provide essential personal details including: Full Name, Mobile Number (linked to the credit profile), Date of Birth, PAN Card Number (as a unique financial identifier)
Once verified, the API returns a comprehensive credit report that includes credit score, repayment history, credit utilization, account summaries, and inquiry records — helping users better understand their creditworthiness and make informed financial decisions.
Benefits of Verifying with Our API
Real-Time Verification
Instantly access CIBIL scores, identity checks, and financial data with zero delays.
Enhanced Security & Fraud Prevention
Detect anomalies early and reduce fraud risks with robust, compliant verification.
Lightning-Fast Integration
Developer-friendly RESTful APIs with sandbox access for easy testing and quick deployment.
Comprehensive Data Access
Instantly access CIBIL scores, identity checks, and financial data with zero delays.
Smarter Decision Making
Use verified data to automate onboarding, credit assessment, and risk profiling
Trusted by Financial Institutions
Built on 5+ years of experience serving banks, NBFCs, fintechs, and enterprises.
Boost security and ensure
Have Questions? We’ve Got the Answers Here
Our guide to Frequently Asked Questions. Explore answers to common queries and empower your decision-making for a seamless collaboration.
What is the CIBIL API?
The CIBIL API by Verifyal is a secure, real-time interface that allows individuals and businesses to access official credit reports and scores from TransUnion CIBIL, India’s most trusted credit bureau. It simplifies credit data retrieval for use in lending, underwriting, and credit analysis.
How do I use the API?
To use Verifyal’s CIBIL API, you need to provide: Full Name, Mobile Number (linked to your credit profile), Date of Birth, PAN Card Number, Once authenticated, the API returns your CIBIL credit score and a detailed credit report in JSON format, ready for integration or analysis.
Is my data secure when using the API?
Yes. Verifyal uses bank-grade encryption, secure transmission protocols (HTTPS), and strict access controls to ensure your data is protected at every step. All data sharing is consent-based and compliant with data privacy laws.
How accurate is the information provided by the API?
Extremely accurate. The credit data is pulled directly from TransUnion CIBIL’s official database in real time, ensuring that the score and report reflect the most recent credit activity and bureau updates.
Can I access someone else’s credit information through the API?
No. Accessing another person’s credit information without their explicit consent is a violation of Indian privacy laws. Verifyal’s API enforces strict identity and consent verification protocols to ensure responsible usage.
Build With Verifyal
Call us at +91-9915992800 or fill out our form, and we’ll contact you within one business day.
