cibil-credit-report-api

Introduction to Verifyal’s CIBIL Credit Report API

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.

All data is delivered in a structured JSON format, making it easy to integrate into web or mobile applications for real-time credit analysis, loan evaluation, and financial planning.

Benefits of Verifying with Our API

Choosing Verifyal’s Verification APIs gives your business a competitive edge with speed, accuracy, and security. Here’s what you gain:

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

Access 300+ APIs covering credit, identity, PAN, Aadhaar, bank account validation, and more.

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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.

// FAQS

Frequently asked questions

Our guide to Frequently Asked Questions. Explore answers to common queries and empower your decision-making for a seamless collaboration.

Let’s Talk

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.

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.

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.

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.

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.

Get Your Free API Key Today with Verifyal

Unlock instant access to 60+ powerful verification APIs, including CIBIL score checks, to streamline your KYC/KYB processes effortlessly. With Verifyal, you can:

Test all APIs in a secure sandbox environment before going live.
Experience seamless integration with our developer-first documentation.
Get 24/7 expert support to ensure smooth implementation.
Boost your onboarding efficiency with real-time CIBIL and financial verification APIs.

Start for free today and elevate your verification workflows with Verifyal — Your trusted API partner.

Build With Verifyal

We’d love to show you how Verifyal’s powerful CIBIL and verification APIs can elevate your business. Fill out the form below, and our team will connect with you within 24 hours to get you started.

CIBIL Credit Report API by Verifyal

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Introduction to Verifyal’s CIBIL Credit Report API