Cibil Score & many more

CIBIL Score API is a premium fintech service that allows you to retrieve an individual’s credit score and full report from TransUnion CIBIL, one of India’s leading credit bureaus. It’s essential for loan eligibility checks, credit underwriting, and digital KYC platforms.

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✅ What You Get from a CIBIL Score API

Feature	Description
🔢 CIBIL Score (300–900)	Shows credit health of user
🏦 Loan & Credit Card History	Displays accounts, balances, defaults
📉 Overdue/Defaults Flags	Tracks missed EMIs or write-offs
📅 Enquiry History	Shows how many lenders pulled their report
🧾 Detailed Credit Report	PDF or JSON credit report with score summary

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🔎 API Flow: Sample CIBIL Score Check

🔐 Input (PAN-based):

jsonCopyEditPOST /cibil/check
{
  "pan_number": "ABCDE1234F",
  "name": "RAHUL KUMAR",
  "dob": "1990-05-15",
  "mobile": "9876543210"
}

✅ Output:

jsonCopyEdit{
  "score": 752,
  "status": "Good",
  "report_link": "https://link-to-cibil-report.pdf",
  "active_loans": 2,
  "last_enquiry_date": "2024-12-10"
}

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🧑‍💼 CIBIL Portal with Admin & Reseller Login

Role	Features
👑 Admin Panel	Set pricing, manage retailers, track reports
🤝 Distributor Panel	Agent creation, pricing control
👨‍💼 Retailer Panel	PAN + Mobile input, instant score & PDF

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💰 CIBIL API Pricing & Commission (Est.)

Type	Cost to Admin	Retailer Price	Earnings
CIBIL Score Check Only	₹15–₹25	₹30–₹50	₹10–₹25
Full CIBIL Report (PDF)	₹20–₹40	₹50–₹100	₹20–₹60

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🔌 Combine CIBIL with Other APIs

Integrated Services	Use
🔍 PAN Verification	For KYC before score check
🧾 Bank Account Validation	Payouts, loan transfer verification
📱 Mobile Validation	OTP authentication
🧑‍💼 Loan Eligibility APIs	Credit filter + eligibility check
🏦 Credit Card & Loan Offers	Based on score (pre-approved offers)

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⚠️ Legal Use Requirements

• ✅ Requires user consent (OTP) for score pull
• ✅ Must be registered with a Bureau Partner or NBFC
• ⚠️ Not available freely without tie-up
• ⚠️ Illegal use or misuse of PAN is punishable