Business API India

CIBIL Credit Report

Pull a full TransUnion CIBIL consumer credit report and CIBIL score for an individual from their PAN, mobile number, name and gender, wit…

CIBIL Credit Report

POST

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.

  • Coverage: India
  • Real-time business lookup
  • Structured JSON response
  • POST request with Bearer auth
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Endpoint

POST
https://app.way2api.com/api/v1/credit-report-cibil/fetch-report

Content-Type: application/json
Authorization: Bearer YOUR_API_KEY

Request Parameters

Parameter Type Required Description
name string Yes Full name of the individual as it appears on their PAN. 2 to 100 characters.
mobile string Yes 10-digit Indian mobile number of the individual, starting 6-9. Ideally the number registered with their lenders.
pan string Yes 10-character PAN of the individual, e.g. ABCDE1234F. Case-insensitive.
gender string Yes Gender of the individual: "male", "female" or "transgender". Case-insensitive; "M", "F" and "T" are also accepted.
consent string Yes Must be "Y". A credit bureau enquiry is only lawful with the individual's explicit consent, and you must have obtained and retained it.

Request Example

<?php $ch = curl_init(); curl_setopt_array($ch, [ CURLOPT_URL => "https://app.way2api.com/api/v1/credit-report-cibil/fetch-report", CURLOPT_RETURNTRANSFER => true, CURLOPT_POST => true, CURLOPT_HTTPHEADER => [ "Authorization: Bearer YOUR_API_KEY", "Content-Type: application/json" ], CURLOPT_POSTFIELDS => json_encode([ "name" => "Ananya Sharma", "mobile" => "9876543210", "pan" => "ABCDE1234F", "gender" => "female", "consent" => "Y" ]) ]); $response = curl_exec($ch); $httpCode = curl_getinfo($ch, CURLINFO_HTTP_CODE); curl_close($ch); $data = json_decode($response, true); print_r($data);
const response = await fetch("https://app.way2api.com/api/v1/credit-report-cibil/fetch-report", { method: "POST", headers: { "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, body: JSON.stringify({ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "gender": "female", "consent": "Y" }) }); if (!response.ok) { throw new Error(`HTTP error: ${response.status}`); } const data = await response.json(); console.log(data);
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"}'
$.ajax({ url: "https://app.way2api.com/api/v1/credit-report-cibil/fetch-report", type: "POST", contentType: "application/json", headers: { "Authorization": "Bearer YOUR_API_KEY" }, data: JSON.stringify({ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "gender": "female", "consent": "Y" }), success: function(data) { console.log(data); }, error: function(xhr) { console.error(xhr.responseJSON); } });
const { data } = await axios.post( "https://app.way2api.com/api/v1/credit-report-cibil/fetch-report", {"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}, { headers: { "Authorization": "Bearer YOUR_API_KEY" } } ); console.log(data);
import requests response = requests.post( "https://app.way2api.com/api/v1/credit-report-cibil/fetch-report", headers={ "Authorization": "Bearer YOUR_API_KEY", "Content-Type": "application/json" }, json={ "name": "Ananya Sharma", "mobile": "9876543210", "pan": "ABCDE1234F", "gender": "female", "consent": "Y" } ) print(response.status_code) print(response.json())

Response Example

200 OK Success Response 
{
    "success": true,
    "message": "",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "name": "ANANYA SHARMA",
            "mobile": "9876543210",
            "pan": "ABCDE1234F",
            "gender": "female",
            "credit_score": 762,
            "report": {
                "control_number": "5123456789",
                "scored_on": "2026-09-19"
            },
            "scores": [
                {
                    "score": 762,
                    "model": "CIBILTransUnionScore3",
                    "scored_on": "2026-09-19",
                    "reason_codes": [
                        "14",
                        "39"
                    ]
                }
            ],
            "names": [
                {
                    "name": "ANANYA SHARMA",
                    "date_of_birth": "1992-04-18",
                    "gender": "female"
                }
            ],
            "identities": [
                {
                    "type": "pan",
                    "number": "ABCDE1234F"
                }
            ],
            "phones": [
                {
                    "number": "9876543210",
                    "type": "mobile"
                }
            ],
            "emails": [
                "[email protected]"
            ],
            "addresses": [
                {
                    "line_1": "FLAT 402 EXAMPLE RESIDENCY",
                    "line_2": "12 MG ROAD INDIRANAGAR",
                    "state_code": "29",
                    "pincode": "560038",
                    "category": "residence",
                    "residence_type": "",
                    "reported_on": "2026-08-31"
                }
            ],
            "employment": [
                {
                    "employer": "",
                    "account_type": "credit_card",
                    "occupation": "salaried",
                    "income": null,
                    "income_frequency": "",
                    "income_basis": "",
                    "reported_on": "2026-08-31"
                }
            ],
            "summary": {
                "total_accounts": 2,
                "overdue_accounts": 0,
                "zero_balance_accounts": 0,
                "sanctioned_amount": 496000,
                "current_balance": 206710,
                "overdue_balance": 0,
                "latest_opened_on": "2024-03-05",
                "oldest_opened_on": "2021-06-14"
            },
            "enquiry_summary": {
                "total": 1,
                "last_30_days": 0,
                "last_12_months": 0,
                "last_24_months": 0,
                "latest_enquiry_on": "2024-02-27"
            },
            "accounts": [
                {
                    "lender": "EXAMPLE BANK",
                    "account_number": "XXXXXXXXXXXX1234",
                    "account_type": "credit_card",
                    "ownership": "individual",
                    "credit_facility_status": "",
                    "suit_filed_status": "",
                    "opened_on": "2021-06-14",
                    "closed_on": "",
                    "reported_on": "2026-08-31",
                    "last_payment_on": "2026-08-12",
                    "payment_history_from": "2026-06-01",
                    "payment_history_to": "2026-08-01",
                    "sanctioned_amount": 96000,
                    "credit_limit": null,
                    "cash_limit": 38000,
                    "current_balance": 24310,
                    "amount_overdue": 0,
                    "last_payment_amount": 18500,
                    "emi_amount": null,
                    "interest_rate": null,
                    "tenure_months": null,
                    "payment_frequency": "",
                    "written_off_total": null,
                    "written_off_principal": null,
                    "settlement_amount": null,
                    "collateral_type": "",
                    "collateral_value": null,
                    "payment_history": "000000000",
                    "monthly_history": [
                        {
                            "month": "2026-08",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-07",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-06",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ]
                },
                {
                    "lender": "EXAMPLE FINANCE",
                    "account_number": "XXXXXXXX5678",
                    "account_type": "personal_loan",
                    "ownership": "individual",
                    "credit_facility_status": "",
                    "suit_filed_status": "",
                    "opened_on": "2024-03-05",
                    "closed_on": "",
                    "reported_on": "2026-08-31",
                    "last_payment_on": "2026-08-05",
                    "payment_history_from": "2026-06-01",
                    "payment_history_to": "2026-08-01",
                    "sanctioned_amount": 400000,
                    "credit_limit": null,
                    "cash_limit": null,
                    "current_balance": 182400,
                    "amount_overdue": 0,
                    "last_payment_amount": 11250,
                    "emi_amount": 11250,
                    "interest_rate": 13.5,
                    "tenure_months": 48,
                    "payment_frequency": "monthly",
                    "written_off_total": null,
                    "written_off_principal": null,
                    "settlement_amount": null,
                    "collateral_type": "",
                    "collateral_value": null,
                    "payment_history": "000000000",
                    "monthly_history": [
                        {
                            "month": "2026-08",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-07",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-06",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ]
                }
            ],
            "enquiries": [
                {
                    "enquired_on": "2024-02-27",
                    "member": "EXAMPLE FINANCE",
                    "purpose": "personal_loan",
                    "amount": 400000
                }
            ]
        }
    }
}
4xx Error Response 
{
    "success": false,
    "message": "No credit records were found for the details provided.",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "error_code": "no_record"
    }
}

Common Response Codes

Code Meaning
200 OK — Request successful
400 Bad Request — Missing or invalid parameters
401 Unauthorized — Invalid or missing API key
429 Too Many Requests — Rate limit exceeded
500 Server Error — Try again later

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