CRIF Credit Report
Use this sync API to pull a CRIF credit report of a user.
API URL: https://api.bulkpe.in/client/getCreditReport
Method: POST
Auth: Please refer to the Authorization page.
{
"reference": "Test17836723", //unique value
"firstName": "Richard",
"lastName": "Hendricks",
"phone": "8888999988", //mandatory param
"email": "[email protected]", //can be placeholder email address
"dob": "25/03/2000",
"pan": "HHUTS6234L", //optional
"aadhaar": "12867482488246", //optional
"toMail": true // true triggers an email to credit holder //optional
}
If toMail field as true then the email address given in the request will receive a CRIF credit report.
{
"status": true,
"statusCode": 200,
"data": {
"CreditProfileHeader": {
"ReportDate": 20250711,
"ReportTime": 103000,
"Version": "V2.4",
"ReportNumber": 1234567890123
},
"Current_Application": {
"Current_Application_Details": {
"Enquiry_Reason": "01",
"Finance_Purpose": "01",
"Amount_Financed": "50000",
"Duration_Of_Agreement": "24",
"Current_Applicant_Details": {
"Last_Name": "DOE",
"First_Name": "JOHN",
"Middle_Name1": "A",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "1",
"IncomeTaxPan": "ABCDE1234F",
"Date_Of_Birth_Applicant": "19900520",
"Telephone_Number_Applicant_1st": "9876543210",
"Telephone_Extension": "",
"Telephone_Type": "01",
"MobilePhoneNumber": "9876543210",
"EMailId": "[email protected]",
"PAN_Issue_Date": "20100101",
"PAN_Expiration_Date": "",
"Passport_Number": "P1234567",
"Passport_Issue_Date": "20150315",
"Passport_Expiration_Date": "20250314",
"Voter_s_Identity_Card": "VOTER123456",
"Voter_ID_Issue_Date": "20080701",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "DL987654321",
"Driver_License_Issue_Date": "20120910",
"Driver_License_Expiration_Date": "20270909",
"Ration_Card_Number": "RCARD7890",
"Ration_Card_Issue_Date": "20050101",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "UID000000000000",
"Universal_ID_Issue_Date": "20101111",
"Universal_ID_Expiration_Date": ""
},
"Current_Other_Details": {
"Income": "750000",
"Marital_Status": "M",
"Employment_Status": "01",
"Time_with_Employer": "60",
"Number_of_Major_Credit_Card_Held": "2"
},
"Current_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "123",
"BldgNoSocietyName": "Maple Apartments",
"RoadNoNameAreaLocality": "Oak Street",
"City": "Mumbai",
"Landmark": "Near Central Park",
"State": "27",
"PINCode": "400001",
"Country_Code": "IN"
},
"Current_Applicant_Additional_AddressDetails": ""
}
},
"CAIS_Account": {
"CAIS_Summary": {
"Credit_Account": {
"CreditAccountTotal": "3",
"CreditAccountActive": "2",
"CreditAccountDefault": "0",
"CreditAccountClosed": "1",
"CADSuitFiledCurrentBalance": "0"
},
"Total_Outstanding_Balance": {
"Outstanding_Balance_Secured": "150000",
"Outstanding_Balance_Secured_Percentage": "60",
"Outstanding_Balance_UnSecured": "25000",
"Outstanding_Balance_UnSecured_Percentage": "10",
"Outstanding_Balance_All": "175000"
}
},
"CAIS_Account_DETAILS": [
{
"Identification_Number": "BANKXXXXXXX",
"Subscriber_Name": "Dummy Bank A",
"Account_Number": "XXXXXXXXXXXXX1111",
"Portfolio_Type": "I",
"Account_Type": "03",
"Open_Date": "20220301",
"Credit_Limit_Amount": "100000",
"Highest_Credit_or_Original_Loan_Amount": "100000",
"Terms_Duration": "36",
"Terms_Frequency": "M",
"Scheduled_Monthly_Payment_Amount": "3500",
"Account_Status": "11",
"Payment_Rating": "0",
"Payment_History_Profile": "DDDDSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS",
"Special_Comment": "",
"Current_Balance": "50000",
"Amount_Past_Due": "0",
"Original_Charge_Off_Amount": "",
"Date_Reported": "20250630",
"Date_of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "20250625",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": "",
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "3500",
"Occupation_Code": "01",
"Settlement_Amount": "",
"Value_of_Collateral": "",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": "0",
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": "20220315",
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": "1",
"CAIS_Account_History": [
{
"Year": "2025",
"Month": "06",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "05",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "04",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "03",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "02",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "01",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "12",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "11",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "10",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "09",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "08",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "07",
"Days_Past_Due": "0",
"Asset_Classification": "S"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "DOE",
"First_Name_Non_Normalized": "JOHN",
"Middle_Name_1_Non_Normalized": "A",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": "1",
"Income_TAX_PAN": "ABCDE1234F",
"Passport_Number": "P1234567",
"Voter_ID_Number": "",
"Date_of_birth": "19900520"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "123 Oak Street",
"Second_Line_Of_Address_non_normalized": "Maple Apartments",
"Third_Line_Of_Address_non_normalized": "Apt 4B",
"City_non_normalized": "Mumbai",
"Fifth_Line_Of_Address_non_normalized": "Near Central Park",
"State_non_normalized": "MH",
"ZIP_Postal_Code_non_normalized": "400001",
"CountryCode_non_normalized": "IN",
"Address_indicator_non_normalized": "01",
"Residence_code_non_normalized": "O"
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": "02212345678",
"Telephone_Type": "01",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "9876543210",
"FaxNumber": "",
"EMailId": "[email protected]"
}
],
"CAIS_Holder_ID_Details": [
{
"Income_TAX_PAN": "ABCDE1234F",
"PAN_Issue_Date": "20100101",
"PAN_Expiration_Date": "",
"Passport_Number": "P1234567",
"Passport_Issue_Date": "20150315",
"Passport_Expiration_Date": "20250314",
"Voter_ID_Number": "VOTER123456",
"Voter_ID_Issue_Date": "20080701",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "DL987654321",
"Driver_License_Issue_Date": "20120910",
"Driver_License_Expiration_Date": "20270909",
"Ration_Card_Number": "RCARD7890",
"Ration_Card_Issue_Date": "20050101",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "UID000000000000",
"Universal_ID_Issue_Date": "20101111",
"Universal_ID_Expiration_Date": "",
"EMailId": "[email protected]"
}
],
"Account_Review_Data": [
{
"Year": "2025",
"Month": "6",
"Account_Status": "11",
"Actual_Payment_Amount": "3500",
"Current_Balance": "50000",
"Credit_Limit_Amount": "100000",
"Amount_Past_Due": "0",
"Cash_Limit": "",
"EMI_Amount": "3500"
},
{
"Year": "2025",
"Month": "5",
"Account_Status": "11",
"Actual_Payment_Amount": "3500",
"Current_Balance": "53500",
"Credit_Limit_Amount": "100000",
"Amount_Past_Due": "0",
"Cash_Limit": "",
"EMI_Amount": "3500"
}
]
},
{
"Identification_Number": "CREDXxxxxxx",
"Subscriber_Name": "Dummy Credit Union",
"Account_Number": "XXXXXXXXXXXXXXXXXXX2222",
"Portfolio_Type": "R",
"Account_Type": "10",
"Open_Date": "20240115",
"Credit_Limit_Amount": "25000",
"Highest_Credit_or_Original_Loan_Amount": "25000",
"Terms_Duration": "0",
"Terms_Frequency": "",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": "11",
"Payment_Rating": "0",
"Payment_History_Profile": "SSSSSSSSSSSS",
"Special_Comment": "",
"Current_Balance": "15000",
"Amount_Past_Due": "0",
"Original_Charge_Off_Amount": "",
"Date_Reported": "20250630",
"Date_of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "20250620",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": "",
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "1000",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": "0",
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": "20240131",
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": "1",
"CAIS_Account_History": [
{
"Year": "2025",
"Month": "06",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "05",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "04",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "03",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "02",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2025",
"Month": "01",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "12",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "11",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "10",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "09",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "08",
"Days_Past_Due": "0",
"Asset_Classification": "S"
},
{
"Year": "2024",
"Month": "07",
"Days_Past_Due": "0",
"Asset_Classification": "S"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "DOE",
"First_Name_Non_Normalized": "JOHN",
"Middle_Name_1_Non_Normalized": "A",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": "1",
"Income_TAX_PAN": "ABCDE1234F",
"Passport_Number": "P1234567",
"Voter_ID_Number": "",
"Date_of_birth": "19900520"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "123 Oak Street",
"Second_Line_Of_Address_non_normalized": "Maple Apartments",
"Third_Line_Of_Address_non_normalized": "Apt 4B",
"City_non_normalized": "Mumbai",
"Fifth_Line_Of_Address_non_normalized": "Near Central Park",
"State_non_normalized": "MH",
"ZIP_Postal_Code_non_normalized": "400001",
"CountryCode_non_normalized": "IN",
"Address_indicator_non_normalized": "01",
"Residence_code_non_normalized": "O"
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": "02212345678",
"Telephone_Type": "01",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "9876543210",
"FaxNumber": "",
"EMailId": "[email protected]"
}
],
"CAIS_Holder_ID_Details": [
{
"Income_TAX_PAN": "ABCDE1234F",
"PAN_Issue_Date": "20100101",
"PAN_Expiration_Date": "",
"Passport_Number": "P1234567",
"Passport_Issue_Date": "20150315",
"Passport_Expiration_Date": "20250314",
"Voter_ID_Number": "VOTER123456",
"Voter_ID_Issue_Date": "20080701",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "DL987654321",
"Driver_License_Issue_Date": "20120910",
"Driver_License_Expiration_Date": "20270909",
"Ration_Card_Number": "RCARD7890",
"Ration_Card_Issue_Date": "20050101",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "UID000000000000",
"Universal_ID_Issue_Date": "20101111",
"Universal_ID_Expiration_Date": "",
"EMailId": "[email protected]"
}
],
"Account_Review_Data": [
{
"Year": "2025",
"Month": "6",
"Account_Status": "11",
"Actual_Payment_Amount": "1000",
"Current_Balance": "15000",
"Credit_Limit_Amount": "25000",
"Amount_Past_Due": "0",
"Cash_Limit": "10000",
"EMI_Amount": ""
},
{
"Year": "2025",
"Month": "5",
"Account_Status": "11",
"Actual_Payment_Amount": "1000",
"Current_Balance": "16000",
"Credit_Limit_Amount": "25000",
"Amount_Past_Due": "0",
"Cash_Limit": "10000",
"EMI_Amount": ""
}
]
},
{
"Identification_Number": "FINANxxxxx",
"Subscriber_Name": "Dummy Finance Co",
"Account_Number": "XXXXXXXXXXXXX3333",
"Portfolio_Type": "I",
"Account_Type": "07",
"Open_Date": "20200101",
"Credit_Limit_Amount": "",
"Highest_Credit_or_Original_Loan_Amount": "500000",
"Terms_Duration": "60",
"Terms_Frequency": "M",
"Scheduled_Monthly_Payment_Amount": "10000",
"Account_Status": "15",
"Payment_Rating": "S",
"Payment_History_Profile": "SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS",
"Special_Comment": "Account Closed",
"Current_Balance": "0",
"Amount_Past_Due": "0",
"Original_Charge_Off_Amount": "",
"Date_Reported": "20231231",
"Date_of_First_Delinquency": "",
"Date_Closed": "20231230",
"Date_of_Last_Payment": "20231225",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WillfulDefault": "",
"Written_off_Settled_Status": "S",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "0",
"Value_of_Collateral": "500000",
"Type_of_Collateral": "Property",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": "0",
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": "20200115",
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": "1",
"CAIS_Account_History": [
{
"Year": "2023",
"Month": "12",
"Days_Past_Due": "",
"Asset_Classification": "S"
},
{
"Year": "2023",
"Month": "11",
"Days_Past_Due": "",
"Asset_Classification": "S"
},
{
"Year": "2023",
"Month": "10",
"Days_Past_Due": "",
"Asset_Classification": "S"
},
{
"Year": "2023",
"Month": "09",
"Days_Past_Due": "",
"Asset_Classification": "S"
},
{
"Year": "2023",
"Month": "08",
"Days_Past_Due": "",
"Asset_Classification": "S"
},
{
"Year": "2023",
"Month": "07",
"Days_Past_Due": "",
"Asset_Classification": "S"
}
],
"CAIS_Holder_Details": [
{
"Surname_Non_Normalized": "DOE",
"First_Name_Non_Normalized": "JOHN",
"Middle_Name_1_Non_Normalized": "A",
"Middle_Name_2_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Alias": "",
"Gender_Code": "1",
"Income_TAX_PAN": "ABCDE1234F",
"Passport_Number": "P1234567",
"Voter_ID_Number": "",
"Date_of_birth": "19900520"
}
],
"CAIS_Holder_Address_Details": [
{
"First_Line_Of_Address_non_normalized": "123 Oak Street",
"Second_Line_Of_Address_non_normalized": "Maple Apartments",
"Third_Line_Of_Address_non_normalized": "Apt 4B",
"City_non_normalized": "Mumbai",
"Fifth_Line_Of_Address_non_normalized": "Near Central Park",
"State_non_normalized": "MH",
"ZIP_Postal_Code_non_normalized": "400001",
"CountryCode_non_normalized": "IN",
"Address_indicator_non_normalized": "01",
"Residence_code_non_normalized": "O"
}
],
"CAIS_Holder_Phone_Details": [
{
"Telephone_Number": "02212345678",
"Telephone_Type": "01",
"Telephone_Extension": "",
"Mobile_Telephone_Number": "9876543210",
"FaxNumber": "",
"EMailId": "[email protected]"
}
],
"CAIS_Holder_ID_Details": [
{
"Income_TAX_PAN": "ABCDE1234F",
"PAN_Issue_Date": "20100101",
"PAN_Expiration_Date": "",
"Passport_Number": "P1234567",
"Passport_Issue_Date": "20150315",
"Passport_Expiration_Date": "20250314",
"Voter_ID_Number": "VOTER123456",
"Voter_ID_Issue_Date": "20080701",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "DL987654321",
"Driver_License_Issue_Date": "20120910",
"Driver_License_Expiration_Date": "20270909",
"Ration_Card_Number": "RCARD7890",
"Ration_Card_Issue_Date": "20050101",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "UID000000000000",
"Universal_ID_Issue_Date": "20101111",
"Universal_ID_Expiration_Date": "",
"EMailId": "[email protected]"
}
],
"Account_Review_Data": [
{
"Year": "2023",
"Month": "12",
"Account_Status": "15",
"Actual_Payment_Amount": "10000",
"Current_Balance": "0",
"Credit_Limit_Amount": "500000",
"Amount_Past_Due": "0",
"Cash_Limit": "",
"EMI_Amount": "10000"
},
{
"Year": "2023",
"Month": "11",
"Account_Status": "21",
"Actual_Payment_Amount": "10000",
"Current_Balance": "10000",
"Credit_Limit_Amount": "500000",
"Amount_Past_Due": "0",
"Cash_Limit": "",
"EMI_Amount": "10000"
}
]
}
]
},
"Match_result": {
"Exact_match": "Y"
},
"TotalCAPS_Summary": {
"TotalCAPSLast7Days": "1",
"TotalCAPSLast30Days": "2",
"TotalCAPSLast90Days": "3",
"TotalCAPSLast180Days": "4"
},
"CAPS": {
"CAPS_Summary": {
"CAPSLast7Days": "0",
"CAPSLast30Days": "0",
"CAPSLast90Days": "1",
"CAPSLast180Days": "2"
}
},
"NonCreditCAPS": {
"NonCreditCAPS_Summary": {
"NonCreditCAPSLast7Days": "1",
"NonCreditCAPSLast30Days": "2",
"NonCreditCAPSLast90Days": "2",
"NonCreditCAPSLast180Days": "2"
},
"CAPS_Application_Details": [
{
"Subscriber_code": "TELCxxxxxxx",
"Subscriber_Name": "Dummy Telecom",
"Date_of_Request": "20250601",
"ReportTime": "100000",
"ReportNumber": "1752000000001",
"Enquiry_Reason": "02",
"Finance_Purpose": "05",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0"
},
{
"Subscriber_code": "UTILxxxxxxx",
"Subscriber_Name": "Dummy Utility",
"Date_of_Request": "20250510",
"ReportTime": "143000",
"ReportNumber": "1751000000002",
"Enquiry_Reason": "02",
"Finance_Purpose": "05",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0"
},
{
"Subscriber_code": "INSURxxxxxx",
"Subscriber_Name": "Dummy Insurance",
"Date_of_Request": "20250420",
"ReportTime": "090000",
"ReportNumber": "1750000000003",
"Enquiry_Reason": "02",
"Finance_Purpose": "05",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0"
},
{
"Subscriber_code": "RENTLxxxxxx",
"Subscriber_Name": "Dummy Rental Co",
"Date_of_Request": "20250315",
"ReportTime": "111500",
"ReportNumber": "1749000000004",
"Enquiry_Reason": "02",
"Finance_Purpose": "05",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0"
}
]
},
"SCORE": {
"FCIREXScore": 750,
"FCIREXScoreConfidLevel": "High"
},
"version": 2
},
"message": "Success found"
}