CRIF Credit Report

{ "reference": "Test17836723", //unique value "firstName": "KAVI", "lastName": "PRAKASH", "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 }

{ "status": true, "statusCode": 200, "data": { "first_name": "KAVI", "last_name": "PRAKASH", "pan": "HHUTS6234L", "mobile": "8888999988", "credit_score": "749", "credit_report": { "HEADER": { "DATE-OF-REQUEST": "11-11-2025", "DATE-OF-ISSUE": "11-11-2025", "REPORT-ID": "CCR251111CR571478535", "BATCH-ID": "4106154785251111", "inquiryId_": "13067415255", "STATUS": "SUCCESS" }, "PERSONAL-INFO-VARIATION": { "NAME-VARIATIONS": { "VARIATION": { "VALUE": "KAVI PRAKASH N", "REPORTED-DATE": "31-10-2025" } }, "ADDRESS-VARIATIONS": { "VARIATION": { "VALUE": "S/O: Ram, metra village, madathu taluk, COIMBATORE 641236 TN", "REPORTED-DATE": "31-10-2025" } }, "PAN-VARIATIONS": { "VARIATION": { "VALUE": "HHUTS6234L", "REPORTED-DATE": "31-10-2025" } }, "UID-VARIATIONS": { "VARIATION": { "VALUE": "XXXXXXXX47h7", "REPORTED-DATE": "31-10-2025" } }, "OTHER-ID-VARIATIONS": { "VARIATION": { "VALUE": "40011284584531", "REPORTED-DATE": "31-10-2025" } }, "DRIVING-LICENSE-VARIATIONS": "", "DATE-OF-BIRTH-VARIATIONS": { "VARIATION": { "VALUE": "25-03-2000", "REPORTED-DATE": "31-10-2025" } }, "VOTER-ID-VARIATIONS": "", "PASSPORT-VARIATIONS": "", "PHONE-NUMBER-VARIATIONS": { "VARIATION": { "VALUE": "8888999988", "REPORTED-DATE": "31-10-2025" } }, "RATION-CARD-VARIATIONS": "", "EMAIL-VARIATIONS": { "VARIATION": { "VALUE": "[email protected]", "REPORTED-DATE": "31-10-2025" } } }, "SECONDARY-MATCHES": "", "ACCOUNTS-SUMMARY": { "DERIVED-ATTRIBUTES": { "INQURIES-IN-LAST-SIX-MONTHS": "0", "LENGTH-OF-CREDIT-HISTORY-YEAR": "5", "LENGTH-OF-CREDIT-HISTORY-MONTH": "11", "AVERAGE-ACCOUNT-AGE-YEAR": "5", "AVERAGE-ACCOUNT-AGE-MONTH": "11", "NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": "0", "NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": "0" }, "PRIMARY-ACCOUNTS-SUMMARY": { "PRIMARY-NUMBER-OF-ACCOUNTS": "1", "PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": "1", "PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0", "PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": "1", "PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": "0", "PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0", "PRIMARY-CURRENT-BALANCE": "2,68,889", "PRIMARY-SANCTIONED-AMOUNT": "3,72,000", "PRIMARY-DISBURSED-AMOUNT": "3,72,000" }, "SECONDARY-ACCOUNTS-SUMMARY": { "SECONDARY-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-SECURED-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0", "SECONDARY-CURRENT-BALANCE": "0", "SECONDARY-SANCTIONED-AMOUNT": "0", "SECONDARY-DISBURSED-AMOUNT": "0" } }, "EMPLOYMENT-DETAILS": { "EMPLOYMENT-DETAIL": "" }, "RESPONSES": { "RESPONSE": { "LOAN-DETAILS": { "ACCT-NUMBER": "00000074547852735", "CREDIT-GUARANTOR": "STATE BANK OF INDIA", "ACCT-TYPE": "Education Loan", "DATE-REPORTED": "31-10-2025", "OWNERSHIP-IND": "Individual", "ACCOUNT-STATUS": "Active", "DISBURSED-AMT": "3,72,000", "DISBURSED-DT": "26-11-2019", "INSTALLMENT-AMT": "4,554/Monthly", "WRITE-OFF-AMT": "0", "CURRENT-BAL": "2,68,889", "COMBINED-PAYMENT-HISTORY": "Oct:2025,XXX/STD|Sep:2025,XXX/STD|Aug:2025,XXX/STD|Jul:2025,XXX/STD|Jun:2025,XXX/STD|May:2025,XXX/STD|Apr:2025,XXX/STD|Mar:2025,XXX/STD|Feb:2025,XXX/STD|Jan:2025,XXX/STD|Dec:2024,XXX/STD|Nov:2024,XXX/STD|Oct:2024,XXX/STD|Sep:2024,XXX/STD|Aug:2024,XXX/STD|Jul:2024,XXX/STD|Jun:2024,XXX/STD|May:2024,XXX/STD|Apr:2024,XXX/STD|Mar:2024,XXX/STD|Feb:2024,XXX/STD|Jan:2024,XXX/STD|Dec:2023,XXX/STD|Nov:2023,XXX/STD|Oct:2023,XXX/STD|Sep:2023,XXX/STD|Aug:2023,XXX/STD|Jul:2023,XXX/STD|Jun:2023,XXX/STD|May:2023,XXX/STD|Apr:2023,XXX/STD|Mar:2023,XXX/STD|Feb:2023,XXX/STD|Jan:2023,XXX/STD|Dec:2022,XXX/STD|Nov:2022,XXX/STD|", "MATCHED-TYPE": "PRIMARY", "LINKED-ACCOUNTS": "", "PRINCIPAL-WRITE-OFF-AMT": "0", "SECURITY-DETAILS": "", "REPAYMENT-TENURE": "240", "INTEREST-RATE": "10.2", "SETTLEMENT-AMT": "0" } } }, "SCORES": { "SCORE": { "SCORE-TYPE": "PERFORM CONSUMER 2.2", "SCORE-VALUE": "749", "SCORE-FACTORS": "SF05|SF11|SF33||" } }, "verificarionScoreList": "", "PRINTABLE-REPORT": { "TYPE": "", "FILE-NAME": "", "CONTENT": "" }, "enhanceProCcirFlag": "false", "ccirFlag": "false" } }, "message": "Sucess found" }