CIBIL Credit Report
Use this sync API to pull a CIBIL report of a user.
API URL: https://api.bulkpe.in/client/getCibil
Method: POST
Auth: Please refer to the Authorization page.
{
"reference": "Test17836723",
"firstName":"kavi",
"lastName":"Prakash",
"phone":"8888999988",
"pan":"HHUTS6234L"
}
{
"status": true,
"statusCode": 200,
"data": {
"mobile": "8888999988",
"pan": "HHUTS6234L",
"name": "KAVI PRAKASH",
"gender": "male",
"user_email": null,
"credit_score": "772",
"credit_report": [
{
"names": [
{
"birthDate": "2000-06-07",
"gender": "male",
"index": "N01",
"name": "KAVI PRAKASH"
}
],
"ids": [
{
"idNumber": "3112345662",
"idType": "SocialId",
"index": "1"
},
{
"idNumber": "HHUTS6234L",
"idType": "TaxId",
"index": "2"
},
{
"idNumber": "40012345678931",
"idType": "CkycId",
"index": "3"
}
],
"telephones": [
{
"enquiryEnriched": "Y",
"index": "1",
"telephoneNumber": "8888999988",
"telephoneType": "00"
},
{
"enquiryEnriched": "Y",
"index": "2",
"telephoneNumber": "8888999988",
"telephoneType": "01"
}
],
"emails": [
{
"emailID": "[email protected]",
"index": "1"
}
],
"employment": [],
"scores": [
{
"score": "772",
"scoreCardName": "CIBILABCD3",
"scoreCardVersion": "",
"scoreDate": "2025-11-10",
"scoreName": "CIBILTransUnionScore3",
"reasonCodes": [
{
"reasonCodeName": "reasonCode 00",
"reasonCodeValue": "00"
},
{
"reasonCodeName": "reasonCode 00",
"reasonCodeValue": "00"
},
{
"reasonCodeName": "reasonCode 00",
"reasonCodeValue": "00"
},
{
"reasonCodeName": "reasonCode 00",
"reasonCodeValue": "00"
},
{
"reasonCodeName": "reasonCode 00",
"reasonCodeValue": "00"
}
]
}
],
"addresses": [
{
"addressCategory": "04",
"dateReported": "2019-10-14",
"index": "1",
"line1": "12/91,abcd Village, chennai ",
"line2": "",
"pinCode": "641233",
"stateCode": "33"
}
],
"accounts": [
{
"accountType": "Education Loan",
"accountNumber": "00000031234567895",
"actualPaymentAmount": "-1",
"creditFacilityStatus": "",
"amountOverdue": "-1",
"currentBalance": "266574",
"dateOpened": "2019-11-26",
"dateReported": "2025-10-15",
"highCreditAmount": "372000",
"index": "0",
"lastPaymentDate": "2023-09-30",
"memberShortName": "SBI",
"ownershipIndicator": "Individual",
"paymentStartDate": "2022-11-01",
"paymentEndDate": "2025-10-01",
"paymentFrequency": "03",
"paymentHistory": "STDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTDSTD",
"woAmountPrincipal": "-1",
"woAmountTotal": "-1",
"settlementAmount": "-1",
"dateClosed": "NA",
"termMonths": "240",
"monthlyPayStatus": [
{
"date": "2025-10-01",
"status": "STD"
},
{
"date": "2025-09-01",
"status": "STD"
},
{
"date": "2025-08-01",
"status": "STD"
},
{
"date": "2025-07-01",
"status": "STD"
},
{
"date": "2025-06-01",
"status": "STD"
},
{
"date": "2025-05-01",
"status": "STD"
},
{
"date": "2025-04-01",
"status": "STD"
},
{
"date": "2025-03-01",
"status": "STD"
},
{
"date": "2025-02-01",
"status": "STD"
},
{
"date": "2025-01-01",
"status": "STD"
},
{
"date": "2024-12-01",
"status": "STD"
},
{
"date": "2024-11-01",
"status": "STD"
},
{
"date": "2024-10-01",
"status": "STD"
},
{
"date": "2024-09-01",
"status": "STD"
},
{
"date": "2024-08-01",
"status": "STD"
},
{
"date": "2024-07-01",
"status": "STD"
},
{
"date": "2024-06-01",
"status": "STD"
},
{
"date": "2024-05-01",
"status": "STD"
},
{
"date": "2024-04-01",
"status": "STD"
},
{
"date": "2024-03-01",
"status": "STD"
},
{
"date": "2024-02-01",
"status": "STD"
},
{
"date": "2024-01-01",
"status": "STD"
},
{
"date": "2023-12-01",
"status": "STD"
},
{
"date": "2023-11-01",
"status": "STD"
},
{
"date": "2023-10-01",
"status": "STD"
},
{
"date": "2023-09-01",
"status": "STD"
},
{
"date": "2023-08-01",
"status": "STD"
},
{
"date": "2023-07-01",
"status": "STD"
},
{
"date": "2023-06-01",
"status": "STD"
},
{
"date": "2023-05-01",
"status": "STD"
},
{
"date": "2023-04-01",
"status": "STD"
},
{
"date": "2023-03-01",
"status": "STD"
},
{
"date": "2023-02-01",
"status": "STD"
},
{
"date": "2023-01-01",
"status": "STD"
},
{
"date": "2022-12-01",
"status": "STD"
},
{
"date": "2022-11-01",
"status": "STD"
}
],
"emiAmount": "4554",
"repaymentTenure": "240",
"suitFiledWillfulDefaultWrittenOff": ""
}
],
"enquiries": [],
"response": {
"consumerSummaryresp": {
"accountSummary": {
"totalAccounts": 1,
"highCreditAmount": 372000,
"currentBalance": 266574,
"overdueAccounts": 0,
"overdueBalance": -1,
"zeroBalanceAccounts": 0,
"recentDateOpened": "2019-11-26",
"oldestDateOpened": "2019-11-26"
},
"inquirySummary": {
"totalInquiry": 0,
"inquiryPast30Days": "",
"inquiryPast12Months": "",
"inquiryPast24Months": "",
"recentInquiryDate": ""
}
}
}
}
]
},
"message": "Sucess found"
}