Banking
Credit history before you commit the money
Bureau reports and scores pulled in seconds with the borrower's consent, so a lending decision rests on repayment behaviour rather than on a feeling.
< 10s
Report turnaround
Consent
Captured and stored
Soft
Pulls available
What CIBIL does for you
A bureau pull tells you what a borrower already owes, how reliably they have paid, and how many lenders have looked at them recently. It is the cheapest risk control a lender has.
Consent is captured and stored before anything is requested, because the regulation around a credit pull is as important as the data that comes back from it.
Instant retrieval
Score and full report returned in seconds, inside your onboarding flow rather than after it.
Consent on record
The borrower's authorisation is captured, timestamped and retained against the enquiry.
Soft enquiries
Check eligibility without marking the borrower's file, then convert to a hard pull only when you are serious.
Parsed, not just a PDF
Accounts, overdues, enquiries and the score come back as structured fields your rules engine can read.
Individual and business
Consumer bureau data for retail borrowers and commercial reports for entities, through one interface.
Feeds your rules
Thresholds, cut-offs and auto-decline rules run on the response, so clean cases move without a human.
01
Capture consent
The borrower authorises the check as part of your application, and the record is kept.
02
Pull the report
Send PAN and identity details through the API; the bureau responds in seconds.
03
Read the structured data
Score, active accounts, overdues and recent enquiries arrive as fields, not a document to read.
04
Decide and record
Your rules approve, refer or decline, with the exact report that supported the decision stored alongside.
A soft enquiry does not. Use soft pulls for eligibility and reserve a hard enquiry for an application the borrower has actually made.
Yes. A bureau pull without recorded borrower consent is a regulatory breach, which is why consent capture sits inside the flow rather than beside it.
Yes. Commercial bureau reports cover entities and their directors, which matters for secured and SME lending.
Ready when you are