Unified Credit Bureau API Gateway

Connect directly with India’s leading credit bureaus through one robust API endpoint. Access verified consumer and commercial credit profiles with complete repayment trajectories.

Get API Key Call: +91 83696 65857

All Recognized Credit Bureaus (CIBIL, Experian, CRIF, Equifax)

Active Integration • 99.98% SLA

Introduction

Comprehensive Underwriting Feeds Direct from Credit Bureau API

Risiddha Finserve’s Credit Bureau API offers digital lenders, banks, and fintech organizations an automated, real-time gateway to pull authentic credit reports. By eliminating manual verification bottlenecks, our API delivers actionable underwriting data directly from primary bureau repositories to your decision engine within milliseconds.

Multi-institution bureau feeds providing 360-degree debt exposure and risk profiling.

Primary Verified Data Points Returned

Bureau Credit Score (300-900)

24-36 Month DPD Repayment Grid

Active & Closed Loan Accounts

Credit Card Utilization Ratios

Recent Inquiries & Velocity Log

Default, Write-off & Settlement Flags

POST /v1/credit/pull JSON API

Required Input Payload

{
  "full_name": "Arjun Sharma",
  "mobile_number": "9812345678",
  "dob": "1991-08-14",
  "pan_card": "ABCPS1234F",
  "consent_token": "usr_cst_9882193"
}

Sample Normalized Response

{
  "status": "SUCCESS",
  "bureau": "credit-bureau-api",
  "score": 792,
  "risk_grade": "LOW_RISK",
  "total_open_accounts": 3,
  "overdue_amount_inr": 0,
  "delinquencies_last_year": 0
}

Latency: ~42ms 256-Bit SSL

Technical Excellence

Benefits of Verifying with Risiddha Finserve

Our high-throughput gateway guarantees the data integrity, velocity, and uptime essential for enterprise digital lending.

Real-Time Verification

Eliminate batch delays. Query live bureau records and receive standardized JSON responses in sub-second timelines.

Fraud & Velocity Shield

Uncover simultaneous multi-application bursts and identity discrepancies, shielding your loan book from synthetic default syndicates.

Lightning Integration

Deploy in hours with complete developer kits, Postman test collections, and instant staging sandbox credentials.

Normalized Data Model

No more parsing complex bureau-specific legacy formats. Every response follows clean, predictable REST standards.

Automated Underwriting

Feed clean credit markers directly into algorithmic risk models, rules engines, and loan origination software (LOS).

Privacy & Compliance

Guaranteed adherence to Indian IT laws, consent verification rules, and enterprise cryptographic access governance.

Ready to Integrate Credit Bureau API?

Request your developer sandbox credentials now or speak directly with our engineering desk in Ghaziabad at +91 83696 65857.

Request Sandbox Credentials Call: +91 83696 65857