Multi-Bureau Consolidated Pull API

Query multiple credit bureaus concurrently. Combine scores and trade lines from CIBIL, Experian, and CRIF into a single normalized underwriting profile.

Get API Key Call: +91 83696 65857

Consolidated Multi-Bureau Waterfall Engine

Active Integration • 99.98% SLA

Introduction

Comprehensive Underwriting Feeds Direct from Multi Bureau Pull API

Never rely on a single bureau with potential data lags. Our Multi Bureau Pull API executes intelligent waterfall or simultaneous queries across CIBIL, Experian, and CRIF. The response combines and de-duplicates all tradelines into one pristine JSON payload with normalized scoring.

Automated deduplication of loan accounts, highest-score selection, and cross-bureau inquiry detection.

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": "multi-bureau-pull-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 Multi Bureau Pull 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