Financial · Live
CIBIL Score API
Bureau score and full credit report, with the borrower’s consent.
What the CIBIL Score API does
The CIBIL Score API returns a consent-based CIBIL (TransUnion) credit score and the structured credit report — accounts and enquiries — for an individual, looked up by PAN and mobile. You must hold the borrower’s consent for the credit pull before calling and keep it as evidence; the request carries the consent flag and an OTP.
Popular use cases
- →Loan underwriting for NBFCs, banks and fintech lenders
- →Credit-card and BNPL eligibility
- →Collections risk segmentation
curl -X POST https://apisathi.in/gw/v1/credit-report-cibil-v1/ \
-H "X-API-Key: live_xxx" \
-H "Content-Type: application/json" \
-d '{ "pan": "EKRPR1234F", "mobile": "9988776655", "name": "Vishal Rathore", "consent": "Y", "otp": "534216" }'{
"verified": true,
"credit_score": "744",
"name": "VISHAL RATHORE",
"pan": "EKRPR1234F",
"credit_report": {
"score": {
"score": "744",
"scoreName": "CIBILTUSCORE"
}
}
}Response fields returned by the CIBIL Score API
| Field | Example |
|---|---|
| verified | true |
| credit_score | 744 |
| name | VISHAL RATHORE |
| pan | EKRPR1234F |
| credit_report.score | {"score":"744","scoreName":"CIBILTUSCORE"} |
Every field, error code and the full schema are in the CIBIL Score API reference.
Call the CIBIL Score API from Node.js or Python
const res = await fetch('https://apisathi.in/gw/v1/credit-report-cibil-v1/', {
method: 'POST',
headers: { 'X-API-Key': process.env.APISATHI_KEY, 'Content-Type': 'application/json' },
body: JSON.stringify({"pan":"EKRPR1234F","mobile":"9988776655","name":"Vishal Rathore","consent":"Y","otp":"534216"}),
});
const data = await res.json();import os, requests
res = requests.post(
"https://apisathi.in/gw/v1/credit-report-cibil-v1/",
headers={"X-API-Key": os.environ["APISATHI_KEY"]},
json={"pan":"EKRPR1234F","mobile":"9988776655","name":"Vishal Rathore","consent":"Y","otp":"534216"},
timeout=30,
)
data = res.json()CIBIL Score API pricing
- → From ₹125 per successful call + 18% GST
- → Prepaid wallet from ₹200; no monthly fee, no minimum volume
- → Failed or timed-out calls are not charged
- → Bonus credit on recharges of ₹1,000 and above; GST invoice on every recharge
Start in four steps
- Create a free account — about a minute.
- Call the CIBIL Score API with your TEST key in the sandbox, free.
- Recharge the wallet (UPI, card or netbanking) from ₹200.
- Switch to your LIVE key — the same key works for every API.
Frequently asked questions
Do I need the customer’s consent?
Yes. A credit pull needs the borrower’s explicit consent, which you must collect and keep as evidence before calling.
Do you have other bureaus?
Yes — Experian and CRIF reports are also available; see the Credit Report API.
How much does the CIBIL Score API cost?
The CIBIL Score API on API Sathi starts at ₹125 per successful call plus 18% GST, paid from a prepaid wallet. There is no monthly fee or minimum volume, and recharges of ₹1,000 or more earn bonus credit. Live prices for every API are on the pricing page.
Can I test the CIBIL Score API for free?
Yes. Every account gets a TEST key that calls the CIBIL Score API in the sandbox at no cost and returns realistic sample responses, so you can finish your integration before adding money to the wallet.
Am I charged if a CIBIL Score API call fails?
No. You pay only for successful calls. If the source is unavailable, times out or rejects the request, the amount held for that call is released straight back to your wallet.
How do I get a CIBIL Score API key?
Sign up at apisathi.in — it takes about a minute — and create a key under API Keys. Use the TEST key in the sandbox, then recharge from ₹200 and switch to a LIVE key. The same key works for every API on API Sathi.
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Start using the CIBIL Score API today
Sign up, recharge a prepaid wallet and generate a key in minutes. Lowest price guaranteed, no volume commitment.