CIBIL Credit Report API reference

CIBIL Credit Report

Fetch a structured CIBIL credit report with consent.

Endpoint

POST https://api.finovel.in/v1/cibil-report

Charged only when the call succeeds. Errors are never charged. See how every API works for keys, retries and status codes.

Request fields

Field	Type	Required	Description
`mobile`	text	Yes	Mobile Number
`pan`	text	Yes	PAN Number
`name`	text	Yes	Full Name
`gender`	select	No	Gender One of: male, female.
`consent`	checkbox	Yes	Consent

Example request

curl -X POST https://api.finovel.in/v1/cibil-report \
  -H "Authorization: Bearer fin_test_your_key" \
  -H "Content-Type: application/json" \
  -d '{"mobile":"9876543210","pan":"ABCDE1234F","name":"Rahul Sharma","gender":"male","consent":"Y"}'

Response fields

Inside data:

Field	Description
`credit_score`	Credit score
`name`	Name
`report_date`	Report date

Example response from the sandbox

{
  "request_id": "req_...",
  "success": true,
  "status": "success",
  "environment": "sandbox",
  "message": "OK",
  "data": {
    "name": "RAHUL SHARMA",
    "report_date": "2026-04-12",
    "credit_score": 760
  },
  "error": null,
  "charged_paise": 0
}

Sandbox scenarios

With a test key, this API can return:

Success (default)
Not found (contains 0000)
Provider error (contains 9999)