CIBIL Score API for Credit and Loan Platforms
Retrieve verified CIBIL reports and credit scores instantly via API – built for lenders, NBFCs, credit apps, and financial institutions in India.
Our Civil Score API provides a safe and intelligent solution to access real-time credit data, risk profiling, and identity verification to make Indian businesses accurate, obedient, and scalable decisions. Whether you are running a loan platform, screening tenants, reducing insurance policies, or verifying job applicants, our API integrates financial intelligence in your workflow.
Supported by machine learning and collected financial insights, the API eliminates the estimate by providing creditworthiness scoring, identification authentication, and risk prediction in an integrated platform.
Accurate & Reliable
Access accurate and reliable data from multiple trusted sources for comprehensive assessments.
Fast & Efficient
Get instant results with our real-time processing capabilities for quick decision-making.
Secure & Compliant
Ensure data security and compliance with industry standards and regulations.
Our Civil Score API is designed to deliver powerful credit and risk evaluation functionality with end-to-end security and high performance.
Comprehensive Credit Assessment
Gain access to credit history, repayment behavior, defaults, and financial ratios for precise evaluation of personal or business creditworthiness.
Multi-Faceted Identity Verification
Validate identity using multiple data points including PAN, Aadhaar, mobile number, address history, and biometrics to prevent fraud and fulfill KYC norms.
AI-Powered Risk Assessment
Leverage predictive models to evaluate risk profiles, detect anomalies, and forecast credit defaults—ideal for NBFCs, banks, and BNPL apps.
Custom Scoring Parameters
Define your own scoring weights based on sector or use-case: adjust for credit line type, industry, or transaction history relevance.
Real-time Decision Engine
Enable faster approvals and automation in workflows by integrating real-time decision logic into your loan or underwriting systems.
Secure & Compliant
All data is protected by AES-level encryption and adheres to Indian and global data compliance standards including GDPR, UIDAI, and RBI KYC.
The Civil Score API can be seamlessly integrated into various industries and business processes, helping you assess risk, verify identity, and make informed decisions. Whether you're in finance, real estate, human resources, or insurance, the API delivers valuable insights to help mitigate risk and enhance your operations.
Financial Services (NBFCs, Loan Apps)
Evaluate borrower credibility before approving personal loans, business credit, EMI schemes, or credit cards with real-time Civil Score checks.
Real Estate & Tenant Screening
Run tenant credit and identity checks before leasing—helping property managers reduce rental defaults and fraudulent applications.
HR and Employment Verification
Verify candidate background, employment stability, and financial trustworthiness before hiring—ideal for sensitive or financial roles.
Insurance Underwriting
Assess policy risk using credit history and behavior scores to calculate premiums, detect high-risk profiles, or adjust policy terms.
Our API provides a comprehensive set of endpoints for credit assessment and identity verification.
| Endpoint Name | Description | Method | Path |
|---|---|---|---|
| Credit Score | Get a comprehensive credit score based on financial history and behavior. | GET | /api/v1/civil-score/credit |
| Identity Verification | Verify identity through multiple data points to prevent fraud. | POST | /api/v1/civil-score/identity |
| Background Check | Conduct a comprehensive background check including criminal history. | POST | /api/v1/civil-score/background |
| Employment Verification | Verify employment history and current employment status. | POST | /api/v1/civil-score/employment |
| Address Verification | Verify current and previous addresses for accuracy. | POST | /api/v1/civil-score/address |
Our RESTful API is designed for fast implementation and low code setup—compatible with web, mobile, or internal enterprise systems.
Documentation & SDKs
Full API reference with query examples and responses, SDKs for Java, Node.js, PHP, Python, and more , Webhook support for async reporting
SDKs for Popular Languages
Ready-to-use SDKs for popular programming languages to simplify integration.
Sandbox Environment
Test your use-case in a secure sandbox environment before deploying to production.
Dedicated Support
Our API specialists provide technical onboarding, debugging help, and post-launch optimization support.
Ready to Integrate Civil Score?
Contact SevenUnique Tech Solutions to bring real-time credit intelligence, verification, and risk scoring into your application. Make faster, smarter, and more compliant decisions.