Commercial Credit Report

Endpoint Overview

POST /api/v1/credit-report-commercial/fetch-report

Description

The Commercial Credit Report API enables businesses and financial institutions to fetch comprehensive credit bureau reports for commercial entities using their PAN (Permanent Account Number). The API integrates with Equifax's Commercial Credit Report (CCR) system to retrieve detailed credit profiles including scores, facility summaries, delinquency records, derogatory information, and enquiry history.

This endpoint returns structured credit intelligence covering a business's borrowing history as both a borrower and guarantor, historical DPD (Days Past Due) data across financial years, lender-wise exposure details, and associated relationship/guarantor information — all in a single API call.

Key Benefits

Comprehensive Credit Intelligence: Retrieve a full 48-month credit history including DPD buckets, overdue amounts, and asset classifications in a single API call.

Equifax ERS 4.0 Score: Get the official Equifax Risk Score (ERS 4.0) for accurate commercial creditworthiness assessment.

Granular Facility-Level Data: Access individual credit facility details including sanctioned amounts, current balances, repayment frequency, and guarantor information.

Sandbox & Production Support: Test integrations in a fully simulated sandbox environment before going live, with mock report type for development.

Use Cases

Banking & Lending

NBFCs & Fintech

Insurance & Trade Finance

Pre-disbursement credit appraisal for SME and corporate loan applications

Ongoing portfolio monitoring for existing commercial borrowers

Guarantor and related-entity risk assessment before loan sanctioning

Credit limit reviews and facility renewals based on updated DPD data

Technical Implementation

Authentication

All API requests require authentication using a JWT Bearer token. Authentication follows these steps:

Obtain API Credentials: Register with Surepass to receive your API key.

Generate JWT Token: Use your API key to generate a JWT token.

Include in Requests: Add the token to the Authorization header as Bearer <YOUR_JWT_TOKEN>.

Different base URLs and authentication tokens are used for sandbox and production environments:

Sandbox: https://sandbox.surepass.app

Production: https://kyc-api.surepass.app

⚠️ Never share or expose your JWT token in client-side code or public repositories.

Request Parameters

Request Headers

Header	Required	Description
`Authorization`	Yes	Bearer token. Format: `Bearer <JWT_TOKEN>`
`Content-Type`	Yes	Must be `application/json`

Request Body

Parameter	Type	Required	Description
`business_name`	String	Yes	The registered legal name of the business entity (e.g., `"ABC PRIVATE LIMITED"`)
`pan`	String	Yes	The PAN (Permanent Account Number) of the business entity. Must follow the format: 5 uppercase letters + 4 digits + 1 uppercase letter (e.g., `"ABCCP1234L"`)
`report_type`	String	Yes	Determines the type of report to fetch. Accepted values: `json` (live bureau report), `mock` (simulated response for testing)
`consent`	String	Yes	Indicates user/entity consent for fetching the credit report. Must be `"Y"` to proceed

Example Request

{
    "business_name": "ABC PRIVATE LIMITED",
    "pan": "ABCCP1234L",
    "report_type": "json",
    "consent": "Y"
}

Process Response

Response Parameters

Top-Level Response

Parameter	Type	Description
`status_code`	Integer	HTTP status code of the response (e.g., `200` for success)
`success`	Boolean	`true` if the request was processed successfully
`message`	String	Human-readable status message (e.g., `"Success"`)
`message_code`	String	Machine-readable status code (e.g., `"success"`)
`data`	Object	Root object containing all credit report data

`data` Object

Parameter	Type	Description
`client_id`	String	Unique transaction identifier generated by Surepass for this request (e.g., `"credit_report_commercial_xlLNOwpzlpAzYPckdnsz"`)
`pan`	String	PAN of the queried business entity
`business_name`	String	Name of the business entity as provided in the request
`credit_score`	Array	List of credit score objects returned from the bureau
`credit_report`	Object	Full raw credit report from the Equifax bureau

`credit_score[]` Object

Parameter	Type	Description
`score_name`	String	Name of the credit scoring model (e.g., `"ERS 4.0 (retail)"`)
`score_entity`	String	Name of the entity for which the score was generated
`relationship`	String	Relationship type of the scored entity (e.g., `"Individual Relation Others"`)
`credit_score`	String	Numeric credit score value as a string (e.g., `"852"`)

`credit_report` Object

Parameter	Type	Description
`Status`	String	Bureau response status code (`"1"` indicates a successful hit)
`hit_as_borrower`	String	Number of credit hits found as a borrower (e.g., `"11"`)
`hit_as_guarantor`	String	Number of credit hits found as a guarantor (e.g., `"00"`)
`InquiryResponseHeader`	Object	Metadata about the bureau inquiry transaction
`CommercialBureauResponseDetails`	Object	Core body of the commercial credit report
`CCRHitDetailsLst`	Array	List of entity names matched in the bureau query along with hit flags

`InquiryResponseHeader` Object

Parameter	Type	Description
`ClientID`	String	Surepass client ID used for the bureau query
`CustRefField`	String	Customer reference field echoed from the request
`ReportOrderNO`	String	Unique report order number assigned by the bureau
`TranID`	String	Transaction ID for this bureau query
`ProductCode`	Array	List of product codes used (e.g., `["CCR"]`)
`SuccessCode`	String	Bureau success code (`"1"` = success)
`Date`	String	Date of the bureau inquiry (format: `YYYY-MM-DD`)
`Time`	String	Time of the bureau inquiry (format: `HH:MM:SS`)

`CommercialBureauResponseDetails` Object

Parameter	Type	Description
`IDAndContactInfo`	Object	Identity, address, and contact information for the business
`CommercialCIRSummary`	Object	Comprehensive summary of the Commercial Information Report (CIR)
`CreditFacilityDetails`	Array	List of individual credit facilities with full account-level details
`RelationshipDetails`	Array	Details of individuals/entities related to the business (e.g., proprietors, directors)
`EnquirySummary`	Object	Summary of bureau enquiries made on the entity
`RecentEnquiries`	Array	List of recent enquiry records with institution name, date, and time
`GurantorCFSummary`	Object	Summary of credit facilities where the entity appears as a guarantor

`IDAndContactInfo` Object

Parameter	Type	Description
`CommercialPersonalInfo`	Object	Business profile details including name, legal constitution, category, industry, date of incorporation, and sales figures
`CommercialIdentityInfo`	Object	PAN ID, DUNS number, and CIN details of the business
`CommercialAddressInfo`	Array	List of registered and operating addresses with state, city, postal code, and country
`CommercialPhoneInfo`	Array	List of phone numbers associated with the business

`CommercialPersonalInfo` Object

Parameter	Type	Description
`BusinessName`	String	Registered legal name of the business
`BusinessShortName`	String	Short/abbreviated business name
`BusinessLegalConstitution`	String	Legal structure (e.g., `"Proprietorship"`, `"Private Limited"`)
`BusinessCategory`	String	Business size category (e.g., `"Large"`, `"Medium"`)
`BusinessIndustryType`	String	Industry classification (e.g., `"Distribution"`)
`DateIncorporation`	String	Date of incorporation (format: `YYYY-MM-DD`)
`SalesFigure`	String	Reported sales figure
`ClassActivity`	String	Business activity classification code
`EmployeeCount`	String	Number of employees reported
`roc_BusinessLegalConstitution`	Boolean	ROC flag for legal constitution
`roc_ClassActivity`	Boolean	ROC flag for class of activity

`CommercialCIRSummary` Object

Parameter	Type	Description
`CommercialHeaderDetails`	Object	CIR report metadata including member name and last update date
`SeverityGrid`	Object	Year-wise severity indicators across overdue, DPD, and derogatory flags
`EquifaxScoresCommercial`	Object	Equifax commercial credit score details
`OverallCreditSummary`	Object	Aggregate credit summary as borrower and guarantor, broken down by financial year
`OpenCreditFacilitySummary`	Object	Summary of all currently open credit facilities by lender type
`DelinquencySummary`	Object	Delinquency details by lender type for borrower, guarantor, and related entities
`DerogSummary`	Object	Derogatory instances (suit filed, write-offs, dishonoured cheques, etc.) by lender
`CreditTypeSummary`	Object	Credit facility counts and amounts bucketed by DPD classification and member type

`SeverityGrid` – `SeverityGridDetailsMap` (per financial year)

Parameter	Type	Description
`Overdue_GreaterThan_0`	Boolean	Whether any overdue amount > 0 existed in that FY
`DPD_1_90`	Boolean	Whether DPD between 1–90 days was recorded
`SubStd_Restr_DBT_Loss_NPA_90PLUS`	Boolean	Whether Sub-Standard, Restructured, Doubtful, Loss or NPA status (90+ DPD) existed
`Invoked_Devolved_Dishonoured_Coff_Settled_Suitfiled`	Boolean	Whether any derogatory event (invoked, devolved, dishonoured, written-off, settled, suit filed) occurred

`OverallCreditSummary` – `AsBorrower` (per financial year)

Parameter	Type	Description
`CF_Count`	Integer	Total number of credit facilities in that FY
`OpenCF_Count`	Integer	Number of open credit facilities
`ClosedTermLoans_Count`	Integer	Number of closed term loans
`Lenders_Count`	Integer	Number of distinct lenders
`SanctionedAmtOpenCF_Sum`	Integer	Total sanctioned amount across open credit facilities
`CurrentBalanceOpenCF_Sum`	Integer	Total current outstanding balance across open facilities
`OverdueCF_Count`	Integer	Number of credit facilities currently overdue
`OverdueCFInFY_Count`	Integer	Number of facilities that were overdue at any point in the FY
`MonthsOverdue_Count`	Integer	Total months with overdue status
`OverdueAmt_Sum`	Integer	Total overdue amount across all facilities
`HighestOverdueAmt`	Integer	Single highest overdue amount recorded
`CF_1_30_31_60_61_90_DPD_Count`	Integer	Count of facilities with 1–90 DPD
`Months_1_30_31_60_61_90_DPD_Count`	Integer	Total months with 1–90 DPD
`CF_90_180_180PLUS_DPD_SRDL_Count`	Integer	Count of facilities with 90+ DPD or SRDL classification
`Months_90_180_180PLUS_DPD_SRDL_Count`	Integer	Total months with 90+ DPD
`HighestOverdueAmt_90_180_180PLUS_DPD_SRDL`	Integer	Highest overdue amount in 90+ DPD bucket
`CF_Wilful_Invoked_Devolved_DC_COff_Settled_Count`	Integer	Count of facilities with derogatory classification
`ZeroBalanceCF_Count`	Integer	Count of facilities with zero current balance

`OpenCreditFacilitySummary` – per lender type

Parameter	Type	Description
`OpenCF_Count`	Integer	Number of open credit facilities from this lender type
`OverdueCF_Count`	Integer	Number of overdue facilities from this lender type
`SanctionedAmount_Sum`	Integer	Total sanctioned amount from this lender type
`CurrentBalance_Sum`	Integer	Total current outstanding from this lender type
`OverdueAmount_Sum`	Integer	Total overdue amount from this lender type
`CF_Opened_Lst_12_Months_Count`	Integer	Facilities opened in the last 12 months
`CF_Opened_Lst_12To48_Months_Count`	Integer	Facilities opened 12–48 months ago

`DelinquencySummary` – per lender entry

Parameter	Type	Description
`CF_Type`	String	Credit facility type (e.g., `"TL"` = Term Loan, `"WC"` = Working Capital)
`CurrentOverdueBucket`	String	Current DPD bucket of the facility (e.g., `"DPD1–30"`)
`CurrentAccountClassification`	String	Current NPA/asset classification (e.g., `"STD"`, `"LOS"`, `"Others"`)
`MostRecentDelinquencyDate`	String	Most recent date of delinquency (format: `YYYY-MM-DD`)
`EarliestDelinquencyDate_Lst_48_Mths`	String	Earliest delinquency date in last 48 months
`Delinquent_Count`	Integer	Total count of delinquent months
`MostSevere_DPD_AssetClass_Lst_48_Mths`	String	Worst DPD bucket and asset classification in last 48 months
`MaxConsecutive_OverduePeriod_In_Mths`	String	Maximum consecutive months in overdue status
`HighestOverdue_Amt_Lst_48_Mths`	Integer	Highest overdue amount recorded in last 48 months
`CurrentOverdue_Amt`	Integer	Current outstanding overdue amount
`ARC_Instance`	String	Asset Reconstruction Company flag (`"Y"` / `"N"`)
`SequenceNo`	String	Sequence number linking to the credit facility record

`DerogSummary` – per lender entry

Parameter	Type	Description
`Sanctioned_Amt`	Integer	Sanctioned amount for the flagged facility
`WilfulDefaults_Instance`	String	Wilful default flag (`"Y"` / `"N"`)
`Suitfiled_Instance`	String	Suit filed flag (`"Y"` / `"N"`)
`WriteOffs_Settled_Instance`	String	Write-off or settlement flag (`"Y"` / `"N"`)
`Invoked_Devolved_Instance`	String	Invoked/devolved guarantee flag (`"Y"` / `"N"`)
`DishonoredCheque_Instance`	String	Dishonoured cheque flag (`"Y"` / `"N"`)
`SequenceNo`	String	Sequence number linking to the credit facility record

`CreditFacilityDetails[]` Object

Parameter	Type	Description
`account_number`	String	Masked account number of the credit facility
`institution`	String	Name of the lending institution (if available)
`sanctiondate_loanactivation`	String	Date the loan was sanctioned/activated (format: `YYYY-MM-DD`)
`sanctioned_amount_notional_amountofcontract`	String	Sanctioned or notional amount in INR
`currency_code`	String	Currency of the facility (e.g., `"INR"`)
`credit_type`	String	Type of credit facility (e.g., `"Commercial vehicle loan"`)
`tenure_weighted_avg_maturityperiod`	String	Weighted average tenure in months
`repayment_frequency`	String	Repayment schedule (e.g., `"Monthly"`, `"Half yearly"`)
`drawing_power`	String	Available drawing power on the account
`current_balance_limit_utilized_marktomarket`	String	Current outstanding balance or utilized limit
`loan_expiry_maturity_date`	String	Loan maturity date (format: `YYYY-MM-DD`)
`assetclassification_dayspastdue`	String	Current asset classification and DPD (e.g., `"0 dpd"`)
`amount_overdue_limit_overdue`	String	Current overdue amount
`overduebucket01_1_30`	String	Overdue amount in the 1–30 DPD bucket
`installment_amount`	String	EMI / instalment amount
`account_status`	String	Current account status (`"Open"` / `"Closed"`)
`account_status_dt`	String	Date from which current status applies
`wilful_default_status`	String	Wilful defaulter flag description
`suit_filed_status`	String	Suit filed status description
`dt_reported_lst`	String	Date the account was last reported to the bureau
`credit_type_group`	String	High-level credit category (`"TL"` = Term Loan, `"WC"` = Working Capital)
`member_type`	String	Whether lender is `"On-Member"` or `"Off-Member"` of the bureau
`sector_type`	String	Lender sector classification (e.g., `"NBFC-1"`, `"Pvt Bank"`)
`member_branch_cd`	String	Branch code of the reporting member
`accountSeqNo`	String	Unique sequence identifier for this account in the report
`History48Months`	Array	Month-by-month credit history records for the past 48 months
`GuarantorDetails`	Array	Details of guarantors associated with this credit facility
`account_status_code`	String	Numeric code representing account status

`History48Months[]` Object (per month record)

Parameter	Type	Description
`yyyymm`	String	Year-month of the record (format: `YYYY-MM`)
`account_number`	String	Masked account number
`current_balance_limit_utilized_marktomarket`	String	Outstanding balance as of that month
`assetclassification_dayspastdue`	String	Asset classification and DPD for that month
`amount_overdue_limit_overdue`	String	Overdue amount for that month
`account_status`	String	Account status code for that month (e.g., `"OPN"`)
`wilful_default_status`	String	Wilful defaulter status for that month
`suit_filed_status`	String	Suit filed status for that month
`dt_reported_lst`	String	Date reported to bureau for that month
`sanctiondate_loanactivation`	String	Loan sanction/activation date
`sanctioned_amount_notional_amountofcontract`	String	Sanctioned amount
`currency_code`	String	Currency code
`credit_type`	String	Credit facility type
`tenure_weighted_avg_maturityperiod`	String	Tenure in months
`repayment_frequency`	String	Repayment frequency
`drawing_power`	String	Drawing power
`loan_expiry_maturity_date`	String	Maturity date
`overduebucket01_1_30`	String	Overdue amount in 1–30 DPD bucket
`installment_amount`	String	EMI amount
`account_status_dt`	String	Date of account status
`overduebucket`	String	DPD bucket classification for that month (e.g., `"DPD 0"`, `"DPD 1-30"`)

`GuarantorDetails[]` Object

Parameter	Type	Description
`dt_reported_lst`	String	Date this guarantor record was last reported
`Type`	String	Guarantor entity type (e.g., `"Resident Indian Individual"`)
`full_name`	String	Full name of the guarantor
`Gender`	String	Gender of the guarantor
`Dob`	String	Date of birth (format: `YYYY-MM-DD`)
`Business_category`	String	Business category of the guarantor
`Business_industry_type`	String	Industry type of the guarantor
`IdentityInfo`	Object	Identity documents including PAN, Voter ID, Passport, DL, CIN, etc.
`CommercialAddressInfo`	Array	Address details of the guarantor
`PhoneInfo`	Array	Contact phone numbers of the guarantor

`RelationshipDetails[]` Object

Parameter	Type	Description
`dt_reported_lst`	String	Date the relationship was last reported
`Type`	String	Type of related person (e.g., `"Resident Indian Individual"`)
`full_name`	String	Full name of the related individual
`Relationship`	String	Role/relationship to the business (e.g., `"Proprietor"`)
`Gender`	String	Gender of the individual
`Dob`	String	Date of birth (format: `YYYY-MM-DD`)
`IdentityInfo`	Object	Identity document details (PAN, Voter ID, Passport, DL, etc.)
`CommercialAddressInfo`	Array	Address details of the related individual
`PhoneInfo`	Array	Contact phone numbers

`EnquirySummary` Object

Parameter	Type	Description
`Purpose`	String	Purpose filter for the enquiry summary (e.g., `"ALL"`)
`Total`	String	Total number of enquiries on record
`Past30Days`	String	Enquiries made in the past 30 days
`Past12Months`	String	Enquiries made in the past 12 months
`Past24Months`	String	Enquiries made in the past 24 months

`RecentEnquiries[]` Object

Parameter	Type	Description
`seq`	String	Sequence number of the enquiry
`Institution`	String	Name of the institution that made the enquiry
`Date`	String	Date of enquiry (format: `YYYY-MM-DD`)
`Time`	String	Time of enquiry (format: `HH:MM`)

`CCRHitDetailsLst[]` Object

Parameter	Type	Description
`Name`	String	Name of the matched entity or individual
`Commercial_Hit`	String	Whether a commercial credit hit was found (`"Y"` / `"N"`)
`RTL_Hit`	String	Whether a retail credit hit was found (`"Y"` / `"N"`)
`MFI_Hit`	String	Whether a microfinance institution hit was found (`"Y"` / `"N"`)

Example Successful Response

{
    "data": {
        "client_id": "credit_report_commercial_xlLNOwpzlpAzYPckdnsz",
        "pan": "ABCCP1234L",
        "business_name": "ABC PRIVATE LIMITED",
        "credit_score": [
            {
                "score_name": "ERS 4.0 (retail)",
                "score_entity": "DUMMY COMPANY NAME",
                "relationship": "Individual Relation Others",
                "credit_score": "852"
            }
        ],
        "credit_report": {
            "Status": "1",
            "hit_as_borrower": "11",
            "hit_as_guarantor": "00",
            "InquiryResponseHeader": {
                "ClientID": "007AB12345",
                "CustRefField": "credit_report_commercial_yEJmLIPgFsehPpxbfljj",
                "ReportOrderNO": "2400000000",
                "TranID": "2400000000",
                "ProductCode": ["CCR"],
                "SuccessCode": "1",
                "Date": "2026-02-20",
                "Time": "17:58:26"
            },
            "CommercialBureauResponseDetails": {
                "IDAndContactInfo": { "..." : "..." },
                "CommercialCIRSummary": { "..." : "..." },
                "CreditFacilityDetails": [],
                "RelationshipDetails": [],
                "EnquirySummary": {
                    "Purpose": "ALL",
                    "Total": "3",
                    "Past30Days": "3",
                    "Past12Months": "3",
                    "Past24Months": "3"
                },
                "RecentEnquiries": [
                    {
                        "seq": "0",
                        "Institution": "Hindu Finance",
                        "Date": "2025-06-29",
                        "Time": "09:52"
                    }
                ],
                "GurantorCFSummary": {}
            },
            "CCRHitDetailsLst": [
                {
                    "Name": "GURURAM LOGISTICS",
                    "Commercial_Hit": "Y"
                },
                {
                    "Name": "R KAVITHA",
                    "RTL_Hit": "N",
                    "MFI_Hit": "N"
                }
            ]
        }
    },
    "status_code": 200,
    "success": true,
    "message": "Success",
    "message_code": "success"
}

Possible Error Responses

Unauthorized (401)

Consent Not Given (400)

Invalid PAN (400)

No Record Found (200)

{
    "status_code": 401,
    "success": false,
    "message": "Unauthorized. Invalid or expired token.",
    "message_code": "unauthorized"
}

Returned when the JWT Bearer token is missing, malformed, or expired. Regenerate a valid token and retry.

Integration Best Practices

Security Recommendations

Protect JWT Tokens: Store API tokens in server-side environment variables or a secrets manager (e.g., AWS Secrets Manager, HashiCorp Vault). Never expose tokens in client-side code or version control.

Use HTTPS Only: Always communicate over TLS/HTTPS. Never make requests over plain HTTP, especially for PAN and business identity data.

Validate PAN Before Calling: Pre-validate PAN format using a regex ([A-Z]{5}[0-9]{4}[A-Z]{1}) before making API calls to avoid unnecessary failed requests.

Audit and Log Access: Maintain detailed server-side logs of all credit report fetches including timestamp, requesting user/system, and client_id returned — for regulatory audit trails.

Consent Documentation: Record and store evidence of entity/user consent (timestamp, method of consent) before invoking the API, in compliance with RBI and data protection guidelines.

User Experience Guidelines

Use mock in Development: Always use "report_type": "mock" during development and QA to avoid consuming live bureau credits and to get predictable responses for UI testing.

Handle null Fields Gracefully: Many fields in CreditFacilityDetails and summary objects may be absent for entities with limited credit history. Implement null checks in your parsing logic.

Display Severity Grid Clearly: The SeverityGrid is a high-value signal for lenders — render it as a visual year-over-year traffic-light grid in your UI for quick decision-making.

Surface the ERS Score Prominently: The Equifax ERS 4.0 score from credit_score[] is the primary creditworthiness indicator. Display it at the top of your credit report UI with appropriate context.

Rate Limit Handling: Implement exponential backoff for retry logic in case of transient failures (e.g., 500 or 503 responses) to avoid bursting API rate limits.

Code Samples

cURL

Python

Node.js

Related APIs

Retail Credit Report API – Fetch individual consumer credit reports using Aadhaar or PAN for personal loan underwriting.

PAN Verification API – Validate PAN authenticity and fetch associated business/individual details before initiating a credit report pull.

GST Verification API – Cross-verify business identity and financial activity using GSTIN, complementing the commercial credit report.

Business Registration Verification API – Verify MCA/ROC registration details for companies and LLPs before credit assessment.

Compliance and Legal Considerations

Consent Mandate: Fetching a commercial credit report requires explicit written or digital consent from the business entity or its authorized representative. Store consent records with timestamps for audit purposes.

Data Residency: All credit data must be stored and processed within India in compliance with RBI guidelines on data localization.

Purpose Limitation: Credit report data must only be used for the purpose for which consent was obtained (e.g., loan appraisal). Repurposing the data for marketing or unrelated analytics is prohibited.

Bureau Member Obligations: Access to Equifax CCR data is governed by Equifax's data usage policy and your bureau membership/API agreement. Ensure your use case is covered under your agreement.

PAN Data Handling: PAN is classified as sensitive personal/business information under applicable Indian data protection regulations. Mask or encrypt PAN values in logs and databases.

Provide your bearer token in the

Authorization

header when making requests to protected resources.

Example:

Authorization: Bearer ********************

curl --location 'https://kyc-api.surepass.app/api/v1/credit-report-commercial/fetch-report' \ --header 'Authorization: Bearer <token>' \ --header 'Content-Type: application/json' \ --data '{ "business_name": "ABC PRIVATE LIMITED", "pan": "ABCCP1234L", "report_type": "json", "consent": "Y" }'

{ "data": { "client_id": "credit_report_commercial_xlLNOwpzlpAzYPckdnsz", "pan": "ABCCP1234L", "business_name": "ABC PRIVATE LIMITED", "credit_score": [ { "score_name": "ERS 4.0 (retail)", "score_entity": "DUMMY COMPANY NAME", "relationship": "Individual Relation Others", "credit_score": "852" } ], "credit_report": { "Status": "1", "hit_as_borrower": "11", "hit_as_guarantor": "00", "InquiryResponseHeader": { "ClientID": "007AB12345", "CustRefField": "credit_report_commercial_yEJmLIPgFsehPpxbfljj", "ReportOrderNO": "2400000000", "TranID": "2400000000", "ProductCode": [ "CCR" ], "SuccessCode": "1", "Date": "2026-02-20", "Time": "17:58:26" }, "CommercialBureauResponseDetails": { "IDAndContactInfo": { "CommercialPersonalInfo": { "BusinessName": "MOCK COMPANY NAME", "BusinessShortName": "MOCKCOMPANY", "BusinessLegalConstitution": "Proprietorship", "BusinessCategory": "Large", "BusinessIndustryType": "Distribution", "DateIncorporation": "2017-07-01", "SalesFigure": "0", "ClassActivity": "60204", "EmployeeCount": "0", "roc_BusinessLegalConstitution": false, "roc_ClassActivity": false }, "CommercialIdentityInfo": { "PANId": [ { "IdNumber": "ABCPM1234D" } ], "roc_CIN": false, "Dunsnbr": [ { "seq": "1", "IdNumber": "999999999" } ] }, "CommercialAddressInfo": [ { "Seq": "0", "ReportedDate": "2026-02-15", "Address": "SHOWROOM", "State": "Goa", "Postal": "000370", "Type": "Registered Office", "City": "CHENNAI", "Country": "India" }, { "Seq": "1", "Address": "10TH CROSS ST 4TH MAIN ROAD NEAR VR7 CAR SHOWROOM CHENNAI", "State": "Goa", "Postal": "000370", "City": "CHENNAI", "Country": "India" } ], "CommercialPhoneInfo": [ { "typeCode": "M", "Number": "9876543210" }, { "typeCode": "M", "Number": "9876549898" } ] }, "CommercialCIRSummary": { "CommercialHeaderDetails": { "member_name": "MOCK PRIVATE LIMITED", "last_updated_on": "15-02-2026" }, "SeverityGrid": { "SeverityGridDetailsMap": { "2023-2024": { "Overdue_GreaterThan_0": true, "DPD_1_90": true, "SubStd_Restr_DBT_Loss_NPA_90PLUS": true, "Invoked_Devolved_Dishonoured_Coff_Settled_Suitfiled": true }, "2024-2025": { "Overdue_GreaterThan_0": true, "DPD_1_90": true, "SubStd_Restr_DBT_Loss_NPA_90PLUS": true, "Invoked_Devolved_Dishonoured_Coff_Settled_Suitfiled": true }, "2025-2026": { "Overdue_GreaterThan_0": true, "DPD_1_90": true, "SubStd_Restr_DBT_Loss_NPA_90PLUS": true, "Invoked_Devolved_Dishonoured_Coff_Settled_Suitfiled": true } } }, "EquifaxScoresCommercial": { "CommercialScoreDetailsLst": [ { "ScoreName": "ERS 4.0 (retail)", "ScoredEntity": "DUMMY COMPANY NAME", "Relationship": "Individual Relation Others", "ScoreValue": "852" } ] }, "OverallCreditSummary": { "AsBorrower": { "2023-2024": { "CF_Count": 19, "OpenCF_Count": 18, "ClosedTermLoans_Count": 1, "Lenders_Count": 6, "SanctionedAmtOpenCF_Sum": 43676734, "CurrentBalanceOpenCF_Sum": 18941361, "OverdueCF_Count": 3, "OverdueCFInFY_Count": 8, "MonthsOverdue_Count": 12, "OverdueAmt_Sum": 8300343, "HighestOverdueAmt": 8257563, "CF_1_30_31_60_61_90_DPD_Count": 5, "Months_1_30_31_60_61_90_DPD_Count": 3, "CF_90_180_180PLUS_DPD_SRDL_Count": 1, "Months_90_180_180PLUS_DPD_SRDL_Count": 12, "HighestOverdueAmt_90_180_180PLUS_DPD_SRDL": 8257563, "CF_Wilful_Invoked_Devolved_DC_COff_Settled_Count": 2, "ZeroBalanceCF_Count": 6 }, "2024-2025": { "CF_Count": 37, "OpenCF_Count": 21, "ClosedTermLoans_Count": 15, "Lenders_Count": 11, "SanctionedAmtOpenCF_Sum": 55452788, "CurrentBalanceOpenCF_Sum": 50027150, "OverdueCF_Count": 3, "OverdueCFInFY_Count": 6, "MonthsOverdue_Count": 12, "OverdueAmt_Sum": 9736228, "HighestOverdueAmt": 9601072, "CF_1_30_31_60_61_90_DPD_Count": 4, "Months_1_30_31_60_61_90_DPD_Count": 5, "CF_90_180_180PLUS_DPD_SRDL_Count": 1, "Months_90_180_180PLUS_DPD_SRDL_Count": 12, "HighestOverdueAmt_90_180_180PLUS_DPD_SRDL": 9601072, "CF_Wilful_Invoked_Devolved_DC_COff_Settled_Count": 1 }, "2025-2026": { "CF_Count": 37, "OpenCF_Count": 16, "ClosedTermLoans_Count": 19, "Lenders_Count": 11, "SanctionedAmtOpenCF_Sum": 43047143, "CurrentBalanceOpenCF_Sum": 30988006, "OverdueCF_Count": 2, "OverdueCFInFY_Count": 8, "MonthsOverdue_Count": 6, "OverdueAmt_Sum": 9723464, "HighestOverdueAmt": 8223465, "CF_1_30_31_60_61_90_DPD_Count": 9, "Months_1_30_31_60_61_90_DPD_Count": 10, "CF_90_180_180PLUS_DPD_SRDL_Count": 1, "Months_90_180_180PLUS_DPD_SRDL_Count": 3, "HighestOverdueAmt_90_180_180PLUS_DPD_SRDL": 8223465, "CF_Wilful_Invoked_Devolved_DC_COff_Settled_Count": 4 } }, "AsGuarantor": { "2023-2024": {}, "2024-2025": {}, "2025-2026": {} } }, "OpenCreditFacilitySummary": { "AsBorrower": { "On-Member": { "OpenCF_Count": 2, "OverdueCF_Count": 2, "SanctionedAmount_Sum": 4900000, "CurrentBalance_Sum": 3383584, "OverdueAmount_Sum": 0, "CF_Opened_Lst_12To48_Months_Count": 2 }, "Off-Member NBFC": { "OpenCF_Count": 9, "OverdueCF_Count": 4, "SanctionedAmount_Sum": 27967143, "CurrentBalance_Sum": 20791957, "OverdueAmount_Sum": 1499999, "CF_Opened_Lst_12_Months_Count": 2, "CF_Opened_Lst_12To48_Months_Count": 7 }, "Off-Member Pvt Bank": { "OpenCF_Count": 5, "SanctionedAmount_Sum": 10180000, "CurrentBalance_Sum": 6812465, "OverdueAmount_Sum": 0, "CF_Opened_Lst_12To48_Months_Count": 5 }, "Off-Member PSU Bank": { "OverdueCF_Count": 1 } }, "AsGuarantor": {} }, "DelinquencySummary": { "AsBorrower": { "Off-Member NBFC-1": [ { "CF_Type": "WC", "CurrentOverdueBucket": "DPD1–30", "CurrentAccountClassification": "Others", "MaxConsecutive_OverduePeriod_In_Mths": "0", "CurrentOverdue_Amt": 1499999, "ARC_Instance": "N", "SequenceNo": "12B" } ], "Off-Member NBFC-2": [ { "CF_Type": "TL", "CurrentOverdueBucket": "DPD1–30", "CurrentAccountClassification": "STD", "MostRecentDelinquencyDate": "2025-04-15", "EarliestDelinquencyDate_Lst_48_Mths": "2025-04-15", "Delinquent_Count": 1, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/STD", "MaxConsecutive_OverduePeriod_In_Mths": "1", "HighestOverdue_Amt_Lst_48_Mths": 80203, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "10B" } ], "Off-Member NBFC-4": [ { "CF_Type": "TL", "CurrentOverdueBucket": "DPD1–30", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2025-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2024-06-30", "Delinquent_Count": 9, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "6", "HighestOverdue_Amt_Lst_48_Mths": 0, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "15B" } ], "Off-Member PSU Bank-1": [ { "CF_Type": "Others", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2025-05-22", "EarliestDelinquencyDate_Lst_48_Mths": "2022-02-28", "Delinquent_Count": 40, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD>180/LOS", "MaxConsecutive_OverduePeriod_In_Mths": "40", "HighestOverdue_Amt_Lst_48_Mths": 9601072, "CurrentOverdue_Amt": 8223465, "ARC_Instance": "N", "SequenceNo": "21B" } ], "Off-Member Pvt Bank-1": [ { "CF_Type": "Others", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2025-08-15", "EarliestDelinquencyDate_Lst_48_Mths": "2025-04-15", "Delinquent_Count": 3, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "1", "HighestOverdue_Amt_Lst_48_Mths": 100412, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "6B" } ], "Off-Member Pvt Bank-4": [ { "CF_Type": "Others", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2024-07-31", "EarliestDelinquencyDate_Lst_48_Mths": "2022-02-28", "Delinquent_Count": 22, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD-0/STD", "MaxConsecutive_OverduePeriod_In_Mths": "7", "HighestOverdue_Amt_Lst_48_Mths": 93713, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "22B" } ], "Off-Member Pvt Bank-5": [ { "CF_Type": "Others", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2023-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2022-02-28", "Delinquent_Count": 2, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "1", "HighestOverdue_Amt_Lst_48_Mths": 48436, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "24B" } ], "Off-Member Pvt Bank-6": [ { "CF_Type": "Others", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2023-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2023-06-30", "Delinquent_Count": 3, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "1", "HighestOverdue_Amt_Lst_48_Mths": 138641, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "29B" } ], "On-Member": [ { "CF_Type": "TL", "CurrentOverdueBucket": "DPD1–30", "CurrentAccountClassification": "STD", "MostRecentDelinquencyDate": "2025-03-15", "EarliestDelinquencyDate_Lst_48_Mths": "2024-11-15", "Delinquent_Count": 2, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "1", "HighestOverdue_Amt_Lst_48_Mths": 67578, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "13B" }, { "CF_Type": "TL", "CurrentOverdueBucket": "DPD1–30", "CurrentAccountClassification": "STD", "MostRecentDelinquencyDate": "2025-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2024-11-15", "Delinquent_Count": 7, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD1–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "4", "HighestOverdue_Amt_Lst_48_Mths": 67578, "CurrentOverdue_Amt": 0, "ARC_Instance": "N", "SequenceNo": "14B" } ] }, "AsGuarantor": {}, "ForGuarantorRelatedEntitiesIndividuals": { "Off-Member NBFC": [ { "Name": "RAM KUMAR VERMA", "Relationship_Type": "Individual Relation Others", "CurrentOverdueBucket": "DPD 0–30", "CurrentAccountClassification": "Others", "MostRecentDelinquencyDate": "2025-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2023-03-31", "Delinquent_Count": 34, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD 0–30/Others", "MaxConsecutive_OverduePeriod_In_Mths": "34", "HighestOverdue_Amt_Lst_48_Mths": 152, "CurrentOverdue_Amt": 152 } ], "Off-Member PSU Bank": [ { "Name": "GURU LOGISTICS", "Relationship_Type": "Entity Relation Others", "CF_Type": "WC", "CurrentOverdueBucket": "DPD-Others", "CurrentAccountClassification": "LOS", "MostRecentDelinquencyDate": "2025-12-31", "EarliestDelinquencyDate_Lst_48_Mths": "2022-02-28", "Delinquent_Count": 46, "MostSevere_DPD_AssetClass_Lst_48_Mths": "DPD-Others/LOS", "MaxConsecutive_OverduePeriod_In_Mths": "41", "HighestOverdue_Amt_Lst_48_Mths": 2498563, "CurrentOverdue_Amt": 2498563, "ARC_Instance": "N", "SequenceNo": "0" } ] } }, "DerogSummary": { "AsBorrower": { "Pvt Bank-1": [ { "Sanctioned_Amt": 4500000, "WilfulDefaults_Instance": "N", "Suitfiled_Instance": "N", "WriteOffs_Settled_Instance": "N", "Invoked_Devolved_Instance": "N", "DishonoredCheque_Instance": "Y", "SequenceNo": "6B" } ], "NBFC-4": [ { "Sanctioned_Amt": 9000000, "WilfulDefaults_Instance": "N", "Suitfiled_Instance": "N", "WriteOffs_Settled_Instance": "N", "Invoked_Devolved_Instance": "N", "DishonoredCheque_Instance": "Y", "SequenceNo": "15B" } ], "PSU Bank-1": [ { "Sanctioned_Amt": 2400000, "WilfulDefaults_Instance": "N", "Suitfiled_Instance": "Y", "WriteOffs_Settled_Instance": "Y", "Invoked_Devolved_Instance": "N", "DishonoredCheque_Instance": "N", "SequenceNo": "21B" } ] }, "ForGuarantorRelatedEntitiesIndividuals": { "PSU Bank": [ { "Name": "GURU LOGISTICS", "Relationship_Type": "Entity Relation Others", "Sanctioned_Amt": 2500000, "WilfulDefaults_Instance": "N", "Suitfiled_Instance": "Y", "WriteOffs_Settled_Instance": "N", "Invoked_Devolved_Instance": "N", "DishonoredCheque_Instance": "N" } ] } }, "CreditTypeSummary": { "AsBorrowerOnMember": { "STD": { "DPD 0": {}, "DPD 1-30": { "TL_CFCount": 2, "Total_CFCount": 2, "TL_Amt": 3383584, "Total_Amt": 3383584 }, "DPD 31-60": {}, "DPD 61-90": {}, "SMA 0": {}, "SMA 1": {}, "SMA 2": {}, "OVERDUE": {} }, "NONSTD": { "DPD 91-180": {}, "DPD > 180": {}, "SUB": {}, "RES": {}, "NPA": {}, "DBT": {}, "LOSS": {} }, "CLOSED": { "CLOSED": {} }, "OTHERS": { "OTHERS": {} } }, "AsBorrowerOffMember": { "STD": { "DPD 0": { "WC_CFCount": 1, "TL_CFCount": 9, "Total_CFCount": 10, "WC_Amt": -1001875, "TL_Amt": 17117907, "Total_Amt": 16116032 }, "DPD 1-30": { "WC_CFCount": 1, "TL_CFCount": 3, "Total_CFCount": 4, "WC_Amt": 1499999, "TL_Amt": 9988391, "Total_Amt": 11488390 }, "DPD 31-60": {}, "DPD 61-90": {}, "SMA 0": {}, "SMA 1": {}, "SMA 2": {}, "OVERDUE": {} }, "NONSTD": { "DPD 91-180": {}, "DPD > 180": {}, "SUB": {}, "RES": {}, "NPA": {}, "DBT": {}, "LOSS": {} }, "CLOSED": { "CLOSED": { "WC_CFCount": 1, "TL_CFCount": 19, "Other_CFCount": 1, "Total_CFCount": 21, "WC_Amt": 0, "TL_Amt": 259412, "Other_Amt": 0, "Total_Amt": 259412 } }, "OTHERS": { "OTHERS": {} } }, "AsGuarantorOnMember": { "STD": { "DPD 0": {}, "DPD 1-30": {}, "DPD 31-60": {}, "DPD 61-90": {}, "SMA 0": {}, "SMA 1": {}, "SMA 2": {}, "OVERDUE": {} }, "NONSTD": { "DPD 91-180": {}, "DPD > 180": {}, "SUB": {}, "RES": {}, "NPA": {}, "DBT": {}, "LOSS": {} }, "CLOSED": { "CLOSED": {} }, "OTHERS": { "OTHERS": {} } }, "AsGuarantorOffMember": { "STD": { "DPD 0": {}, "DPD 1-30": {}, "DPD 31-60": {}, "DPD 61-90": {}, "SMA 0": {}, "SMA 1": {}, "SMA 2": {}, "OVERDUE": {} }, "NONSTD": { "DPD 91-180": {}, "DPD > 180": {}, "SUB": {}, "RES": {}, "NPA": {}, "DBT": {}, "LOSS": {} }, "CLOSED": { "CLOSED": {} }, "OTHERS": { "OTHERS": {} } } } }, "CreditFacilityDetails": [ { "account_number": "***", "sanctiondate_loanactivation": "2025-03-14", "sanctioned_amount_notional_amountofcontract": "870000", "currency_code": "INR", "credit_type": "Commercial vehicle loan", "repayment_frequency": "Half yearly", "drawing_power": "1", "current_balance_limit_utilized_marktomarket": "695590", "assetclassification_dayspastdue": "0 dpd", "amount_overdue_limit_overdue": "0", "account_status": "Open", "wilful_default_status": "Not Wilful Defaulter", "suit_filed_status": "Not a Suit Filed Case", "dt_reported_lst": "2026-02-15", "credit_type_group": "TL", "member_type": "Off-Member", "sector_type": "NBFC-1", "member_branch_cd": "***", "accountSeqNo": "1B", "History48Months": [ { "account_number": "***", "current_balance_limit_utilized_marktomarket": "695590", "assetclassification_dayspastdue": "0 dpd", "amount_overdue_limit_overdue": "0", "account_status": "OPN", "wilful_default_status": "Not Wilful Defaulter", "suit_filed_status": "NS", "dt_reported_lst": "2026-02-15", "yyyymm": "2026-02", "sanctiondate_loanactivation": "2025-03-14", "sanctioned_amount_notional_amountofcontract": "870000", "currency_code": "INR", "credit_type": "Commercial vehicle loan", "repayment_frequency": "Half yearly", "drawing_power": "1", "overduebucket": "DPD 0" } ], "GuarantorDetails": [ { "dt_reported_lst": "2025-08-15", "Type": "Resident Indian Individual", "full_name": "SHYAM KAUR", "Gender": "Male", "Dob": "1991-06-06", "Business_category": "Others", "Business_industry_type": "Others", "IdentityInfo": { "PANId": [ { "IdNumber": "ABCPK1111J" } ], "VoterID": [ {} ], "NationalIDCard": [ {} ], "Passport": [ {} ], "DriverLicense": [ {} ], "RationCard": [ {} ], "OtherId": [ {} ], "BusinessRegistration": [ {} ], "CIN": [ {} ], "roc_CIN": false, "TIN": [ {} ] }, "CommercialAddressInfo": [ { "Seq": "0", "ReportedDate": "2025-11-15", "Address": "SANGRUR", "State": "Arunachal Pradesh", "Postal": "148033", "City": "MOONAK", "District": "SANGRUR", "Country": "India" } ], "PhoneInfo": [ { "typeCode": "M", "Number": "9400000009" } ] } ], "account_status_code": "01" }, { "institution": "TVS Services Limited", "account_number": "TN0000UC0112345", "sanctiondate_loanactivation": "2024-06-29", "sanctioned_amount_notional_amountofcontract": "2450000", "currency_code": "INR", "credit_type": "Commercial vehicle loan", "tenure_weighted_avg_maturityperiod": "48", "repayment_frequency": "Monthly", "drawing_power": "2450000", "current_balance_limit_utilized_marktomarket": "1691792", "loan_expiry_maturity_date": "2028-07-05", "assetclassification_dayspastdue": "0 dpd", "amount_overdue_limit_overdue": "0", "overduebucket01_1_30": "67578", "installment_amount": "67578", "account_status": "Open", "account_status_dt": "2024-06-29", "wilful_default_status": "Not Wilful Defaulter", "suit_filed_status": "Not a Suit Filed Case", "dt_reported_lst": "2026-01-31", "credit_type_group": "TL", "member_type": "On-Member", "sector_type": "NBFC-3", "member_branch_cd": "3002", "accountSeqNo": "13B", "History48Months": [ { "account_number": "TN0000UC0112345", "current_balance_limit_utilized_marktomarket": "1691792", "assetclassification_dayspastdue": "0 dpd", "amount_overdue_limit_overdue": "0", "account_status": "OPN", "wilful_default_status": "Not Wilful Defaulter", "suit_filed_status": "NS", "dt_reported_lst": "2026-01-31", "yyyymm": "2026-01", "sanctiondate_loanactivation": "2024-06-29", "sanctioned_amount_notional_amountofcontract": "2450000", "currency_code": "INR", "credit_type": "Commercial vehicle loan", "tenure_weighted_avg_maturityperiod": "48", "repayment_frequency": "Monthly", "drawing_power": "2450000", "loan_expiry_maturity_date": "2028-07-05", "overduebucket01_1_30": "67578", "installment_amount": "67578", "account_status_dt": "2024-06-29", "overduebucket": "DPD 1-30" } ], "account_status_code": "01" } ], "RelationshipDetails": [ { "dt_reported_lst": "2020-03-30", "Type": "Resident Indian Individual", "full_name": "RAM", "Relationship": "Proprietor", "Gender": "Male", "Dob": "1986-08-19", "IdentityInfo": { "PANId": [ { "IdNumber": "ABCPD1234F" } ], "VoterID": [ {} ], "NationalIDCard": [ {} ], "Passport": [ {} ], "DriverLicense": [ {} ], "RationCard": [ {} ], "OtherId": [ {} ], "BusinessRegistration": [ {} ], "CIN": [ {} ], "roc_CIN": false, "TIN": [ {} ] }, "CommercialAddressInfo": [ { "Seq": "0", "ReportedDate": "2020-03-30", "Address": "CHENNAI", "State": "Tamil Nadu", "Postal": "600037", "District": "Tiruvallur", "Country": "India" } ], "PhoneInfo": [ { "typeCode": "M", "Number": "9876543210" } ] } ], "EnquirySummary": { "Purpose": "ALL", "Total": "3", "Past30Days": "3", "Past12Months": "3", "Past24Months": "3" }, "RecentEnquiries": [ { "seq": "0", "Institution": "Hindu Finance", "Date": "2025-06-29", "Time": "09:52" } ], "GurantorCFSummary": {} }, "CCRHitDetailsLst": [ { "Name": "GURURAM LOGISTICS", "Commercial_Hit": "Y" }, { "Name": "R KAVITHA", "RTL_Hit": "N", "MFI_Hit": "N" } ] } }, "status_code": 200, "success": true, "message": "Success", "message_code": "success" }

Credit Report Commercial

Commercial Credit Report#

Description#

Use Cases#

Technical Implementation#

Request Headers#

Request Body#

Example Request#

Response Parameters#

Top-Level Response#

data Object#

credit_score[] Object#

credit_report Object#

InquiryResponseHeader Object#

CommercialBureauResponseDetails Object#

IDAndContactInfo Object#

CommercialPersonalInfo Object#

CommercialCIRSummary Object#

SeverityGrid – SeverityGridDetailsMap (per financial year)#

OverallCreditSummary – AsBorrower (per financial year)#

OpenCreditFacilitySummary – per lender type#

DelinquencySummary – per lender entry#

DerogSummary – per lender entry#

CreditFacilityDetails[] Object#

History48Months[] Object (per month record)#

GuarantorDetails[] Object#

RelationshipDetails[] Object#

EnquirySummary Object#

RecentEnquiries[] Object#

CCRHitDetailsLst[] Object#

Example Successful Response#

Possible Error Responses#

Integration Best Practices#

Code Samples#

Request

Responses