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Credit Report Crif
Production
https://kyc-api.surepass.app
Production
https://kyc-api.surepass.app
POST
https://kyc-api.surepass.app
Fetch CRIF Credit Report
Description
Key Benefits
Use Cases
Banking & Lending
Fintech & Digital Onboarding
Insurance & Risk Management
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 Different authentication tokens are used for sandbox and production environments: Sandbox: Production:
1.
2.
3.
Authorization header as Bearer TOKEN.https://sandbox.surepass.apphttps://kyc-api.surepass.appRequest Parameters
Request Headers
| Header | Required | Description |
|---|---|---|
| Authorization | Yes | Bearer token in the format Bearer <JWT> |
| Content-Type | Yes | Must be application/json |
Request Body
| Parameter | Type | Required | Description |
|---|---|---|---|
| first_name | string | Yes | Applicant's first name |
| last_name | string | Yes | Applicant's last name |
| mobile | string | Yes | Applicant's mobile number |
| pan | string | Yes | Applicant's PAN (Permanent Account Number) |
| consent | string | Yes | User consent flag (Y for Yes) |
Example Request
{
"first_name": "Rahul",
"last_name": "Sharma",
"mobile": "9876543210",
"pan": "AXYPR5678L",
"consent": "Y"
}Process Response
Response Parameters
| Parameter | Type | Description |
|---|---|---|
| data | object | Contains the detailed credit report and applicant information |
| client_id | string | Unique identifier for the credit report request |
| first_name | string | Applicant's first name (uppercase) |
| last_name | string | Applicant's last name (uppercase) |
| pan | string | Applicant's PAN |
| mobile | string | Applicant's mobile number |
| credit_score | string | Applicant's credit score |
| credit_report | object | Detailed CRIF credit report (see below for structure) |
| status_code | number | HTTP status code (e.g., 200 for success) |
| success | boolean | Indicates if the request was successful |
| message | string | Success or error message |
| message_code | string | Message code (e.g., "success") |
credit_report:HEADER: Report metadata (dates, IDs, status)PERSONAL-INFO-VARIATION: Variations in name, address, PAN, UID, DOB, phone, emailACCOUNTS-SUMMARY: Derived attributes and account summariesEMPLOYMENT-DETAILS: Employment informationRESPONSES: Loan account detailsINQUIRY-HISTORY: Recent credit inquiriesSCORES: Score type, value, and factorsExample Successful Response
{
"data": {
"client_id": "credit_report_crif_dummyID",
"first_name": "RAHUL",
"last_name": "SHARMA",
"pan": "AXYPR5678L",
"mobile": "9876543210",
"credit_score": "750",
"credit_report": {
"HEADER": {
"DATE-OF-REQUEST": "25-07-2025",
"DATE-OF-ISSUE": "25-07-2025",
"REPORT-ID": "CCR250725CR254351503",
"BATCH-ID": "3787629148250725",
"inquiryId_": "12715894000",
"STATUS": "SUCCESS"
},
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": {
"VARIATION": [
{"VALUE": "RAHUL SHARMA", "REPORTED-DATE": "01-06-2023"},
{"VALUE": "SHARMA RAHUL", "REPORTED-DATE": "15-07-2024"}
]
},
"ADDRESS-VARIATIONS": {
"VARIATION": [
{"VALUE": "123, M.G. ROAD, MUMBAI, MAHARASHTRA, 400001", "REPORTED-DATE": "01-06-2023"},
{"VALUE": "456, KRISHNA APARTMENTS, BANGALORE, KARNATAKA, 560001", "REPORTED-DATE": "15-07-2024"}
]
},
"PAN-VARIATIONS": {
"VARIATION": [
{"VALUE": "AXYPR5678L", "REPORTED-DATE": "01-06-2023"}
]
},
"UID-VARIATIONS": {
"VARIATION": {"VALUE": "XXXXXXXX1234", "REPORTED-DATE": "01-07-2023"}
},
"DATE-OF-BIRTH-VARIATIONS": {
"VARIATION": {"VALUE": "10-08-1990", "REPORTED-DATE": "01-06-2023"}
},
"PHONE-NUMBER-VARIATIONS": {
"VARIATION": [
{"VALUE": "9876543210", "REPORTED-DATE": "01-06-2023"},
{"VALUE": "+91 9876543210", "REPORTED-DATE": "01-06-2024"}
]
},
"EMAIL-VARIATIONS": {
"VARIATION": [
{"VALUE": "rahul.sharma@example.com", "REPORTED-DATE": "01-06-2025"},
{"VALUE": "r.sharma90@domain.com", "REPORTED-DATE": "01-06-2025"}
]
}
},
"SECONDARY-MATCHES": "",
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQURIES-IN-LAST-SIX-MONTHS": "3",
"LENGTH-OF-CREDIT-HISTORY-YEAR": "6",
"LENGTH-OF-CREDIT-HISTORY-MONTH": "5",
"AVERAGE-ACCOUNT-AGE-YEAR": "3",
"AVERAGE-ACCOUNT-AGE-MONTH": "2",
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": "2",
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": "0"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": "15",
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": "8",
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": "3",
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": "12",
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-CURRENT-BALANCE": "50,000",
"PRIMARY-SANCTIONED-AMOUNT": "1,50,000",
"PRIMARY-DISBURSED-AMOUNT": "1,50,000"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"SECONDARY-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-CURRENT-BALANCE": "0",
"SECONDARY-SANCTIONED-AMOUNT": "0",
"SECONDARY-DISBURSED-AMOUNT": "0"
}
},
"EMPLOYMENT-DETAILS": {
"EMPLOYMENT-DETAIL": "Software Engineer at IT Solutions Corp., since 2020"
},
"RESPONSES": {
"RESPONSE": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "HWPL99384756",
"CREDIT-GUARANTOR": "HDFC BANK",
"ACCT-TYPE": "Home Loan",
"DATE-REPORTED": "25-07-2025",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Active",
"DISBURSED-AMT": "3,00,000",
"DISBURSED-DT": "10-05-2023",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "2,80,000",
"COMBINED-PAYMENT-HISTORY": "Jul:2025,000/XXX|Jun:2025,000/XXX|",
"MATCHED-TYPE": "PRIMARY",
"LINKED-ACCOUNTS": "",
"SECURITY-DETAILS": "Property at M.G. Road, Mumbai",
"REPAYMENT-TENURE": "240"
}
},
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "ICICI3344556677",
"CREDIT-GUARANTOR": "ICICI BANK",
"ACCT-TYPE": "Personal Loan",
"DATE-REPORTED": "25-07-2025",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Closed",
"DISBURSED-AMT": "1,00,000",
"DISBURSED-DT": "15-02-2021",
"LAST-PAYMENT-DATE": "01-03-2023",
"CLOSED-DATE": "01-03-2023",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "0",
"COMBINED-PAYMENT-HISTORY": "Feb:2023,000/XXX|",
"MATCHED-TYPE": "PRIMARY",
"LINKED-ACCOUNTS": "",
"SECURITY-DETAILS": "",
"REPAYMENT-TENURE": "24"
}
}
]
},
"INQUIRY-HISTORY": {
"HISTORY": [
{
"MEMBER-NAME": "HDFC BANK LTD",
"INQUIRY-DATE": "10-05-2025",
"PURPOSE": "Credit Card",
"OWNERSHIP-TYPE": "PRIMARY",
"AMOUNT": "50,000",
"REMARK": ""
},
{
"MEMBER-NAME": "SBI CARD",
"INQUIRY-DATE": "15-04-2025",
"PURPOSE": "Credit Card",
"OWNERSHIP-TYPE": "PRIMARY",
"AMOUNT": "30,000",
"REMARK": ""
}
]
},
"SCORES": {
"SCORE": {
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "750",
"SCORE-FACTORS": "SF01|SF03|SF05||"
}
}
}
},
"status_code": 200,
"success": true,
"message": "Success",
"message_code": "success"
}Possible Error Responses
Invalid PAN
Unauthorized
{
"status_code": 422,
"success": false,
"message": "Verification Failed.",
"message_code": "verification_failed"
}Integration Best Practices
Security Recommendations
User Experience Guidelines
Code Samples
cURL
Python
Node.js
Related APIs
Compliance and Legal Considerations
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://kyc-api.surepass.app/api/v1/credit-report-crif/fetch-report' \
--header 'Content-Type: application/json' \
--data-raw '{
"first_name": "Priya",
"last_name": "Yadav",
"mobile": "7023579104",
"pan": "FFKPP1999M",
"consent": "Y"
}'Response Response Example
200 - Success
{
"data": {
"client_id": "credit_report_crif_dummyID",
"first_name": "RAHUL",
"last_name": "SHARMA",
"pan": "AXYPR5678L",
"mobile": "9876543210",
"credit_score": "750",
"credit_report": {
"HEADER": {
"DATE-OF-REQUEST": "25-07-2025",
"DATE-OF-ISSUE": "25-07-2025",
"REPORT-ID": "CCR250725CR254351503",
"BATCH-ID": "3787629148250725",
"inquiryId_": "12715894000",
"STATUS": "SUCCESS"
},
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": {
"VARIATION": [
{
"VALUE": "RAHUL SHARMA",
"REPORTED-DATE": "01-06-2023"
},
{
"VALUE": "SHARMA RAHUL",
"REPORTED-DATE": "15-07-2024"
}
]
},
"ADDRESS-VARIATIONS": {
"VARIATION": [
{
"VALUE": "123, M.G. ROAD, MUMBAI, MAHARASHTRA, 400001",
"REPORTED-DATE": "01-06-2023"
},
{
"VALUE": "456, KRISHNA APARTMENTS, BANGALORE, KARNATAKA, 560001",
"REPORTED-DATE": "15-07-2024"
}
]
},
"PAN-VARIATIONS": {
"VARIATION": [
{
"VALUE": "AXYPR5678L",
"REPORTED-DATE": "01-06-2023"
}
]
},
"UID-VARIATIONS": {
"VARIATION": {
"VALUE": "XXXXXXXX1234",
"REPORTED-DATE": "01-07-2023"
}
},
"DATE-OF-BIRTH-VARIATIONS": {
"VARIATION": {
"VALUE": "10-08-1990",
"REPORTED-DATE": "01-06-2023"
}
},
"PHONE-NUMBER-VARIATIONS": {
"VARIATION": [
{
"VALUE": "9876543210",
"REPORTED-DATE": "01-06-2023"
},
{
"VALUE": "+91 9876543210",
"REPORTED-DATE": "01-06-2024"
}
]
},
"EMAIL-VARIATIONS": {
"VARIATION": [
{
"VALUE": "rahul.sharma@example.com",
"REPORTED-DATE": "01-06-2025"
},
{
"VALUE": "r.sharma90@domain.com",
"REPORTED-DATE": "01-06-2025"
}
]
}
},
"SECONDARY-MATCHES": "",
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQURIES-IN-LAST-SIX-MONTHS": "3",
"LENGTH-OF-CREDIT-HISTORY-YEAR": "6",
"LENGTH-OF-CREDIT-HISTORY-MONTH": "5",
"AVERAGE-ACCOUNT-AGE-YEAR": "3",
"AVERAGE-ACCOUNT-AGE-MONTH": "2",
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": "2",
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": "0"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": "15",
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": "8",
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": "3",
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": "12",
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-CURRENT-BALANCE": "50,000",
"PRIMARY-SANCTIONED-AMOUNT": "1,50,000",
"PRIMARY-DISBURSED-AMOUNT": "1,50,000"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"SECONDARY-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0",
"SECONDARY-CURRENT-BALANCE": "0",
"SECONDARY-SANCTIONED-AMOUNT": "0",
"SECONDARY-DISBURSED-AMOUNT": "0"
}
},
"EMPLOYMENT-DETAILS": {
"EMPLOYMENT-DETAIL": "Software Engineer at IT Solutions Corp., since 2020"
},
"RESPONSES": {
"RESPONSE": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "HWPL99384756",
"CREDIT-GUARANTOR": "HDFC BANK",
"ACCT-TYPE": "Home Loan",
"DATE-REPORTED": "25-07-2025",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Active",
"DISBURSED-AMT": "3,00,000",
"DISBURSED-DT": "10-05-2023",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "2,80,000",
"COMBINED-PAYMENT-HISTORY": "Jul:2025,000/XXX|Jun:2025,000/XXX|",
"MATCHED-TYPE": "PRIMARY",
"LINKED-ACCOUNTS": "",
"SECURITY-DETAILS": "Property at M.G. Road, Mumbai",
"REPAYMENT-TENURE": "240"
}
},
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "ICICI3344556677",
"CREDIT-GUARANTOR": "ICICI BANK",
"ACCT-TYPE": "Personal Loan",
"DATE-REPORTED": "25-07-2025",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Closed",
"DISBURSED-AMT": "1,00,000",
"DISBURSED-DT": "15-02-2021",
"LAST-PAYMENT-DATE": "01-03-2023",
"CLOSED-DATE": "01-03-2023",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "0",
"COMBINED-PAYMENT-HISTORY": "Feb:2023,000/XXX|",
"MATCHED-TYPE": "PRIMARY",
"LINKED-ACCOUNTS": "",
"SECURITY-DETAILS": "",
"REPAYMENT-TENURE": "24"
}
}
]
},
"INQUIRY-HISTORY": {
"HISTORY": [
{
"MEMBER-NAME": "HDFC BANK LTD",
"INQUIRY-DATE": "10-05-2025",
"PURPOSE": "Credit Card",
"OWNERSHIP-TYPE": "PRIMARY",
"AMOUNT": "50,000",
"REMARK": ""
},
{
"MEMBER-NAME": "SBI CARD",
"INQUIRY-DATE": "15-04-2025",
"PURPOSE": "Credit Card",
"OWNERSHIP-TYPE": "PRIMARY",
"AMOUNT": "30,000",
"REMARK": ""
}
]
},
"SCORES": {
"SCORE": {
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "750",
"SCORE-FACTORS": "SF01|SF03|SF05||"
}
}
}
},
"status_code": 200,
"success": true,
"message": "Success",
"message_code": "success"
}Request
Body Params application/json