All 7 supported formats
Auto-detect format on the way in. Normalize to canonical keys. Extract 825+ features. Same response shape regardless of source.
CIBIL
India's largest credit bureau. Default format with the most comprehensive coverage of tradeline and enquiry data.
CRIF Softpull
Standard CRIF softpull format with automatic tradeline remapping to our canonical schema.
CRIF v2
Enhanced CRIF data model with extended attribute coverage and richer payment history granularity.
CRIF Hardpull
Full CRIF credit pull with semantic key mapping. Adds enquiry and dispute history not visible in softpulls.
Experian Softpull
Experian soft inquiry with key normalization. Lower latency, no impact on borrower score.
Experian XML
Legacy Experian XML format with full parsing support. Useful for integrations with older systems.
Equifax Softpull
Equifax soft inquiry with full field mapping. Often used as a secondary bureau for thin-file borrowers.
Other data sources, same API.
Bureau data isn't enough for thin-file, new-to-credit, or self-employed borrowers. We pull from everywhere.
Bank statement parsing
PDF and image-based statement OCR. Categorization, salary detection, recurring obligation extraction, bounce flags.
Account Aggregator (AA)
RBI-licensed AA ecosystem integration. Real-time transaction data, balance history, cash-flow analytics — with borrower consent.
GST returns + ITRs
Direct pulls from GSTN and ITR data for self-employed and SME underwriting. Plug into Credit Engine features.
Bureau-agnostic by design
Your code shouldn't care which bureau you hit today. Pass the raw report — we auto-detect, normalize, and return canonical fields. Switch bureaus without rewriting your underwriting logic.
# Same call, any source
POST /v1/bureau/evaluate
{
"format_type": "CibilJson",
"raw_data": "eyJ..."
}
# Returns same shape
{
"score": 742,
"risk_grade": "B+",
"features": 825
}