post https://qrologic.in/api/ekyc/v2/banking/bureau/report
API return the credit bureau report of the customer. Below information are returned
• Name
• Array of Address
• Array of Email
• Array of Phone
• Array of Identities
• Array of Loan
• Array of Occupation
• Array of Disputes
Request Parameters
| Name | Mandatory | Type | Desc |
|---|---|---|---|
| FirstName | Yes | String | First Name of customer |
| MiddleName | No | String | Middle Name of customer |
| LastName | No | String | Last Name of customer |
| InquiryPurpose | Yes | Integer | Inquiry purpose |
| DOB | Yes | String | Customer birthday in format yyyy-mm-dd |
| InquiryPhones | Yes | Array | List of phone object of customer |
| IDDetails | Yes | Array | List of identity object of customer |
InquiryPhones
| Name | Mandatory | Type | Desc |
|---|---|---|---|
| seq | Yes | String | Sequence of parameter |
| Number | Yes | String | Mobile number of customer |
| PhoneType | Yes | String | This should be "M" |
IDDetails
| Name | Mandatory | Type | Desc |
|---|---|---|---|
| seq | Yes | String | Sequence of parameter |
| IDType | Yes | String | This should be "t" |
| IDValue | Yes | String | PAN |
Request
{
"addresses": [
{
"city": "COIMBATORE",
"country": "IN",
"isPrimary": true,
"line1": "NO-223 NACHIANNAN ANGANNAN STREET RAMANA THAPURAM RAMANATHAPURAM COIMBATORE",
"state": "TN",
"type": "HOME",
"pincode": "641045"
}
],
"birthday": "1993-03-13",
"gender": "MALE",
"identities": [
{
"identity": "BUXPS2681D",
"type": "PAN"
}
],
"name": {
"firstName": "SATHISH KUMAR"
},
"phones": [
{
"phone": "8122244473",
"type": "MOBILE"
}
]
}
Response
{
"statuscode": "TXN",
"status": "Transaction successful",
"data": {
"InquiryResponseHeader": {
"ClientID": "027FP27964",
"CustRefField": "REF16271",
"ReportOrderNO": "1130924596",
"ProductCode": [
"PCRLT"
],
"SuccessCode": "1",
"Date": "2023-12-25",
"Time": "15:21:14"
},
"InquiryRequestInfo": {
"InquiryPurpose": "16",
"FirstName": "ARVIND SHARMA",
"InquiryPhones": [
{
"seq": "1",
"PhoneType": [
"M"
],
"Number": "12345678900"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "t",
"IDValue": "CCSPC4542J"
}
],
"DOB": "1998-12-02"
},
"Score": [
{
"Type": "ERS",
"Version": "3.1"
}
],
"CCRResponse": {
"Status": "1",
"CIRReportDataLst": [
{
"InquiryResponseHeader": {
"CustomerCode": "AFIB",
"CustRefField": "REF16271",
"ReportOrderNO": "1130924596",
"TranID": "5765498054",
"ProductCode": [
"PCRLT"
],
"SuccessCode": "1",
"Date": "2023-12-25",
"Time": "15:21:14",
"HitCode": "10",
"CustomerName": "AFIB"
},
"InquiryRequestInfo": {
"InquiryPurpose": "Fleet Card",
"FirstName": "ARVIND SHARMA",
"InquiryPhones": [
{
"seq": "1",
"PhoneType": [
"M"
],
"Number": "1234567890"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "t",
"IDValue": "CCSPC4542J"
}
],
"DOB": "1998-12-02",
"CustomFields": [
{
"key": "INQUERY_PRODUCT_CODE",
"value": "PCRLT"
}
]
},
"Score": [
{
"Type": "ERS",
"Version": "3.1"
}
],
"CIRReportData": {
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "ARVIND SHARMA ",
"FirstName": "ARVIND",
"LastName": "SHARMA"
},
"DateOfBirth": "1998-12-02",
"Gender": "Male",
"Age": {
"Age": "25"
},
"TotalIncome": "50000"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2023-06-30",
"IdNumber": "CCSPC4542J"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2022-08-31",
"IdNumber": "XXXXXXXXXXXX"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2023-06-30",
"Address": " JAIPUR",
"State": "RJ",
"Postal": "302017",
"Type": "Primary"
},
{
"Seq": "2",
"ReportedDate": "2022-08-31",
"Address": "opposite Kumbha Marg, Krishna Vihar, Sector 5, Pratap Nagar, Jaipur, Rajasthan",
"State": "RJ",
"Postal": "302017",
"Type": "Owns,Primary"
},
{
"Seq": "3",
"ReportedDate": "2019-09-30",
"Address": "opposite Kumbha Marg, Krishna Vihar, Sector 5, Pratap Nagar, Jaipur, Rajasthan",
"State": "RJ",
"Postal": "302017",
"Type": "Primary"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2022-08-31",
"Number": "1234567890"
},
{
"seq": "2",
"typeCode": "M",
"ReportedDate": "2023-06-30",
"Number": "1234567890"
},
{
"seq": "3",
"typeCode": "M",
"ReportedDate": "2022-08-31",
"Number": "1234567890"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2023-01-31",
"EmailAddress": "xxxxxxxxxxx@GMAIL.COM"
}
]
},
"RetailAccountDetails": [
{
"seq": "1",
"id": "262256429",
"AccountNumber": "224575860987987189539",
"Institution": "Fullerton India Credit Company Ltd.",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "5981",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "6000",
"LastPaymentDate": "2023-11-07",
"DateReported": "2023-11-30",
"DateOpened": "2023-01-12",
"AccountStatus": "Current Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "11-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-23",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "2",
"id": "16345697",
"AccountNumber": "76634562888",
"Institution": "Kshetriya Gramin Bank",
"AccountType": "Kisan Credit Card",
"OwnershipType": "Individual",
"Balance": "3456778",
"Open": "Yes",
"SanctionAmount": "129000",
"LastPaymentDate": "2022-4-20",
"DateReported": "2022-5-31",
"DateOpened": "2020-09-17",
"InterestRate": "15",
"CollateralValue": "656000",
"CollateralType": "Property",
"AccountStatus": "Standard",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "08-22",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-22",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "06-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-22",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "02-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-22",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "12-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-21",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-21",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-21",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "06-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-21",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "04-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-20",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-20",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "3",
"id": "15456673",
"AccountNumber": "KDFGH921JERBY",
"Institution": " Private Limited",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "5000",
"LastPaymentDate": "2019-10-27",
"DateReported": "2019-11-30",
"DateOpened": "2019-09-21",
"DateClosed": "2019-11-11",
"Reason": "Closed Account",
"TermFrequency": "Monthly",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "11-19",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-19",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "09-19",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "4",
"id": "15155878118",
"AccountNumber": "FGHG45670PZTFM",
"Institution": "Private Limited",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "5000",
"LastPaymentDate": "2019-09-21",
"DateReported": "2019-09-30",
"DateOpened": "2019-08-20",
"DateClosed": "2019-09-21",
"Reason": "Closed Account",
"TermFrequency": "Monthly",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "09-19",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-19",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "5",
"id": "1556789220",
"AccountNumber": "FGH556728VIJBU",
"Institution": " Private Limited",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "4000",
"LastPaymentDate": "2019-08-20",
"DateReported": "2019-08-31",
"DateOpened": "2019-07-28",
"DateClosed": "2019-08-20",
"Reason": "Closed Account",
"TermFrequency": "Monthly",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "08-19",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-19",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "6",
"id": "1546567853",
"AccountNumber": "XXXXXXDOQYU",
"Institution": " Private Limited",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "2200",
"LastPaymentDate": "2019-07-19",
"DateReported": "2019-07-31",
"DateOpened": "2019-07-05",
"DateClosed": "2019-07-19",
"Reason": "Closed Account",
"TermFrequency": "Monthly",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "07-19",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "7",
"id": "1574241612",
"AccountNumber": "KB190719BOVWQ",
"Institution": " Private Limited",
"AccountType": "Personal Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "4000",
"LastPaymentDate": "2019-07-28",
"DateReported": "2019-07-31",
"DateOpened": "2019-07-19",
"DateClosed": "2019-07-28",
"Reason": "Closed Account",
"TermFrequency": "Monthly",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "07-19",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
}
],
"RetailAccountsSummary": {
"NoOfAccounts": "7",
"NoOfActiveAccounts": "2",
"NoOfWriteOffs": "0",
"TotalPastDue": "0.00",
"MostSevereStatusWithIn24Months": "Std",
"SingleHighestCredit": "0.00",
"SingleHighestSanctionAmount": "129000.00",
"TotalHighCredit": "0.00",
"AverageOpenBalance": "57104.50",
"SingleHighestBalance": "108228.00",
"NoOfPastDueAccounts": "0",
"NoOfZeroBalanceAccounts": "0",
"RecentAccount": "Personal Loan on 12-6-2023",
"OldestAccount": "Personal Loan on 05-07-2019",
"TotalBalanceAmount": "114209.00",
"TotalSanctionAmount": "135000.00",
"TotalCreditLimit": "0.0",
"TotalMonthlyPaymentAmount": "0.00"
},
"ScoreDetails": [
{
"Type": "ERS",
"Version": "3.1",
"Name": "Equifax Risk Score",
"Value": "000",
"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "702",
"Description": "Total Credit Exposure"
},
{
"type": "RES",
"seq": "2",
"code": "703",
"Description": "Total Utilization"
},
{
"type": "RES",
"seq": "3",
"code": "705",
"Description": "Kisan Credit Card Utilization"
}
]
}
],
"Enquiries": [
{
"seq": "0",
"Institution": "HDFC Bank Limited",
"Date": "2023-10-31",
"Time": "13:24",
"RequestPurpose": "10",
"Amount": "1000"
}
],
"EnquirySummary": {
"Purpose": "ALL",
"Total": "1",
"Past30Days": "0",
"Past12Months": "1",
"Past24Months": "1",
"Recent": "2023-10-31"
},
"OtherKeyInd": {
"AgeOfOldestTrade": "53",
"NumberOfOpenTrades": "1",
"AllLinesEVERWritten": "0.00",
"AllLinesEVERWrittenIn9Months": "0",
"AllLinesEVERWrittenIn6Months": "0"
},
"RecentActivities": {
"AccountsDeliquent": "0",
"AccountsOpened": "0",
"TotalInquiries": "1",
"AccountsUpdated": "1"
}
}
}
]
}
},
"timestamp": "25-12-2023 15:21:15"
}