CRIF Bureau Formats¶
CRIF provides credit reports through multiple JSON format variations including CIR (Credit Information Report) and INDV (Individual) report structures. The reports feature detailed tradeline information, demographic variations, employment details, and PERFORM Consumer scores. CRIF formats emphasize comprehensive account history tracking, inquiry patterns, and risk factor analysis with detailed payment behavior insights.
crif_hardpull¶
{
"CIR-REPORT-FILE": {
"HEADER-SEGMENT": {
"DATE-OF-REQUEST": "18-04-2026",
"PREPARED-FOR": "",
"PREPARED-FOR-ID": "",
"DATE-OF-ISSUE": "18-04-2026",
"REPORT-ID": "SUBU260418CR008076633",
"BATCH-ID": "4524965640260418",
"STATUS": "SUCCESS",
"PRODUCT-TYPE": "CIR PRO V2",
"PRODUCT-VER": "2.0"
},
"REQUEST-DATA": {
"APPLICANT-SEGMENT": {
"FIRST-NAME": "",
"MIDDLE-NAME": "",
"LAST-NAME": "",
"GENDER": "",
"APPLICANT-ID": "3197476",
"DOB": {
"DOB-DT": "10-12-1992",
"AGE": "33",
"AGE-AS-ON": "18-04-2026"
},
"IDS": [
{
"TYPE": "ID07",
"VALUE": ""
}
],
"ADDRESSES": [
{
"TYPE": "D05",
"ADDRESSTEXT": "Mohali Punjab ",
"CITY": "Mohali",
"LOCALITY": "",
"STATE": "PB",
"PIN": "140308",
"COUNTRY": "INDIA"
}
],
"PHONES": [
{
"TYPE": "P04",
"VALUE": ""
}
],
"EMAILS": [
{
"EMAIL": null
}
],
"ACCOUNT-NUMBER": ""
},
"APPLICATION-SEGMENT": {
"INQUIRY-UNIQUE-REF-NO": "",
"CREDIT-RPT-ID": "",
"CREDIT-RPT-TRN-DT-TM": "",
"CREDIT-INQ-PURPS-TYPE": "",
"CREDIT-INQUIRY-STAGE": "",
"CLIENT-CONTRIBUTOR-ID": "",
"BRANCH-ID": "",
"APPLICATION-ID": "",
"ACNT-OPEN-DT": "",
"LOAN-AMT": null,
"LTV": "12",
"TERM": "24",
"LOAN-TYPE": "A01"
}
},
"REQUEST-STATUS": [
{
"TYPE": "CIR",
"STATUS": "SUCCESS",
"ERRORS": []
},
{
"TYPE": "IOI",
"STATUS": "SUCCESS",
"ERRORS": []
},
{
"TYPE": "IOI",
"STATUS": "SUCCESS",
"ERRORS": []
}
],
"REPORT-DATA": {
"STANDARD-DATA": {
"DEMOGS": {
"VARIATIONS": [
{
"TYPE": "EMAIL-VARIATIONS",
"VARIATION": [
{
"VALUE": "SOMEONE@GMAIL.COM",
"REPORTED-DT": "15-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "DOB-VARIATIONS",
"VARIATION": [
{
"VALUE": "04-08-1982",
"REPORTED-DT": "30-04-2023",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "UID-VARIATIONS",
"VARIATION": [
{
"type": "UID",
"VALUE": "",
"REPORTED-DT": "28-02-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "ADDRESS-VARIATIONS",
"VARIATION": [
{
"VALUE": "LOWER TASHIDING BUSTY KALIMPONG DARJEELING WEST BENGAL 734301 734301 WB ",
"REPORTED-DT": "07-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "PHONE-VARIATIONS",
"VARIATION": [
{
"VALUE": "0000000000",
"REPORTED-DT": "31-10-2023",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "CKYC-VARIATIONS",
"VARIATION": [
{
"type": "CKYC",
"VALUE": "",
"REPORTED-DT": "31-03-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "PAN-VARIATIONS",
"VARIATION": [
{
"type": "PAN",
"VALUE": "",
"REPORTED-DT": "15-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "NAME-VARIATIONS",
"VARIATION": [
{
"VALUE": "PRADHAN SAGE BHUSHAN",
"REPORTED-DT": "18-09-2025",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
}
]
},
"EMPLOYMENT-DETAILS": [
{
"EMPLOYMENT-DETAIL": {
"OCCUPATION": "SALARIED",
"FIRST-REPORTED-DT": "28-02-2026",
"LAST-REPORTED-DT": "31-03-2026",
"ACCT-TYPE": "Personal Loan",
"SOURCE-INDICATOR": "NBF"
}
}
],
"TRADELINES": [
{
"ACCT-NUMBER": "XXXX",
"CREDIT-GRANTOR": "XXXX",
"CREDIT-GRANTOR-GROUP": "Category D",
"CREDIT-GRANTOR-TYPE": "NBF",
"ACCT-TYPE": "PERSONAL LOAN",
"REPORTED-DT": "15-04-2026",
"OWNERSHIP-TYPE": "Individual",
"ACCOUNT-STATUS": "Active",
"CLOSED-DT": "",
"DISBURSED-AMT": "3000",
"DISBURSED-DT": "08-04-2026",
"INSTALLMENT-AMT": "",
"CREDIT-LIMIT": "",
"CASH-LIMIT": "",
"CURRENT-BAL": "4,488",
"INSTALLMENT-FREQUENCY": "",
"ORIGINAL-TERM": 0,
"TERM-TO-MATURITY": 0,
"REPAYMENT-TENURE": "",
"INTEREST-RATE": "",
"ACTUAL-PAYMENT": "",
"LAST-PAYMENT-DT": "",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"PRINCIPAL-WRITE-OFF-AMT": "",
"SETTLEMENT-AMT": "",
"OBLIGATION": "82.7338585544662",
"HISTORY": [
{
"NAME": "COMBINED-PAYMENT-HISTORY",
"DATES": "Apr:2026|",
"VALUES": "000/XXX|"
}
],
"ACCOUNT-REMARKS": null,
"SECURITY-STATUS": "Un-Secured",
"ACCT-IN-DISPUTE": "",
"SUIT-FILED-WILFUL-DEFAULT-STATUS": "",
"WRITTEN-OFF-SETTLED-STATUS": "",
"WRITE-OFF-DT": "",
"SECURITY-DETAILS": [
{
"SECURITY-TYPE": "",
"OWNER-NAME": "",
"SECURITY-VALUATION": "",
"DATE-OF-VALUATION": "",
"SECURITY-CHARGE": "",
"PROPERTY-ADDRESS": "",
"AUTOMOBILE-TYPE": "",
"YEAR-OF-MANUFACTURING": "",
"REGISTRATION-NUMBER": "",
"ENGINE-NUMBER": "",
"CHASSIE-NUMBER": ""
}
],
"LINKED-ACCOUNTS": [],
"SUIT-FILED-DT": "",
"LAST-PAID-AMOUNT": "",
"OCCUPATION": "",
"INCOME-FREQUENCY": "",
"INCOME-AMOUNT": ""
}
],
"INQUIRY-HISTORY": [
{
"LENDER-NAME": "XXXX",
"LENDER-TYPE": "NBF",
"INQUIRY-DT": "08-04-2026",
"OWNERSHIP-TYPE": "PRIMARY",
"CREDIT-INQ-PURPS-TYPE": "Account Origination",
"CREDIT-INQUIRY-STAGE": "PRE-DISB",
"AMOUNT": "30,000",
"REMARK": "",
"LOAN-TYPE": "OTHER"
}
],
"SCORE": [
{
"NAME": "PERFORM CONSUMER 2.2",
"VERSION": "",
"VALUE": "652",
"DESCRIPTION": "",
"FACTORS": [
{
"TYPE": "SF03",
"DESC": "No/minimal missed payments in recent past"
},
{
"TYPE": "SF12",
"DESC": "Substantial proportion of outstanding balance to disbursed amount"
},
{
"TYPE": "SF32",
"DESC": "Considerably high number of self/overall loans disbursed in the recent past"
}
]
}
]
},
"REQUESTED-SERVICES": [],
"ACCOUNTS-SUMMARY": {
"PRIMARY-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "207",
"ACTIVE-ACCOUNTS": "26",
"OVERDUE-ACCOUNTS": "0",
"SECURED-ACCOUNTS": "0",
"UNSECURED-ACCOUNTS": "207",
"UNTAGGED-ACCOUNTS": "0",
"TOTAL-CURRENT-BALANCE": "491362.00",
"CURRENT-BALANCE-SECURED": "0.00",
"CURRENT-BALANCE-UNSECURED": "491362.00",
"TOTAL-SANCTIONED-AMT": "573000.00",
"TOTAL-DISBURSED-AMT": "573000.00",
"TOTAL-AMT-OVERDUE": "0.00"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "0",
"ACTIVE-ACCOUNTS": "0",
"OVERDUE-ACCOUNTS": "0",
"SECURED-ACCOUNTS": "0",
"UNSECURED-ACCOUNTS": "0",
"UNTAGGED-ACCOUNTS": "0",
"TOTAL-CURRENT-BALANCE": "0.00",
"TOTAL-SANCTIONED-AMT": "0.00",
"TOTAL-DISBURSED-AMT": "0.00",
"TOTAL-AMT-OVERDUE": "0.00"
},
"MFI-GROUP-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "0",
"ACTIVE-ACCOUNTS": "0",
"OVERDUE-ACCOUNTS": "0",
"CLOSED-ACCOUNTS": "0",
"NO-OF-OTHER-MFIS": "0",
"NO-OF-OWN-MFIS": "0",
"TOTAL-OWN-CURRENT-BALANCE": "0.00",
"TOTAL-OWN-INSTALLMENT-AMT": "0",
"TOTAL-OWN-DISBURSED-AMT": "0.00",
"TOTAL-OWN-OVERDUE-AMT": "0.00",
"TOTAL-OTHER-CURRENT-BALANCE": "0.00",
"TOTAL-OTHER-INSTALLMENT-AMT": "0",
"TOTAL-OTHER-DISBURSED-AMT": "0.00",
"TOTAL-OTHER-OVERDUE-AMT": "0.00",
"MAX-WORST-DELINQUENCY": "0"
},
"ADDITIONAL-SUMMARY": [
{
"ATTR-NAME": "NUM-GRANTORS",
"ATTR-VALUE": "40"
},
{
"ATTR-NAME": "NUM-GRANTORS-ACTIVE",
"ATTR-VALUE": "20"
},
{
"ATTR-NAME": "NUM-GRANTORS-DELINQ",
"ATTR-VALUE": "0"
},
{
"ATTR-NAME": "NUM-GRANTORS-ONLY-PRIMARY",
"ATTR-VALUE": "20"
},
{
"ATTR-NAME": "NUM-GRANTORS-ONLY-SECONDARY",
"ATTR-VALUE": "0"
}
],
"PERFORM-ATTRIBUTES": []
},
"TRENDS": {
"NAME": "",
"DATES": "",
"VALUES": "",
"RESERVED1": "",
"RESERVED2": "",
"RESERVED3": "",
"DESCRIPTION": ""
},
"ALERTS": [
{
"TYPE": "",
"DESCRIPTION": "",
"RESERVED1": ""
}
]
},
"PRINTABLE-REPORT": {}
}
}
crif_hardpull_v2¶
{
"CIR-REPORT-FILE": {
"HEADER-SEGMENT": {
"DATE-OF-REQUEST": "18-04-2026",
"PREPARED-FOR": "",
"PREPARED-FOR-ID": "",
"DATE-OF-ISSUE": "18-04-2026",
"REPORT-ID": "SUBU260418CR008076633",
"BATCH-ID": "4524965640260418",
"STATUS": "SUCCESS",
"PRODUCT-TYPE": "CIR PRO V2",
"PRODUCT-VER": "2.0"
},
"REQUEST-DATA": {
"APPLICANT-SEGMENT": {
"FIRST-NAME": "",
"MIDDLE-NAME": "",
"LAST-NAME": "",
"GENDER": "",
"APPLICANT-ID": "3197476",
"DOB": {
"DOB-DT": "10-12-1992",
"AGE": "33",
"AGE-AS-ON": "18-04-2026"
},
"IDS": [
{
"TYPE": "ID07",
"VALUE": ""
}
],
"ADDRESSES": [
{
"TYPE": "D05",
"ADDRESSTEXT": "Mohali Punjab ",
"CITY": "Mohali",
"LOCALITY": "",
"STATE": "PB",
"PIN": "140308",
"COUNTRY": "INDIA"
}
],
"PHONES": [
{
"TYPE": "P04",
"VALUE": ""
}
],
"EMAILS": [
{
"EMAIL": null
}
],
"ACCOUNT-NUMBER": ""
},
"APPLICATION-SEGMENT": {
"INQUIRY-UNIQUE-REF-NO": "",
"CREDIT-RPT-ID": "",
"CREDIT-RPT-TRN-DT-TM": "",
"CREDIT-INQ-PURPS-TYPE": "",
"CREDIT-INQUIRY-STAGE": "",
"CLIENT-CONTRIBUTOR-ID": "",
"BRANCH-ID": "",
"APPLICATION-ID": "",
"ACNT-OPEN-DT": "",
"LOAN-AMT": null,
"LTV": "12",
"TERM": "24",
"LOAN-TYPE": "A01"
}
},
"REQUEST-STATUS": [
{
"TYPE": "CIR",
"STATUS": "SUCCESS",
"ERRORS": []
},
{
"TYPE": "IOI",
"STATUS": "SUCCESS",
"ERRORS": []
},
{
"TYPE": "IOI",
"STATUS": "SUCCESS",
"ERRORS": []
}
],
"REPORT-DATA": {
"STANDARD-DATA": {
"DEMOGS": {
"VARIATIONS": [
{
"TYPE": "EMAIL-VARIATIONS",
"VARIATION": [
{
"VALUE": "SOMEONE@GMAIL.COM",
"REPORTED-DT": "15-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "DOB-VARIATIONS",
"VARIATION": [
{
"VALUE": "04-08-1982",
"REPORTED-DT": "30-04-2023",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "UID-VARIATIONS",
"VARIATION": [
{
"type": "UID",
"VALUE": "",
"REPORTED-DT": "28-02-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "ADDRESS-VARIATIONS",
"VARIATION": [
{
"VALUE": "LOWER TASHIDING BUSTY KALIMPONG DARJEELING WEST BENGAL 734301 734301 WB ",
"REPORTED-DT": "07-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "PHONE-VARIATIONS",
"VARIATION": [
{
"VALUE": "0000000000",
"REPORTED-DT": "31-10-2023",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "CKYC-VARIATIONS",
"VARIATION": [
{
"type": "CKYC",
"VALUE": "",
"REPORTED-DT": "31-03-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "PAN-VARIATIONS",
"VARIATION": [
{
"type": "PAN",
"VALUE": "",
"REPORTED-DT": "15-04-2026",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
},
{
"TYPE": "NAME-VARIATIONS",
"VARIATION": [
{
"VALUE": "PRADHAN SAGE BHUSHAN",
"REPORTED-DT": "18-09-2025",
"FIRST-REPORTED-DT": null,
"LOAN-TYPE-ASSOC": "",
"SOURCE-INDICATOR": ""
}
]
}
]
},
"EMPLOYMENT-DETAILS": [
{
"EMPLOYMENT-DETAIL": {
"OCCUPATION": "SALARIED",
"FIRST-REPORTED-DT": "28-02-2026",
"LAST-REPORTED-DT": "31-03-2026",
"ACCT-TYPE": "Personal Loan",
"SOURCE-INDICATOR": "NBF"
}
}
],
"TRADELINES": [
{
"ACCT-NUMBER": "XXXX",
"CREDIT-GRANTOR": "XXXX",
"CREDIT-GRANTOR-GROUP": "Category D",
"CREDIT-GRANTOR-TYPE": "NBF",
"ACCT-TYPE": "PERSONAL LOAN",
"REPORTED-DT": "15-04-2026",
"OWNERSHIP-TYPE": "Individual",
"ACCOUNT-STATUS": "Active",
"CLOSED-DT": "",
"DISBURSED-AMT": "3000",
"DISBURSED-DT": "08-04-2026",
"INSTALLMENT-AMT": "",
"CREDIT-LIMIT": "",
"CASH-LIMIT": "",
"CURRENT-BAL": "4,488",
"INSTALLMENT-FREQUENCY": "",
"ORIGINAL-TERM": 0,
"TERM-TO-MATURITY": 0,
"REPAYMENT-TENURE": "",
"INTEREST-RATE": "",
"ACTUAL-PAYMENT": "",
"LAST-PAYMENT-DT": "",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"PRINCIPAL-WRITE-OFF-AMT": "",
"SETTLEMENT-AMT": "",
"OBLIGATION": "82.7338585544662",
"HISTORY": [
{
"DATES": "Mar:2026|Feb:2026|Jan:2026|Dec:2025|Nov:2025|",
"NAME": "C**********************Y",
"VALUES": "000/STD|000/STD|000/STD|000/STD|000/STD|"
},
{
"DATES": "Mar:2026|Feb:2026|Jan:2026|Dec:2025|Nov:2025|",
"NAME": "H*****************Y",
"VALUES": "18,999|18,999|18,999|18,999|18,999|"
},
{
"DATES": "Mar:2026|Feb:2026|Jan:2026|Dec:2025|Nov:2025|",
"NAME": "C*********************Y",
"VALUES": "8,713|11,416|13,955|16,384|18,999|"
},
{
"DATES": "Mar:2026|Feb:2026|Jan:2026|Dec:2025|Nov:2025|",
"NAME": "A**************Y",
"VALUES": "|||||"
}
],
"ACCOUNT-REMARKS": null,
"SECURITY-STATUS": "Un-Secured",
"ACCT-IN-DISPUTE": "",
"SUIT-FILED-WILFUL-DEFAULT-STATUS": "",
"WRITTEN-OFF-SETTLED-STATUS": "",
"WRITE-OFF-DT": "",
"SECURITY-DETAILS": [
{
"SECURITY-TYPE": "",
"OWNER-NAME": "",
"SECURITY-VALUATION": "",
"DATE-OF-VALUATION": "",
"SECURITY-CHARGE": "",
"PROPERTY-ADDRESS": "",
"AUTOMOBILE-TYPE": "",
"YEAR-OF-MANUFACTURING": "",
"REGISTRATION-NUMBER": "",
"ENGINE-NUMBER": "",
"CHASSIE-NUMBER": ""
}
],
"LINKED-ACCOUNTS": [],
"SUIT-FILED-DT": "",
"LAST-PAID-AMOUNT": "",
"OCCUPATION": "",
"INCOME-FREQUENCY": "",
"INCOME-AMOUNT": ""
}
],
"INQUIRY-HISTORY": [
{
"LENDER-NAME": "XXXX",
"LENDER-TYPE": "NBF",
"INQUIRY-DT": "08-04-2026",
"OWNERSHIP-TYPE": "PRIMARY",
"CREDIT-INQ-PURPS-TYPE": "Account Origination",
"CREDIT-INQUIRY-STAGE": "PRE-DISB",
"AMOUNT": "30,000",
"REMARK": "",
"LOAN-TYPE": "OTHER"
}
],
"SCORE": [
{
"NAME": "PERFORM CONSUMER 2.2",
"VERSION": "",
"VALUE": "652",
"DESCRIPTION": "",
"FACTORS": [
{
"TYPE": "SF03",
"DESC": "No/minimal missed payments in recent past"
},
{
"TYPE": "SF12",
"DESC": "Substantial proportion of outstanding balance to disbursed amount"
},
{
"TYPE": "SF32",
"DESC": "Considerably high number of self/overall loans disbursed in the recent past"
}
]
}
]
},
"REQUESTED-SERVICES": [],
"ACCOUNTS-SUMMARY": {
"PRIMARY-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "207",
"ACTIVE-ACCOUNTS": "26",
"OVERDUE-ACCOUNTS": "0",
"SECURED-ACCOUNTS": "0",
"UNSECURED-ACCOUNTS": "207",
"UNTAGGED-ACCOUNTS": "0",
"TOTAL-CURRENT-BALANCE": "491362.00",
"CURRENT-BALANCE-SECURED": "0.00",
"CURRENT-BALANCE-UNSECURED": "491362.00",
"TOTAL-SANCTIONED-AMT": "573000.00",
"TOTAL-DISBURSED-AMT": "573000.00",
"TOTAL-AMT-OVERDUE": "0.00"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "0",
"ACTIVE-ACCOUNTS": "0",
"OVERDUE-ACCOUNTS": "0",
"SECURED-ACCOUNTS": "0",
"UNSECURED-ACCOUNTS": "0",
"UNTAGGED-ACCOUNTS": "0",
"TOTAL-CURRENT-BALANCE": "0.00",
"TOTAL-SANCTIONED-AMT": "0.00",
"TOTAL-DISBURSED-AMT": "0.00",
"TOTAL-AMT-OVERDUE": "0.00"
},
"MFI-GROUP-ACCOUNTS-SUMMARY": {
"NUMBER-OF-ACCOUNTS": "0",
"ACTIVE-ACCOUNTS": "0",
"OVERDUE-ACCOUNTS": "0",
"CLOSED-ACCOUNTS": "0",
"NO-OF-OTHER-MFIS": "0",
"NO-OF-OWN-MFIS": "0",
"TOTAL-OWN-CURRENT-BALANCE": "0.00",
"TOTAL-OWN-INSTALLMENT-AMT": "0",
"TOTAL-OWN-DISBURSED-AMT": "0.00",
"TOTAL-OWN-OVERDUE-AMT": "0.00",
"TOTAL-OTHER-CURRENT-BALANCE": "0.00",
"TOTAL-OTHER-INSTALLMENT-AMT": "0",
"TOTAL-OTHER-DISBURSED-AMT": "0.00",
"TOTAL-OTHER-OVERDUE-AMT": "0.00",
"MAX-WORST-DELINQUENCY": "0"
},
"ADDITIONAL-SUMMARY": [
{
"ATTR-NAME": "NUM-GRANTORS",
"ATTR-VALUE": "40"
},
{
"ATTR-NAME": "NUM-GRANTORS-ACTIVE",
"ATTR-VALUE": "20"
},
{
"ATTR-NAME": "NUM-GRANTORS-DELINQ",
"ATTR-VALUE": "0"
},
{
"ATTR-NAME": "NUM-GRANTORS-ONLY-PRIMARY",
"ATTR-VALUE": "20"
},
{
"ATTR-NAME": "NUM-GRANTORS-ONLY-SECONDARY",
"ATTR-VALUE": "0"
}
],
"PERFORM-ATTRIBUTES": []
},
"TRENDS": {
"NAME": "",
"DATES": "",
"VALUES": "",
"RESERVED1": "",
"RESERVED2": "",
"RESERVED3": "",
"DESCRIPTION": ""
},
"ALERTS": [
{
"TYPE": "",
"DESCRIPTION": "",
"RESERVED1": ""
}
]
},
"PRINTABLE-REPORT": {}
}
}
crif_json¶
{
"cir_report_file": {
"header_segment": {
"date_of_request": "19-04-2026",
"prepared_for": " ",
"prepared_for_id": "",
"date_of_issue": "19-04-2026",
"report_id": "",
"batch_id": "",
"status": "SUCCESS",
"product_type": "BBC CONSUMER SCORE",
"product_ver": "2.0"
},
"request_data": {
"applicant_segment": {
"first_name": "XXX",
"middle_name": "XXX",
"last_name": "XXX",
"gender": "",
"applicant_id": "",
"dob": {
"dob_dt": "01-01-1900",
"age": "",
"age_as_on": ""
},
"ids": [
{
"type": "ID07",
"value": "XXX"
},
{
"type": "ID03",
"value": "XXX"
}
],
"addresses": [
{
"type": "D08",
"addresstext": "XXX",
"city": "XXX",
"locality": "XXX",
"state": "Kerala",
"pin": "688530",
"country": "India"
}
],
"phones": [
{
"type": "P01",
"value": "0000000000"
}
],
"emails": [
{
"email": "XXX@XXX.XX"
}
],
"account_number": ""
},
"application_segment": {
"inquiry_unique_ref_no": "",
"credit_rpt_id": "",
"credit_rpt_trn_dt_tm": "",
"credit_inq_purps_type": "",
"credit_inquiry_stage": "",
"client_contributor_id": "",
"branch_id": "",
"application_id": "",
"acnt_open_dt": "",
"loan_amt": "",
"ltv": "",
"term": "",
"loan_type": ""
}
},
"report_data": {
"standard_data": {
"demogs": {
"variations": [
{
"type": "NAME-VARIATIONS",
"variation": [
{
"value": "XXX",
"reported_dt": "15-04-2026",
"first_reported_dt": "04-12-2017",
"loan_type_assoc": "Consumer Loan,Personal Loan,Two-Wheeler Loan",
"source_indicator": "PRB,NBF,NBF"
}
]
},
{
"type": "PHONE-VARIATIONS",
"variation": [
{
"value": "0000000000",
"reported_dt": "31-03-2026",
"first_reported_dt": "20-08-2023",
"loan_type_assoc": "Consumer Loan",
"source_indicator": "PRB"
}
]
},
{
"type": "ADDRESS-VARIATIONS",
"variation": [
{
"value": "XXX",
"reported_dt": "31-03-2026",
"first_reported_dt": "20-02-2026",
"loan_type_assoc": "Personal Loan",
"source_indicator": "NBF"
}
]
},
{
"type": "DOB-VARIATIONS",
"variation": [
{
"value": "01-01-1900",
"reported_dt": "15-02-2025",
"first_reported_dt": "21-11-2024",
"loan_type_assoc": "Personal Loan",
"source_indicator": "NBF"
}
]
},
{
"type": "PAN-VARIATIONS",
"variation": [
{
"value": "XXX",
"reported_dt": "30-09-2025",
"first_reported_dt": "20-08-2025",
"loan_type_assoc": "Personal Loan",
"source_indicator": "NBF"
}
]
},
{
"type": "EMAIL-VARIATIONS",
"variation": [
{
"value": "XXX",
"reported_dt": "15-04-2026",
"first_reported_dt": "20-08-2025",
"loan_type_assoc": "Personal Loan",
"source_indicator": "NBF"
}
]
}
]
},
"employment_details": [
{
"employment_detail": {
"occupation": "SELF EMPLOYED",
"first_reported_dt": "28-02-2026",
"last_reported_dt": "31-03-2026",
"acct_type": "Personal Loan",
"source_indicator": "NBF"
}
}
],
"tradelines": [
{
"acct_number": "FLIPKART-141231934",
"credit_grantor": "IDFC",
"credit_grantor_group": null,
"credit_grantor_type": null,
"acct_type": "Consumer Loan",
"reported_dt": "31-07-2024",
"ownership_type": "Individual",
"account_status": "Closed",
"closed_dt": "06-07-2024",
"disbursed_amt": "3,062",
"disbursed_dt": "02-01-2024",
"installment_amt": "545/Monthly",
"credit_limit": null,
"cash_limit": null,
"current_bal": "0",
"installment_frequency": "Monthly",
"original_term": 0,
"term_to_maturity": 0,
"repayment_tenure": "6",
"interest_rate": "0.0",
"actual_payment": "3,280",
"last_payment_dt": "27-06-2024",
"overdue_amt": "0",
"write_off_amt": "0",
"principal_write_off_amt": null,
"settlement_amt": null,
"obligation": null,
"history": [
{
"name": "COMBINED-PAYMENT-HISTORY",
"dates": "Jul:2024|Jun:2024|May:2024|Apr:2024|Mar:2024|Feb:2024|Jan:2024|",
"values": "000/XXX|000/XXX|000/XXX|000/XXX|000/XXX|000/XXX|000/XXX|"
},
{
"name": "HIGH-CREDIT-HISTORY",
"dates": "",
"values": ""
},
{
"name": "CURRENT-BALANCE-HISTORY",
"dates": "",
"values": ""
},
{
"name": "AMT-PAID-HISTORY",
"dates": "",
"values": ""
}
],
"account_remarks": null,
"security_status": "Un-Secured",
"acct_in_dispute": null,
"suit_filed_wilful_default_status": "No Suit filed",
"written_off_settled_status": null,
"write_off_dt": null,
"security_details": [
{
"security_type": null,
"owner_name": null,
"security_valuation": null,
"date_of_valuation": null,
"security_charge": null,
"property_address": null,
"automobile_type": null,
"year_of_manufacturing": null,
"registration_number": null,
"engine_number": null,
"chassie_number": null
}
],
"linked_accounts": [],
"suit_filed_dt": null,
"last_paid_amount": "3,280",
"occupation": "",
"income_frequency": "",
"income_amount": ""
}
],
"inquiry_history": [
{
"lender_name": "FINCFRIENDS PRIVATE LIMITED",
"lender_type": "",
"inquiry_dt": "05-04-2026",
"ownership_type": "PRIMARY",
"credit_inq_purps_type": "Personal Loan",
"credit_inquiry_stage": "",
"amount": "0",
"remark": "",
"loan_type": ""
}
],
"score": [
{
"name": "PERFORM CONSUMER 2.2",
"version": null,
"value": "653",
"description": null,
"factors": [
{
"type": "SF03",
"desc": "No/minimal missed payments in recent past"
},
{
"type": "SF12",
"desc": "Substantial proportion of outstanding balance to disbursed amount"
},
{
"type": "SF32",
"desc": "Considerably high number of self/overall loans disbursed in the recent past"
}
]
}
]
},
"requested_services": null,
"accounts_summary": {
"primary_accounts_summary": {
"number_of_accounts": "23",
"active_accounts": "9",
"overdue_accounts": "0",
"secured_accounts": "1",
"unsecured_accounts": "22",
"untagged_accounts": "0",
"total_current_balance": "0.0",
"current_balance_secured": "0.0",
"current_balance_unsecured": "151705.0",
"total_sanctioned_amt": "0.0",
"total_disbursed_amt": "0.0",
"total_amt_overdue": "0"
},
"secondary_accounts_summary": {
"number_of_accounts": "0",
"active_accounts": "0",
"overdue_accounts": "0",
"secured_accounts": "0.0",
"unsecured_accounts": "0",
"untagged_accounts": "0",
"total_current_balance": "0.0",
"total_sanctioned_amt": "0.0",
"total_disbursed_amt": "0.0",
"total_amt_overdue": "0"
},
"mfi_group_accounts_summary": {
"number_of_accounts": "0",
"active_accounts": "0",
"overdue_accounts": "0",
"closed_accounts": "0",
"no_of_other_mfis": "0",
"no_of_own_mfis": "0",
"total_own_current_balance": "0.0",
"total_own_installment_amt": "0",
"total_own_disbursed_amt": "0.0",
"total_own_overdue_amt": "0.0",
"total_other_current_balance": "0.0",
"total_other_installment_amt": "0",
"total_other_disbursed_amt": "0.0",
"total_other_overdue_amt": "0.0",
"max_worst_delinquency": "0"
},
"additional_summary": [
{
"attr_name": "NUM-GRANTORS",
"attr_value": "16"
},
{
"attr_name": "NUM-GRANTORS-ACTIVE",
"attr_value": "10"
},
{
"attr_name": "NUM-GRANTORS-DELINQ",
"attr_value": "0"
},
{
"attr_name": "NUM-GRANTORS-ONLY-PRIMARY",
"attr_value": "10"
},
{
"attr_name": "NUM-GRANTORS-ONLY-SECONDARY",
"attr_value": "0"
}
],
"perform_attributes": [
{
"attr_name": "INQUIRIES-IN-LAST-SIX-MONTHS",
"attr_value": "10"
},
{
"attr_name": "LENGTH-OF-CREDIT-HISTORY-YEAR",
"attr_value": "2"
},
{
"attr_name": "LENGTH-OF-CREDIT-HISTORY-MONTH",
"attr_value": "11"
}
]
},
"trends": {
"name": "SCORE-HISTORY",
"dates": "31-12-2025|30-09-2025|30-06-2025|31-03-2025|31-12-2024|30-09-2024|30-06-2024|31-03-2024|31-12-2023|30-09-2023|30-06-2023|31-03-2023",
"values": "729|729|760|703|701|724|701|675|724|620|620|620",
"reserved1": "Perform Consumer v2",
"reserved2": null,
"reserved3": null,
"description": "|||||||||||"
},
"alerts": []
}
}
}
crif_json_v2¶
{
"INDV-REPORT-FILE": {
"INDV-REPORTS": {
"INDV-REPORT": {
"HEADER": {
"DATE-OF-REQUEST": "17-04-2026",
"DATE-OF-ISSUE": "17-04-2026",
"REPORT-ID": "",
"BATCH-ID": "",
"inquiryId_": "",
"STATUS": "SUCCESS"
},
"REQUEST": {
"NAME": "",
"DOB": "18-01-2000",
"PAN": "",
"UID": "",
"EMAIL-1": "",
"ADDRESS-1": "adarsh nagar road n 3 sant lawrence i t i Phulwarisharif Patna Phulwarisharif Bihar 801505",
"ADDRESS-2": "",
"ADDRESS-3": "",
"PHONE-1": ""
},
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": {
"VARIATION": [
{
"VALUE": "XXXXX",
"REPORTED-DATE": "15-04-2026"
}
]
},
"ADDRESS-VARIATIONS": {
"VARIATION": [
{
"VALUE": "S/O: SURENDRA CHAUHAN, ADARSH NAGAR, ROAD N 3, SANT LAWRENCE I T I, PHULWARI, PATNA, BIHAR, INDIA, 801505 801505 BR",
"REPORTED-DATE": "15-03-2026"
}
]
},
"PAN-VARIATIONS": {
"VARIATION": {
"VALUE": "XXXXXX",
"REPORTED-DATE": "07-04-2026"
}
},
"UID-VARIATIONS": "",
"OTHER-ID-VARIATIONS": "",
"DRIVING-LICENSE-VARIATIONS": "",
"DATE-OF-BIRTH-VARIATIONS": {
"VARIATION": [
{
"VALUE": "18-01-2000",
"REPORTED-DATE": "31-03-2026"
}
]
},
"VOTER-ID-VARIATIONS": "",
"PASSPORT-VARIATIONS": "",
"PHONE-NUMBER-VARIATIONS": {
"VARIATION": [
{
"VALUE": "00000000000",
"REPORTED-DATE": "31-03-2026"
}
]
},
"RATION-CARD-VARIATIONS": "",
"EMAIL-VARIATIONS": {
"VARIATION": {
"VALUE": "praveenkumar1812000@gmail.com",
"REPORTED-DATE": "07-04-2026"
}
}
},
"SECONDARY-MATCHES": "",
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQURIES-IN-LAST-SIX-MONTHS": "7",
"LENGTH-OF-CREDIT-HISTORY-YEAR": "2",
"LENGTH-OF-CREDIT-HISTORY-MONTH": "5",
"AVERAGE-ACCOUNT-AGE-YEAR": "0",
"AVERAGE-ACCOUNT-AGE-MONTH": "4",
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": "13",
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": "1"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": "15",
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": "12",
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": "1",
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": "15",
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": "0",
"PRIMARY-CURRENT-BALANCE": "0",
"PRIMARY-SANCTIONED-AMOUNT": "0",
"PRIMARY-DISBURSED-AMOUNT": "0"
},
"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": "0.0",
"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": {
"ACCT-TYPE": "Personal Loan",
"DATE-REPORTED": "31-03-2026",
"OCCUPATION": "SALARIED"
}
},
"RESPONSES": {
"RESPONSE": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "TBPL01-60305-1821838",
"CREDIT-GUARANTOR": "TRUE CREDITS PRIVATE LIMITED",
"CREDIT-GRANTOR-GROUP": null,
"CREDIT-GRANTOR-TYPE": null,
"ACCT-TYPE": "Personal Loan",
"DATE-REPORTED": "31-03-2026",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Closed",
"DISBURSED-AMT": "1,221",
"DISBURSED-DT": "05-03-2026",
"LAST-PAYMENT-DATE": "10-03-2026",
"CLOSED-DATE": "10-03-2026",
"INSTALLMENT-AMT": "0/Monthly/Monthly",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"PRINCIPAL-WRITE-OFF-AMT": null,
"SETTLEMENT-AMT": null,
"CURRENT-BAL": "0",
"COMBINED-PAYMENT-HISTORY": "Mar:2026,000/XXX|",
"MATCHED-TYPE": "PRIMARY",
"LINKED-ACCOUNTS": "",
"SECURITY-DETAILS": "",
"SECURITY-STATUS": "Un-Secured",
"ACCOUNT-REMARKS": null,
"ACCT-IN-DISPUTE": null,
"SUIT-FILED-WILFUL-DEFAULT-STATUS": "No Suit filed",
"WRITTEN-OFF-SETTLED-STATUS": null,
"WRITE-OFF-DT": null,
"SUIT-FILED-DT": null,
"LAST-PAID-AMOUNT": "1,313",
"OBLIGATION": null,
"ORIGINAL-TERM": "0",
"TERM-TO-MATURITY": "0",
"ACTUAL-PAYMENT": "1,313",
"REPAYMENT-TENURE": "6",
"INTEREST-RATE": "41.76",
"CREDIT-LIMIT": "",
"CASH-LIMIT": "",
"OCCUPATION": "Salaried",
"INCOME-FREQUENCY": "",
"INCOME-AMOUNT": ""
}
}
]
},
"INQUIRY-HISTORY": {
"HISTORY": [
{
"MEMBER-NAME": "VAIBHAV VYAPAAR PRIVATE LIMITED",
"PURPOSE": "Personal Loan",
"AMOUNT": "0",
"REMARK": "—",
"INQUIRY-DATE": "15-04-2026"
}
]
},
"SCORES": {
"SCORE": {
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "594",
"SCORE-FACTORS": "SF12|SF32|"
}
},
"verificarionScoreList": "",
"PRINTABLE-REPORT": {
"TYPE": "",
"FILE-NAME": "",
"CONTENT": ""
},
"enhanceProCcirFlag": "false",
"ccirFlag": "false"
}
}
}
}
crif_json_v3¶
{
"INDV-REPORT-FILE": {
"INDV-REPORTS": [
{
"INDV-REPORT": {
"HEADER": {
"DATE-OF-REQUEST": "18-04-2026 18:41:57",
"PREPARED-FOR": "",
"PREPARED-FOR-ID": "",
"DATE-OF-ISSUE": "18-04-2026",
"BATCH-ID": "",
"REPORT-ID": ""
},
"REQUEST": {
"NAME": "XXXXX",
"AKA": "",
"DOB": "19-03-1970",
"AGE-AS-ON": "",
"IDS": [
{
"TYPE": "ID07",
"VALUE": "XXXXX"
}
],
"ADDRESSES": {
"ADDRESS": [
"264/2 Byrappa Block Hanuman temple Thyagarajnagar Banashankari II Stage Bengaluru Tyagrajnagar Karnataka India Bengaluru 560070 KA",
"264/2 Byrappa Block Hanuman temple Thyagarajnagar Banashankari II Stage Bengaluru Tyagrajnagar Karnataka India Bengaluru 560071 KA"
]
},
"PHONES": {
"PHONE": [
"XXXXX"
]
},
"EMAILS": {},
"GENDER": "Male",
"BRANCH": "0",
"KENDRA": "",
"MBR-ID": "NBF0004800",
"CREDIT-INQ-PURPS-TYP": "ACCT-ORIG",
"CREDIT-INQ-PURPS-TYP-DESC": "A01",
"CREDIT-INQUIRY-STAGE": "PRE-DISB",
"CREDIT-RPT-ID": "0",
"CREDIT-REQ-TYP": "INDV",
"CREDIT-RPT-TRN-DT-TM": "18-04-2026 18:41:57",
"LOS-APP-ID": "a7d9e05b-b8ba-448e-9abf-2ab9fd015327",
"LOAN-AMOUNT": "0",
"MFI-IND": "TRUE",
"MFI-SCORE": "FALSE",
"MFI-GROUP": "FALSE",
"CNS-IND": "TRUE",
"CNS-SCORE": "PERFORM-CONSUMER",
"IOI": "TRUE"
},
"STATUS-DETAILS": [
{
"OPTION": "CNS-SCORE",
"OPTION-STATUS": "SUCCESS"
},
{
"OPTION": "MFI-INDV",
"OPTION-STATUS": "NO RESPONSE FOUND",
"ERRORS": [
{}
]
},
{
"OPTION": "CNS_INDV",
"OPTION-STATUS": "SUCCESS"
},
{
"OPTION": "INQUIRY-HISTORY",
"OPTION-STATUS": "SUCCESS"
}
],
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": [
{
"VALUE": "XXXX",
"REPORTED-DATE": "31-03-2026"
}
],
"ADDRESS-VARIATIONS": [
{
"VALUE": "201ST FLR9TH MNTATA SILK FORM BASAVANAGUDIBANGALORE NEAR FORUM BANGALORE 560004 KA",
"REPORTED-DATE": "15-04-2026"
}
],
"PAN-VARIATIONS": [
{
"VALUE": "XXXXXX",
"REPORTED-DATE": "15-04-2026"
}
],
"DRIVING-LICENSE-VARIATIONS": [
{
"VALUE": "XXXXX",
"REPORTED-DATE": "31-03-2026"
}
],
"DATE-OF-BIRTH-VARIATIONS": [
{
"VALUE": "19-03-1970",
"REPORTED-DATE": "15-04-2026"
}
],
"VOTER-ID-VARIATIONS": [],
"PASSPORT-VARIATIONS": [],
"PHONE-NUMBER-VARIATIONS": [
{
"VALUE": "XXXXX",
"REPORTED-DATE": "31-12-2018"
}
],
"RATION-CARD-VARIATIONS": [],
"EMAIL-VARIATIONS": [
{
"VALUE": "nomail@nomail.com",
"REPORTED-DATE": "30-04-2021"
}
],
"NREGA-VARIATIONS": [],
"CKYC-VARIATIONS": []
},
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQUIRIES-IN-LAST-SIX-MONTHS": 0,
"LENGTH-OF-CREDIT-HISTORY-YEAR": 16,
"LENGTH-OF-CREDIT-HISTORY-MONTH": 8,
"AVERAGE-ACCOUNT-AGE-YEAR": 3,
"AVERAGE-ACCOUNT-AGE-MONTH": 6,
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": 10,
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": 1,
"TOTAL-WRITTEN-OFF-ACCOUNTS": 2,
"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-SETTLED-ACCOUNTS": 0,
"TOTAL-WRITTEN-OFF-AMOUNT": "0",
"TOTAL-SETTLED-AMOUNT": "0"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": 61,
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": 18,
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": 4,
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": 26,
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": 35,
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": 0,
"PRIMARY-CURRENT-BALANCE": "38,16,171",
"PRIMARY-SANCTIONED-AMOUNT": "46,38,900",
"PRIMARY-DISBURSED-AMOUNT": "46,38,900"
},
"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"
}
},
"ALERTS": [
{
"ALERT-DESC": "NO"
}
],
"SCORES": [
{
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "510",
"SCORE-FACTORS": "SF02|SF04|SF06|SF12|"
}
],
"INQUIRY-HISTORY": [
{
"MEMBER-NAME": "NAB",
"INQUIRY-DATE": "16-05-2024",
"PURPOSE": "OTHER",
"AMOUNT": "4,50,000",
"REMARK": ""
}
],
"RESPONSES": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "XXXX",
"CREDIT-GUARANTOR": "NAB",
"ACCT-TYPE": "Personal Loan",
"DATE-REPORTED": "31-01-2026",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Closed",
"DISBURSED-AMT": "2,50,000",
"DISBURSED-DATE": "05-08-2021",
"LAST-PAYMENT-DATE": "02-01-2026",
"CLOSED-DATE": "02-01-2026",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "0",
"SECURITY-STATUS": "Un-secured",
"ORIGINAL-TERM": "120",
"ACCT-IN-DISPUTE": "",
"CURRENT-BALANCE-HISTORY": "Jan:2026,0|Dec:2025,1,61,450|Nov:2025,1,63,219|Oct:2025,1,67,223|Sep:2025,1,68,894|Aug:2025,1,69,877|Jul:2025,1,72,877|Jun:2025,1,75,269|May:2025,1,77,186|Apr:2025,1,79,055|Mar:2025,1,80,950|Feb:2025,1,82,796|",
"AMT-PAID-HISTORY": "Jan:2026,1,64,545|Dec:2025,2,980|Nov:2025,1,78,254|Oct:2025,10,999|Sep:2025,10,016|Aug:2025,7,016|Jul:2025,4,624|Jun:2025,2,949|May:2025,2,949|Apr:2025,2,948|Mar:2025,2,949|Feb:2025,2,952|",
"COMBINED-PAYMENT-HISTORY": "Jan:2026,000/STD|Dec:2025,000/STD|Nov:2025,000/STD|Oct:2025,106/SUB|Sep:2025,075/SUB|Aug:2025,045/SUB|Jul:2025,014/SUB|Jun:2025,000/DBT|May:2025,000/DBT|Apr:2025,000/DBT|Mar:2025,000/DBT|Feb:2025,000/DBT|Jan:2025,000/DBT|Dec:2024,000/DBT|Nov:2024,000/DBT|Oct:2024,000/STD|Sep:2024,000/STD|Aug:2024,000/STD|Jul:2024,000/STD|Jun:2024,000/STD|May:2024,000/STD|Apr:2024,000/STD|Mar:2024,000/STD|Feb:2024,000/STD|Jan:2024,000/STD|Dec:2023,000/STD|Nov:2023,000/STD|Oct:2023,000/STD|Sep:2023,000/STD|Aug:2023,000/STD|Jul:2023,000/STD|Jun:2023,000/STD|May:2023,000/STD|Apr:2023,000/STD|Mar:2023,000/STD|Feb:2023,000/STD|",
"MATCHED-TYPE": "PRIMARY",
"ACTUAL-PAYMENT": "1,64,545",
"INSTALLMENT-AMT": "3,004/Monthly",
"SECURITY-DETAILS": [],
"LINKED-ACCOUNTS": [],
"INTEREST-RATE": "7.0",
"OCCUPATION": "Salaried",
"INCOME-FREQUENCY": "Annual",
"INCOME-AMOUNT": "1,50,001"
}
}
],
"INDV-RESPONSES": {
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"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OWN-MFIS": 0,
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},
"SECONDARY-SUMMARY": {
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"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
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},
"INDIVIDUAL-SUMMARY": {
"STATUS": "SUCCESS",
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"NO-OF-OTHER-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-DEFAULT-ACCOUNTS": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
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"NO-OF-OWN-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0,
"OWN-MFI-INDECATOR": false
},
"DERIVED-ATTRIBUTES": {
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"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-WRITTEN-OFF-AMOUNT": "0"
},
"INDV-RESPONSE-LIST": {}
},
"ADDITIONAL-VARIABLES": {}
}
}
]
}
}