Credibility Check

Generate Report

Generate Credit Report

POST https://secctrl.tutelar.io/api/v1/services/business_profile/credit_report

Sample Request Body

{
    "first_name": "Gowtham",
    "last_name": "R",
    "pan": "CNPPG4873D",
    "gender_code": "1",
    "mobile": "6382526132",
    "date_of_birth": "10/07/1999",
    "address_line1": "Chennai",
    "address_line2": "Guindy",
    "city": "Guindy",
    "state_code": "33",
    "pincode": "600032"
}

200: Success Response

{
    "success": true,
    "code": 200,
    "message": "Document verification completed successfully.",
    "status": "completed",
    "reference_id": "2d9c0094-6219-4689-8cd2-1de4449e14b3",
    "result": {
        "INProfileResponse": {
            "CAIS_Account": {
                "CAIS_Summary": {
                    "Credit_Account": {
                        "CADSuitFiledCurrentBalance": 0,
                        "CreditAccountActive": 3,
                        "CreditAccountClosed": 1,
                        "CreditAccountDefault": 0,
                        "CreditAccountTotal": 4
                    },
                    "Total_Outstanding_Balance": {
                        "Outstanding_Balance_All": 754824,
                        "Outstanding_Balance_Secured": 0,
                        "Outstanding_Balance_Secured_Percentage": 0,
                        "Outstanding_Balance_UnSecured": 754824,
                        "Outstanding_Balance_UnSecured_Percentage": 100
                    }
                }
            },
            "CAPS": {
                "CAPS_Summary": {
                    "CAPSLast180Days": 2,
                    "CAPSLast30Days": 0,
                    "CAPSLast7Days": 0,
                    "CAPSLast90Days": 0
                }
            },
            "CreditProfileHeader": {
                "CustomerReferenceID": "",
                "Enquiry_Username": "********",
                "ReportDate": 20231219,
                "ReportNumber": 1702993640951,
                "ReportTime": 191721,
                "Subscriber": "",
                "Subscriber_Name": "********",
                "Version": "V2.4"
            },
            "Current_Application": {
                "Current_Application_Details": {
                    "Amount_Financed": 0,
                    "Current_Applicant_Additional_AddressDetails": "",
                    "Current_Applicant_Address_Details": {
                        "BldgNoSocietyName": "",
                        "City": "Timiri",
                        "Country_Code": "IB",
                        "FlatNoPlotNoHouseNo": "45 KANTHASAM STREET TIMIRI,",
                        "Landmark": "",
                        "PINCode": 632512,
                        "RoadNoNameAreaLocality": "",
                        "State": 33
                    },
                    "Current_Applicant_Details": {
                        "Date_Of_Birth_Applicant": 19990710,
                        "Driver_License_Expiration_Date": "",
                        "Driver_License_Issue_Date": "",
                        "Driver_License_Number": "",
                        "EMailId": "",
                        "First_Name": "GOWTHAM",
                        "Gender_Code": 1,
                        "IncomeTaxPan": "CNPPG4873D",
                        "Last_Name": "R",
                        "Middle_Name1": "",
                        "Middle_Name2": "",
                        "Middle_Name3": "",
                        "MobilePhoneNumber": 6382526132,
                        "PAN_Expiration_Date": "",
                        "PAN_Issue_Date": "",
                        "Passport_Expiration_Date": "",
                        "Passport_Issue_Date": "",
                        "Passport_Number": "",
                        "Ration_Card_Expiration_Date": "",
                        "Ration_Card_Issue_Date": "",
                        "Ration_Card_Number": "",
                        "Telephone_Extension": "",
                        "Telephone_Number_Applicant_1st": 0,
                        "Telephone_Type": "",
                        "Universal_ID_Expiration_Date": "",
                        "Universal_ID_Issue_Date": "",
                        "Universal_ID_Number": "",
                        "Voter_ID_Expiration_Date": "",
                        "Voter_ID_Issue_Date": "",
                        "Voter_s_Identity_Card": ""
                    },
                    "Current_Other_Details": {
                        "Employment_Status": "",
                        "Income": 0,
                        "Marital_Status": "",
                        "Number_of_Major_Credit_Card_Held": 0,
                        "Policy": "",
                        "Time_with_Employer": ""
                    },
                    "Duration_Of_Agreement": 0,
                    "Enquiry_Reason": 13,
                    "Finance_Purpose": 99
                }
            },
            "Header": {
                "MessageText": "",
                "ReportDate": 20231219,
                "ReportTime": 191721,
                "SystemCode": 0
            },
            "Match_result": {
                "Exact_match": "Y"
            },
            "NonCreditCAPS": {
                "NonCreditCAPS_Summary": {
                    "NonCreditCAPSLast180Days": 0,
                    "NonCreditCAPSLast30Days": 0,
                    "NonCreditCAPSLast7Days": 0,
                    "NonCreditCAPSLast90Days": 0
                }
            },
            "SCORE": {
                "BureauScore": 764,
                "BureauScoreConfidLevel": ""
            },
            "TotalCAPS_Summary": {
                "TotalCAPSLast180Days": 2,
                "TotalCAPSLast30Days": 0,
                "TotalCAPSLast7Days": 0,
                "TotalCAPSLast90Days": 0
            },
            "UserMessage": {
                "UserMessageText": "Normal Response"
            }
        }
    },
    "requested_at": "2023-12-19T13:47:17.860Z",
    "completed_at": "2023-12-19T13:47:21.381Z"
}

200: Failure Response

{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "8e22a730-b2dc-45b8-8532-91c076ca432c",
    "status": "failed",
    "error": {
        "message": "Invalid details.",
        "code": "ERROR"
    },
    "requested_at": "2024-03-14T11:13:58.757Z",
    "completed_at": "2024-03-14T11:13:58.969Z"
}

400: Validation Error Response

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Invalid mobile",
        "field": "mobile",
        "code": "BAD_REQUEST"
    }
}