CIBIL Bureau Integration
CIBIL Bureau Data. Architected for Live Connectivity. Instantly Structured.
AgenticLending provides a production-ready CIBIL integration framework — built to connect to CIBIL commercial and consumer credit reports as part of the agentic credit decisioning pipeline. Structured bureau data flows directly into your credit engine the moment bureau connectivity is live.
How It Works
Bureau Data, Parsed and Ready in Seconds
The CIBIL integration pipeline processes commercial credit information reports (CCIRs) and consumer reports for directors and guarantors — parsing every field into structured data your risk model can consume immediately.
Commercial Credit Reports
Architected for CIBIL Commercial Credit Information Reports (CCIRs) for companies and partnerships — including credit score, outstanding facilities, DPD history, and suit-filed accounts.
Consumer Reports for Directors
Processes individual CIBIL reports for directors, proprietors, and guarantors — surfacing personal credit history, loan obligations, and credit health in one step.
Structured DPD History
Extracts days-past-due (DPD) history across all active and closed accounts, normalised into a timeline view that flags consecutive defaults and historical stress periods.
Enquiry Analysis
Analyses recent bureau enquiry patterns to detect credit-seeking behaviour — a critical signal for detecting distressed borrowers shopping for emergency credit.
Suit-Filed & Written-Off Accounts
Identifies suit-filed, written-off, and settled accounts with lender names, amounts, and dates — automatically flagged for credit committee attention.
Consent & Audit Trail
Every bureau pull is logged with borrower consent details, timestamp, and purpose — fully compliant with RBI data access guidelines and internal audit requirements.
Key Outputs
What Your Credit Team Sees
Structured CIBIL data is formatted for direct insertion into your credit memo — no manual re-entry, no missed fields.
Credit Score Summary
CIBIL score with historical trend, score band classification, and key factors affecting the score — for both entity and directors.
Facility Exposure Table
All active credit facilities with lender names, sanctioned amounts, outstanding balances, tenure, and current DPD status — formatted for credit memo.
DPD Heatmap
24-month rolling DPD matrix across all facilities — colour-coded by severity for fast credit committee review.
Risk Flag Summary
Consolidated list of bureau red flags: suit-filed accounts, write-offs, high enquiry frequency, and director-level adverse history.
Compliance & Data Security
RBI-Compliant Bureau Access
The integration framework is designed around RBI credit information access guidelines. Consent is captured before each bureau query, access is purpose-limited, and every request is logged with a full audit trail. Data is encrypted in transit and at rest, with access controls aligned to your institution's role-based permissions.
Consent Management
Borrower consent captured and stored with each pull — timestamp, purpose, and consent reference linked to the application record.
Encrypted Data Handling
Bureau data encrypted in transit (TLS 1.3) and at rest — never stored beyond the retention period required by your data governance policy.
Full Query Log
Immutable log of every bureau query: who initiated it, when, for which application, and what data was returned — queryable for internal audits.
Ready to Transform Your Credit Decisioning?
The platform is live. Try it now or book a 30-minute guided walkthrough.