200+ credit bureau variables, derived inside the same ontology as your decision engine and ECL model. No feature drift between underwriting and monitoring.
Schedule DemoEverything you need to leverage bureau data for better credit decisions
Connect to CIBIL, CRIF, Experian, and Equifax through one unified API with standardised responses.
Get 200+ pre-computed features including payment patterns, utilization trends, and risk indicators.
Smart fallback and aggregation logic to maximize hit rates and data quality.
Sub-second bureau pulls with intelligent caching to balance freshness and costs.
Historical bureau data tracking to identify improving or deteriorating credit profiles.
Detect velocity anomalies, synthetic IDs, and suspicious patterns across bureaus.
See how FINVIJ transforms raw bureau data into actionable credit insights
Integrated with all major credit bureaus in India
India's first credit bureau
Comprehensive credit data
Global credit expertise
Advanced analytics
Derived Features
Avg Response Time
API Uptime
Bureaus Connected
Leverage bureau data across the entire credit lifecycle
Soft pulls to pre-screen applicants before formal application, improving conversion without impacting scores.
Full bureau reports with derived variables for comprehensive credit assessment and decisioning.
Periodic bureau refreshes to identify early warning signals and manage portfolio risk.
Bureau insights to segment delinquent accounts and optimise collection approaches.
Get started with our Bureau API in minutes. Standardised request/response format across all bureaus.
// Fetch unified bureau report const response = await finvij.bureau.fetch({ pan: "ABCDE1234F", bureaus: ["cibil", "crif"], include_derived: true }); // Access standardised data console.log(response.score); // 742 console.log(response.active_loans); // 3 console.log(response.dpd_max_12m); // 0
Trade-line depth and mix, delinquency patterns and cure behaviour, enquiry velocity and recency, utilisation trends, account vintage, and cross-bureau consistency checks — computed once, inside FINVIJ's ontology, so a variable means the same thing in your origination scorecard, your Nirnaya decision, and your PramanaRiskAI ECL model.
A bureau API aggregator gives you data. FINVIJ's bureau layer gives you features that mean the same thing everywhere — because they are computed from the same entity definitions.
Bureau data is processed inside your perimeter. Zero egress to third-party cloud infrastructure — DPDP-aligned by design.
Get unified access to all major credit bureaus with advanced analytics
