CRILC Data API Access CRILC Credit Information Through an API
Retrieve structured CRILC-related borrower credit information to support credit assessment, lending decisions, risk monitoring, and financial due diligence through a developer-friendly API.
CRILC (Central Repository of Information on Large Credits) is an RBI repository used for collecting and disseminating information on large credit exposures. RBI’s current reporting framework covers borrowers with aggregate fund-based and non-fund-based exposure of ₹5 crore and above for applicable reporting entities.
End-to-End Flow
Submit Borrower Details
Validate Request
Retrieve CRILC Information
Process Credit Data
Generate CRILC Report
Analyze Credit Exposure
Integrate Into Workflow
Key Capabilities
Borrower Credit Information
Retrieve available CRILC-related information associated with the borrower.
Large Credit Exposure
Access reported information relating to significant credit exposures.
SMA Information
Support workflows that need Special Mention Account indicators and related credit-status information.
Structured Credit Data
Receive information in a machine-readable format suitable for automated processing.
Credit Risk Assessment
Use CRILC information as one input into borrower and credit-risk evaluation.
Portfolio Monitoring
Integrate CRILC-related information into ongoing borrower and portfolio monitoring workflows.
Bulk Processing
Support high-volume borrower checks where bulk processing is enabled.
API Integration
Integrate directly with lending, underwriting, compliance, and risk-management platforms.
Use Cases
Digital Lending & Underwriting
Use borrower credit information as part of loan assessment and underwriting workflows.
Credit Risk Assessment
Support credit teams in reviewing reported large-credit exposures and related indicators.
Corporate Lending
Strengthen borrower due diligence for business and corporate lending.
Developer Experience
Simple API Integration
Connect through standard API requests and receive structured JSON responses.
Machine-Readable Data
Designed for easy processing by lending, risk, and financial applications.
Secure Processing
Build CRILC data retrieval into controlled and authenticated financial workflows.
Workflow Ready
Integrate with existing LOS, LMS, underwriting, CRM, and risk engines.
Suggested Input
Illustrative structure replace with your production schema if different.
{
"pan_number": "ABCDE1234F",
"mobile_number": "98XXXXXX21"
}Suggested Output
Illustrative response structure.
{
"client_id": "FINXXXXXX",
"pan_number": "ABCDE1234F",
"borrower_name": "XXXXXXXX",
"credit_exposure": "XXXXXXXX",
"exposure_status": "AVAILABLE",
"sma_status": "NO_SMA",
"reporting_status": "REPORTED",
"verification_status": "SUCCESS"
}Note: Exact fields and values should follow the actual CRILC API response schema available in your FinAnalyz implementation.
Frequently Asked Questions
What is the CRILC Data API?
The CRILC Data API is designed to provide structured access to available CRILC-related borrower credit information for financial assessment and risk workflows.
What is CRILC?
CRILC stands for Central Repository of Information on Large Credits. RBI established CRILC to collect, store, and disseminate information on large credit exposures and support supervisory and credit-risk processes.
What type of information can be retrieved?
Depending on the available data and API implementation, the response can include borrower information, reported credit exposure, credit-status indicators, and other relevant CRILC-related information.
Who can use CRILC data?
CRILC-related information can support banks, NBFCs, lenders, fintech companies, credit teams, and financial institutions in applicable credit and risk-management workflows.
Can CRILC information be used for credit assessment?
Yes. CRILC information can be incorporated as one source of information in borrower assessment, credit underwriting, risk monitoring, and due-diligence workflows. RBI has described CRILC as supporting the collection and dissemination of borrower credit-exposure information.
Does CRILC cover all borrowers?
No. CRILC reporting is focused on applicable large-credit exposures. RBI's current reporting framework identifies ₹5 crore and above as the threshold for the relevant CRILC reporting returns.
Can the API be integrated with an LOS or LMS?
Yes. The API can be integrated into loan origination, underwriting, risk assessment, and loan-management workflows.