API Reference

Supported Credit Policy Parameters

We support a large number of variables from the credit reports. Details below.

S. NoParameter NameComment
1.credit_scoreThe credit score of the customer.
2.monthly_emiCurrent estimated monthly EMI of the customer from the credit report.

The estimation is done via AI, trained on lakhs of credit reports.
3.num_cc_current_dpd_gte_30The number of credit card accounts with current DPD >= 30.

Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report.

Only Active credit card accounts which have a DPD reported in the last 3 months are considered.

Note that 30 can be replaced by any number you want.
4.num_other_current_dpd_gte_30The number of non-credit card accounts with current DPD >= 30.

Note that current DPD for an account is the last DPD seen in the credit report of account.

Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered.

Note that 30 can be replaced by any number you want.
5.num_cc_last_dpd_gte_30The number of credit card accounts with last DPD >= 30.

Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report.

Only Active credit card accounts which have a DPD reported in the last 3 months are considered.

Note that 30 can be replaced by any number you want.
6.num_other_last_dpd_gte_30The number of non-credit card accounts with last DPD >= 30.

Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report.

Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered.

Note that 30 can be replaced by any number you want.
7.max_dpd_more_than_60_months_old_ccMaximum DPD in all credit card accounts reported more than 5 years ago.

Note that 60 can be replaced by any number you want.
8.max_dpd_more_than_60_months_old_otherMaximum DPD in all non-credit card accounts reported more than 5 years ago.

Note that 60 can be replaced by any number you want.
9.max_dpd_last_60_months_otherMaximum DPD in all non-credit card accounts reported in the last 5 years.

Note that 60 can be replaced by any number you want.
10.max_dpd_last_60_months_ccMaximum DPD in all credit card accounts reported in the last 5 years.

Note that 60 can be replaced by any number you want.
11.max_dpd_last_12_months_cc_otherMaximum DPD in all accounts reported in last 1 year.

Note that 12 can be replaced by any number you want.
12.num_consecutive_dpd_last_36_months_gt_50The number of consecutive DPDs > 50 seen in last 3 years.

Note that 36 and 50 can be replaced by any number you want.
13.current_dpd_otherCurrent DPD across all non-credit card accounts.

Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report.

Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
14.current_dpd_ccCurrent DPD across all credit card accounts.

Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report.

Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
15.current_dpd_cc_otherCurrent DPD across all accounts.

Note that current DPD for an account is the maximum DPD seen in the last 3 months from pulling the credit report.

Only Active accounts which have a DPD reported in the last 3 months are considered.
16.last_dpd_otherLast DPD across all non-credit card account.

Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report.

Only Active non-credit card accounts which have a DPD reported in the last 3 months are considered.
17.last_dpd_ccLast DPD across all credit card account.

Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report.

Only Active credit card accounts which have a DPD reported in the last 3 months are considered.
18.last_dpd_cc_otherLast DPD across all accounts.

Note that last DPD for an account is the last DPD seen in the last 3 months from pulling the credit report.

Only Active accounts which have a DPD reported in the last 3 months are considered.
19.num_written_off_accountsThe number of accounts which are written off.
20.total_overdue_ccThe total current overdue amount for credit cards.
21.total_overdue_otherThe total current overdue amount for non-credit cards.
22.total_overdue_cc_otherTotal overdue across all accounts.
23.dual_panIf dual PAN is seen on the credit report or not.
24.credit_ageCredit age of the customer, i.e., the number of months since the first account was opened until the time report is pulled.
25.num_credit_data_pointsThe number of the credit data point, i.e., the number of DPD points which are available in the report.
26.percentage_dpds_lt_50percentage of DPD reportings less than 50.

Note that 50 can be replaced with any number you want.
27.residing_in_this_pincode_sinceNumber of months since the customer has an address with the current pin code.
28.is_ntcWhether the customer is NTC or not per the credit report.
29.total_number_of_accountsTotal number of accounts in the credit report.
30.number_of_active_accountsNumber of active accounts in the credit report.
31.number_of_closed_accountsNumber of closed accounts in the credit report.
32.number_of_sf/wd/wo/settled_accountsNumber of sf/wd/wo/settled accounts in the credit report.
33.total_current_balance_amountTotal current balance of all accounts in the credit report.
34.sf/wd/wo/settled_amountTotal current balance of sf/wd/wo/settled accounts in the credit report.
35.secured_accounts_amountTotal current balance of secured accounts in the credit report.
36.unsecured_accounts_amountTotal current balance of unsecured accounts in the credit report.
37.credit_enquiry_last_7_daysNumber of credit enquiries in the last 7 days.
38.credit_enquiry_last_30_daysNumber of credit enquiries in the last 30 days.
39.credit_enquiry_last_90_daysNumber of credit enquiries in the last 90 days.
40.credit_enquiry_last_180_daysNumber of credit enquiries in the last 180 days.
41.non_credit_enquiry_last_7_daysNumber of non-credit enquiries in the last 7 days.
42.non_credit_enquiry_last_30_daysNumber of non-credit enquiries in the last 30 days.
43.non_credit_enquiry_last_90_daysNumber of non-credit enquiries in the last 90 days.
44.non_credit_enquiry_last_180_daysNumber of non-credit enquiries in the last 180 days.