/verify/indian_credit
1. 接口说明
2. 请求参数
3. 返回参数
4. 错误码
5. 示例
1. 接口说明
该接口用于查询印度人的征信情况。
请求方法
POST
请求地址
https://cloudapi.accuauth.in/verify/indian_credit
Debugging Tool
2. 请求参数
2.1 请求头
2.2 请求体
| 是否必填 |
字段 |
类型 |
描述 |
| 是 |
pan |
string |
PAN 号码 |
| 是 |
name |
string |
姓名 |
| 是 |
phone |
string |
手机号码（不含国码） |
3. 返回参数
| 字段 |
类型 |
描述 |
| request_id |
string |
每次请求的唯一 ID |
| status |
string |
返回状态，成功为 OK，失败参考 错误码 |
| result |
object |
验证结果 |
3.1 `result` 对象内字段
| 字段 |
类型 |
描述 |
| credit_score |
string |
征信报告得分（300--900区间） |
| credit_report |
object |
征信报告详情 |
| name |
string |
PAN 持有人名 |
| mobile |
string |
持有人手机号码 |
| pan |
string |
PAN 号码 |
| client_id |
string |
本次征信请求唯一ID |
1. 信用评分（SCORE）
路径：result.credit_report.SCORE
| 字段 |
类型 |
说明 |
| FCIREXScore |
Number |
Experian 提供的综合信用评分（300--900 区间） |
| FCIREXScoreConfidLevel |
String |
信用评分置信区间 |
2. CAPS 查询统计（TotalCAPS_Summary）
表示最近一段时间内的查询次数。
| 字段 |
类型 |
说明 |
| TotalCAPSLast7Days |
Number |
最近 7 天查询数量 |
| TotalCAPSLast30Days |
Number |
最近 30 天查询数量 |
| TotalCAPSLast90Days |
Number |
最近 90 天查询数量 |
| TotalCAPSLast180Days |
Number |
最近 180 天查询数量 |
| 字段 |
类型 |
说明 |
| ReportDate |
Number |
报告生成日期 |
| ReportTime |
Number |
报告时间 |
| ReportNumber |
Number |
报告编号 |
| Version |
String |
报告格式版本 |
4. 非信贷查询（NonCreditCAPS）
CAPS_Application_Details
| 字段 |
说明 |
| Date_of_Request |
查询日期 |
| ReportTime |
查询时间 |
| Subscriber_code |
查询方代码 |
| Subscriber_Name |
查询方名称 |
| Enquiry_Reason |
查询原因代码 |
| Amount_Financed |
金额 |
| Duration_Of_Agreement |
协议期限 |
| Finance_Purpose |
用途代码 |
| ReportNumber |
报告编号 |
NonCreditCAPS_Summary
| 字段 |
说明 |
| NonCreditCAPSLast7Days |
最近 7 天非信贷查询次数 |
| NonCreditCAPSLast30Days |
最近 30 天非信贷查询次数 |
| NonCreditCAPSLast90Days |
最近 90 天非信贷查询次数 |
| NonCreditCAPSLast180Days |
最近 180 天非信贷查询次数 |
5. 信贷账户信息（CAIS_Account）
CAIS_Summary
Total_Outstanding_Balance
| 字段 |
说明 |
| Outstanding_Balance_All |
所有账户未结清总余额 |
| Outstanding_Balance_Secured |
有抵押贷款余额 |
| Outstanding_Balance_UnSecured |
无抵押贷款余额 |
| Outstanding_Balance_Secured_Percentage |
有抵押占比 |
| Outstanding_Balance_UnSecured_Percentage |
无抵押占比 |
Credit_Account
| 字段 |
说明 |
| CreditAccountTotal |
总账户数量 |
| CreditAccountActive |
正在使用的账户 |
| CreditAccountClosed |
已关闭账户 |
| CreditAccountDefault |
违约账户数量 |
| CADSuitFiledCurrentBalance |
已诉讼账户欠款余额 |
CAIS_Account_DETAILS
账户级别字段说明：
| 字段 |
说明 |
| Open_Date |
开户日期 |
| Account_Type |
账户类型 |
| Portfolio_Type |
分期/循环信用 |
| CurrencyCode |
货币代码 |
| Account_Number |
账号（脱敏） |
| Account_Status |
状态代码，详见 6. 状态代码对照 |
| Date_Reported |
上报日期 |
| Date_Closed |
关闭日期 |
| Rate_of_Interest |
利率 |
| Repayment_Tenure |
贷款期限 |
| Income |
申报收入 |
| Highest_Credit_or_Original_Loan_Amount |
授信额度/贷款额 |
Account_Review_Data
| 字段 |
说明 |
| Year / Month |
年月 |
| Credit_Limit_Amount |
信用额度 |
| Current_Balance |
当前余额 |
| Amount_Past_Due |
逾期金额 |
| EMI_Amount |
每月应还 |
| Actual_Payment_Amount |
实际还款 |
| Account_Status |
状态代码 |
Payment_History_Profile
CAIS_Account_History
| 字段 |
说明 |
| Days_Past_Due |
每月的 DPD |
| Asset_Classification |
S/L/D（正常/次级/可疑） |
6. 状态代码对照
| 代码 |
含义 |
| 11 |
正常开放 |
| 13 |
已关闭 |
| 84 |
严重逾期 |
| 0 |
正常 |
| 6 |
逾期 |
| 900 |
超长逾期 |
| S / L / D |
正常 / 次级 / 可疑 |
返回示例
{
"status": "OK",
"result": {
"credit_score": 502,
"credit_report": {
"SCORE": {
"FCIREXScore": 502,
"FCIREXScoreConfidLevel": ""
},
"TotalCAPS_Summary": {
"TotalCAPSLast90Days": "11",
"TotalCAPSLast7Days": "11",
"TotalCAPSLast30Days": "11",
"TotalCAPSLast180Days": "11"
},
"CreditProfileHeader": {
"ReportTime": 152654,
"Version": "V2.4",
"ReportNumber": 1763373413337,
"ReportDate": 20251117
},
"NonCreditCAPS": {
"CAPS_Application_Details": [
{
"Date_of_Request": "20240122",
"ReportTime": "072253",
"Subscriber_code": "OTHXXXXXXXX",
"Enquiry_Reason": "99",
"Amount_Financed": "0",
"ReportNumber": "1705888373007",
"Duration_Of_Agreement": "0",
"Finance_Purpose": "99",
"Subscriber_Name": "XXXXXXXXXX"
},
{
"Date_of_Request": "20230601",
"ReportTime": "134329",
"Subscriber_code": "OTHXXXXXXXX",
"Enquiry_Reason": "99",
"Amount_Financed": "0",
"ReportNumber": "1685607209410",
"Duration_Of_Agreement": "0",
"Finance_Purpose": "99",
"Subscriber_Name": "XXXXXXXXXX"
},
{
"Date_of_Request": "20230526",
"ReportTime": "075858",
"Subscriber_code": "OTHXXXXXXXX",
"Enquiry_Reason": "99",
"Amount_Financed": "0",
"ReportNumber": "1685068138710",
"Duration_Of_Agreement": "0",
"Finance_Purpose": "99",
"Subscriber_Name": "XXXXXXXXXX"
}
],
"NonCreditCAPS_Summary": {
"NonCreditCAPSLast30Days": "11",
"NonCreditCAPSLast180Days": "11",
"NonCreditCAPSLast90Days": "11",
"NonCreditCAPSLast7Days": "11"
}
},
"CAIS_Account": {
"CAIS_Summary": {
"Total_Outstanding_Balance": {
"Outstanding_Balance_Secured": "0",
"Outstanding_Balance_UnSecured_Percentage": "100",
"Outstanding_Balance_All": "539487",
"Outstanding_Balance_Secured_Percentage": "0",
"Outstanding_Balance_UnSecured": "539487"
},
"Credit_Account": {
"CreditAccountActive": "2",
"CreditAccountClosed": "9",
"CreditAccountDefault": "0",
"CreditAccountTotal": "11",
"CADSuitFiledCurrentBalance": "0"
}
},
"CAIS_Account_DETAILS": [
{
"AccountHoldertypeCode": "1",
"LitigationStatusDate": "",
"Open_Date": "20240611",
"Account_Type": "07",
"Income": "",
"Subscriber_comments": "",
"CurrencyCode": "INR",
"CAIS_Holder_Details": [
{
"Income_TAX_PAN": "AXSPT*****",
"Surname_Non_Normalized": "ROHIT TYAGI",
"Alias": "",
"Gender_Code": "1",
"Date_of_birth": "19870214",
"First_Name_Non_Normalized": "",
"Voter_ID_Number": "",
"Middle_Name_1_Non_Normalized": "",
"Middle_Name_3_Non_Normalized": "",
"Middle_Name_2_Non_Normalized": "",
"Passport_Number": ""
}
],
"Payment_History_Profile": "210000000???????????????????????????",
"Portfolio_Type": "I",
"DateOfAddition": "20240630",
"Payment_Rating": "0",
"Value_of_Collateral": "",
"Occupation_Code": "",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Review_Data": [
{
"Month": "3",
"Credit_Limit_Amount": "82032",
"Amount_Past_Due": "0",
"EMI_Amount": "",
"Year": "2025",
"Actual_Payment_Amount": "",
"Current_Balance": "0",
"Cash_Limit": "",
"Account_Status": "13"
}
],
"Credit_Limit_Amount": "",
"Written_off_Settled_Status": "",
"Written_Off_Amt_Total": "",
"SuitFiled_WillfulDefault": "",
"Promotional_Rate_Flag": "",
"CAIS_Account_History": [
{
"Days_Past_Due": "0",
"Month": "03",
"Asset_Classification": "?",
"Year": "2025"
},
{
"Days_Past_Due": "80",
"Month": "02",
"Asset_Classification": "?",
"Year": "2025"
},
{
"Days_Past_Due": "52",
"Month": "01",
"Asset_Classification": "?",
"Year": "2025"
},
{
"Days_Past_Due": "21",
"Month": "12",
"Asset_Classification": "?",
"Year": "2024"
}
],
"CAIS_Holder_Address_Details": [
{
"State_non_normalized": "09",
"Fifth_Line_Of_Address_non_normalized": "",
"Residence_code_non_normalized": "",
"First_Line_Of_Address_non_normalized": "A 83 GROUND FLOOR A 83 GROUND",
"City_non_normalized": "",
"Second_Line_Of_Address_non_normalized": "FLOOR,GAUTAM BUDDHA NAGAR NOIDA",
"ZIP_Postal_Code_non_normalized": "201301",
"Address_indicator_non_normalized": "02",
"Third_Line_Of_Address_non_normalized": "",
"CountryCode_non_normalized": "IB"
},
{
"State_non_normalized": "09",
"Fifth_Line_Of_Address_non_normalized": "",
"Residence_code_non_normalized": "",
"First_Line_Of_Address_non_normalized": "A 83 GROUND FLOOR A 83 GROUND",
"City_non_normalized": "",
"Second_Line_Of_Address_non_normalized": "FLOOR,GAUTAM BUDDHA NAGAR NOIDA",
"ZIP_Postal_Code_non_normalized": "201301",
"Address_indicator_non_normalized": "02",
"Third_Line_Of_Address_non_normalized": "",
"CountryCode_non_normalized": "IB"
}
],
"Date_Reported": "20250331",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"CAIS_Holder_Phone_Details": [
{
"Telephone_Extension": "",
"Telephone_Number": "91917175****",
"Mobile_Telephone_Number": "",
"FaxNumber": "",
"Telephone_Type": "02",
"EMailId": "WIUR*****@GMAIL.COM"
},
{
"Telephone_Extension": "",
"Telephone_Number": "",
"Mobile_Telephone_Number": "91917175****",
"FaxNumber": "",
"Telephone_Type": "01",
"EMailId": "WIUR*****@GMAIL.COM"
},
{
"Telephone_Extension": "",
"Telephone_Number": "91917175****",
"Mobile_Telephone_Number": "",
"FaxNumber": "",
"Telephone_Type": "00",
"EMailId": "WIUR*****@GMAIL.COM"
}
],
"Value_of_Credits_Last_Month": "",
"Date_Closed": "20250324",
"Current_Balance": "0",
"Scheduled_Monthly_Payment_Amount": "",
"Amount_Past_Due": "0",
"Rate_of_Interest": "21.500",
"Date_of_First_Delinquency": "",
"Terms_Frequency": "",
"CAIS_Holder_ID_Details": [
{
"PAN_Issue_Date": "",
"Ration_Card_Number": "",
"Income_TAX_PAN": "AXSPT*****",
"Voter_ID_Expiration_Date": "",
"Driver_License_Expiration_Date": "",
"EMailId": "WIUR*****@GMAIL.COM",
"Passport_Number": "",
"Ration_Card_Expiration_Date": "",
"Ration_Card_Issue_Date": "",
"Universal_ID_Issue_Date": "",
"Driver_License_Number": "",
"Voter_ID_Issue_Date": "",
"Driver_License_Issue_Date": "",
"Passport_Expiration_Date": "",
"Voter_ID_Number": "",
"Passport_Issue_Date": "",
"PAN_Expiration_Date": "",
"Universal_ID_Number": "",
"Universal_ID_Expiration_Date": ""
}
],
"Account_Number": "XXXXXXXXXX8589",
"Date_of_Last_Payment": "20250324",
"Special_Comment": "",
"DefaultStatusDate": "",
"Income_Indicator": "",
"Highest_Credit_or_Original_Loan_Amount": "82032",
"Settlement_Amount": "",
"Original_Charge_Off_Amount": "",
"Type_of_Collateral": "",
"WriteOffStatusDate": "",
"Written_Off_Amt_Principal": "",
"Income_Frequency_Indicator": "",
"Consumer_comments": "",
"Repayment_Tenure": "6",
"Terms_Duration": "006",
"Identification_Number": "PVTXXXXXXXX",
"Account_Status": "13"
}
]
},
"Match_result": {
"Exact_match": "Y"
},
"Current_Application": {
"Current_Application_Details": {
"Current_Other_Details": {
"Time_with_Employer": "",
"Employment_Status": "",
"Number_of_Major_Credit_Card_Held": "",
"Marital_Status": "",
"Income": "0"
},
"Current_Applicant_Additional_AddressDetails": "",
"Enquiry_Reason": "99",
"Amount_Financed": "0",
"Current_Applicant_Address_Details": {
"Country_Code": "IB",
"RoadNoNameAreaLocality": "",
"State": "06",
"Landmark": "",
"BldgNoSocietyName": "",
"FlatNoPlotNoHouseNo": "S/O RAMKUMAR TYAGI",
"City": "SONIPAT",
"PINCode": "131027"
},
"Duration_Of_Agreement": "0",
"Finance_Purpose": "99",
"Current_Applicant_Details": {
"IncomeTaxPan": "AXSPT*****",
"PAN_Issue_Date": "",
"Voter_ID_Expiration_Date": "",
"Telephone_Number_Applicant_1st": "91905095****",
"Telephone_Type": "",
"Voter_s_Identity_Card": "",
"Middle_Name2": "",
"Middle_Name1": "",
"MobilePhoneNumber": "",
"Middle_Name3": "",
"Passport_Number": "",
"First_Name": "Rohit",
"Telephone_Extension": "",
"Ration_Card_Issue_Date": "",
"Driver_License_Number": "",
"Voter_ID_Issue_Date": "",
"Gender_Code": "1",
"PAN_Expiration_Date": "",
"Universal_ID_Number": "",
"Universal_ID_Expiration_Date": "",
"Ration_Card_Number": "",
"Driver_License_Expiration_Date": "",
"EMailId": "",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Issue_Date": "",
"Date_Of_Birth_Applicant": "19870214",
"Last_Name": "Tyagi",
"Driver_License_Issue_Date": "",
"Passport_Expiration_Date": "",
"Passport_Issue_Date": ""
}
}
},
"CAPS": {
"CAPS_Summary": {
"CAPSLast30Days": "0",
"CAPSLast7Days": "0",
"CAPSLast180Days": "0",
"CAPSLast90Days": "0"
}
}
},
"name": "Ro*** ***",
"mobile": "881691****",
"pan": "AXSPT****",
"client_id": "REQ336bc0449425467180d6a48de******"
},
"request_id": "TIDeabe83b82eeb4171a257ffbde8056689"
}
4. 错误码
该接口常见错误码如下：
| HTTP 状态码 |
status 字段 |
描述 |
400 |
INVALID_ARGUMENT |
请求参数非法 |
400 |
QUERY_FAILED |
查询失败 |
400 |
ABNORMAL_BEHAVIOURS_DETECTED |
相同参数请求次数超出限制 |
401 |
UNAUTHORIZED |
未授权或拒绝访问 |
401 |
KEY_EXPIRED |
API 密钥已过期 |
403 |
NO_PERMISSION |
无权限访问接口 |
403 |
OUT_OF_QUOTA |
调用配额已用完 |
403 |
RATE_LIMIT_EXCEEDED |
请求频率超限 |
404 |
NOT_FOUND |
接口不存在 |
500 |
INTERNAL_ERROR |
服务器内部错误 |
512 |
SOURCE_SERVICE_UNAVAILABLE |
第三方服务不可用 |
513 |
SOURCE_SERVICE_TIMEOUT |
第三方服务超时 |
说明：当遇到 40X 或 51X 错误时，请查看返回中的 reason 字段以获取详细原因。
错误示例
{
"status": "INVALID_ARGUMENT",
"reason": "argument 'pan': not found",
"request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e"
}
5.Sample