CIBIL & Verification Services — A Square Capital
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CIBIL & Verification Services

Credit bureau scores and identity verification checks, pulled instantly from official sources — before you apply, lend or onboard.

Why Run It Here

One request, four bureaus and full document verification

Instead of logging into separate bureau portals and government sites, submit one request and get every score and verification result back through a single, consent-tracked flow.

  • One profile, four credit bureaus
  • Verification results in minutes, not days
  • Bank-grade data handling
  • Consent-based checks only
  • Direct queries against official sources
Advisor reviewing a credit report and verification results with a client
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Every loan, credit card or onboarding decision rests on two things: what your credit history says about you, and whether the documents behind your application are genuine. Checking your score across bureaus and verifying identity documents before you apply catches mismatches early, strengthens your case with lenders, and prevents rejections that leave a hard-enquiry mark for no reason.

What You'll Need

Requirements differ slightly between a bureau score pull and a document verification check, but most requests move instantly once these are ready.

Identity Proof for Score Check

  • PAN card (mandatory for every bureau)
  • Aadhaar-linked mobile number
  • Full name exactly as per bureau records
  • Date of birth for identity match

Document Numbers for Verification

  • PAN, DL, Voter ID or passport number
  • Vehicle RC number & chassis number
  • Bank account number & IFSC code
  • Exact name as printed on the document

Consent & Authorization

  • Written or digital consent for the bureau pull
  • Authorization to query the official data source
  • Purpose declaration (loan, KYC or onboarding)
  • Acceptance of data-sharing terms

Understanding Your Credit Score

Bureaus score on roughly the same 300–900 scale, but the band your number falls into is what lenders actually read first. Here's how the bands generally break down.

Below 650

Poor

Usually reflects missed payments, high outstanding balances or a very limited credit history. Lenders tend to scrutinise applications more closely at this band.

650 – 699

Fair

Shows a working but inconsistent repayment record. Some lenders will approve at this band, often with tighter terms than the bands above it.

700 – 749

Good

Indicates a mostly on-time repayment history with reasonable credit utilisation. This is the band most standard bank products are underwritten around.

750 & Above

Excellent

Reflects a long, consistent history of on-time payments and low utilisation across accounts. Typically the band lenders reference for their best available terms.

Credit Score Checks

Live scores and full reports pulled directly from each of the four RBI-licensed credit bureaus operating in India.

Credit Bureau

Equifax Credit Score Check

Report TypeEquifax Report
Score Range300–900
TurnaroundInstant
Validity30 Days

Pull your real-time Equifax credit score and full report directly from the bureau, covering active loans, credit cards, repayment history and recent enquiries. Useful as a second opinion alongside your CIBIL score before a large loan application.

What It Covers
  • Score band & risk segment
  • Active loan & credit card summary
  • 36-month repayment history
  • Hard enquiry trail
Who Needs This
  • Applicants comparing bureau scores
  • Borrowers with thin CIBIL history
  • Co-applicants on joint loans
  • Anyone auditing their credit profile
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Credit Bureau

Experian Credit Score Check

Report TypeExperian Report
Score Range300–900
TurnaroundInstant
FormatPDF + On-Screen

Fetch your Experian credit score and report, one of the four RBI-licensed bureaus in India, to cross-check the score your lender may actually be pulling. Especially useful when your CIBIL and Equifax scores diverge.

What It Covers
  • Score & score-impact factors
  • Credit utilisation ratio
  • Loan & card account status
  • Written-off or settled account flags
Who Needs This
  • Borrowers seeing score mismatches
  • NBFC loan applicants
  • Self-employed applicants
  • Anyone tracking credit repair progress
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Credit Bureau

CRIF High Mark Credit Score Check

Report TypeCRIF Report
Score Range300–900
TurnaroundInstant
Widely Used ByRegional Banks

CRIF High Mark is the preferred bureau for many regional banks, cooperative banks and microfinance lenders. Checking it separately helps you catch discrepancies before they surface mid-application with a lender who relies on it.

What It Covers
  • Score & risk category
  • Microfinance & gold loan history
  • Regional lender exposure
  • Dispute & remark flags
Who Needs This
  • Rural & semi-urban applicants
  • Gold and microfinance borrowers
  • First-time credit users
  • Cooperative bank customers
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Credit Bureau

TransUnion Credit Score Check (CIBIL)

Report TypeCIBIL Report
Score Range300–900
TurnaroundInstant
Trusted ByMost Indian Banks

Your CIBIL score, powered by TransUnion, is the number most Indian banks check first. Get the exact score and full report your lender sees, along with a factor-by-factor breakdown of what is pulling it up or down.

What It Covers
  • Live CIBIL score & full report
  • Score-impact factor breakdown
  • Account-wise payment history
  • Enquiry frequency in the last year
Who Needs This
  • Anyone applying for a bank loan
  • Credit card applicants
  • Borrowers tracking score improvement
  • Pre-loan eligibility screening
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Verification Services

Document and identity checks run directly against the issuing government or bank source, so results reflect the current official record.

Identity Verification

PAN Card Verification

Data SourceIncome Tax Dept.
TurnaroundInstant
AccuracyReal-Time NSDL Match
OutputName & Status

Verify any PAN card number against Income Tax Department records to confirm it's active, correctly linked to the holder's name, and not flagged as fraudulent or deactivated — before it's used on any financial application.

What It Covers
  • PAN status: active or inactive
  • Name-match confirmation
  • PAN category — individual or entity
  • Aadhaar-linkage status
Who Needs This
  • Lenders onboarding new borrowers
  • Employers during hiring
  • Landlords screening tenants
  • Anyone co-signing a loan
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Identity Verification

Bank Account Verification (Penny Drop)

Data SourceNPCI / Bank Rails
TurnaroundUnder 60 Sec
AccuracyReal-Time Match
MethodPenny-Drop Transfer

A minimal-value test transfer confirms the bank account number and IFSC are valid, active, and that the account holder's name matches what was declared — catching typos and fraud before a real payout ever leaves.

What It Covers
  • Account active/inactive status
  • Registered holder name match
  • IFSC & branch validation
  • Real-time confirmation receipt
Who Needs This
  • Payroll & vendor onboarding teams
  • Loan disbursal teams
  • Marketplaces paying sellers
  • Anyone verifying refund accounts
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Identity Verification

Driving Licence Verification

Data SourceParivahan / NIC
TurnaroundInstant
AccuracyReal-Time DL Match
OutputValidity & Class

Validate a driving licence number against the national Parivahan database to confirm it's genuinely issued, currently valid, and see which vehicle classes it authorises — useful for lending, hiring and leasing decisions.

What It Covers
  • Licence validity & expiry date
  • Vehicle class authorisation
  • Issuing RTO details
  • Name-match confirmation
Who Needs This
  • Vehicle loan & leasing teams
  • Fleet & logistics hiring
  • Ride-share onboarding
  • Rental agencies
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Identity Verification

Voter ID Verification

Data SourceECI Database
TurnaroundInstant
AccuracyEPIC Number Match
OutputName, Age & Constituency

Verify a Voter ID (EPIC) number against Election Commission of India records to confirm the holder's name, age band and registered constituency — a reliable secondary identity check where PAN or Aadhaar alone isn't sufficient.

What It Covers
  • EPIC number validity
  • Name & age-band match
  • Registered constituency & state
  • Record status
Who Needs This
  • KYC teams needing a second ID
  • Rural lending applicants
  • Address-proof cross-checks
  • Background verification agencies
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Identity Verification

Passport Verification

Data SourcePassport Seva / MEA
TurnaroundInstant
AccuracyFile Number Match
OutputValidity & Issue Details

Validate a passport number and file number against Ministry of External Affairs records to confirm authenticity, current validity and issue/expiry details — commonly required for high-value loans and NRI applications.

What It Covers
  • Passport validity & expiry
  • Issuing authority & place
  • Name-match confirmation
  • Record authenticity flag
Who Needs This
  • NRI & high-value loan applicants
  • Education loan co-applicants
  • Travel & visa-linked financing
  • International KYC checks
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Identity Verification

Vehicle RC Verification

Data SourceVahan / RTO
TurnaroundInstant
AccuracyReal-Time RC Match
OutputOwnership & Hypothecation

Check a vehicle's Registration Certificate against the Vahan/RTO database to confirm current ownership, registration validity, vehicle class and any existing hypothecation — essential before a vehicle loan or used-vehicle purchase.

What It Covers
  • Owner name match
  • Registration validity & class
  • Existing hypothecation/lien status
  • Chassis & engine number check
Who Needs This
  • Used-vehicle loan approvals
  • Vehicle-backed loan teams
  • Insurance underwriting
  • Used vehicle buyers
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Common Questions About Score & Verification Checks

Answers to what applicants and businesses usually ask before running a check.

What's the difference between Equifax, Experian, CRIF and TransUnion (CIBIL) scores?
All four are RBI-licensed credit bureaus that calculate your score from broadly the same lender-reported data, but each uses its own scoring model and update cycle, so scores can differ by a few points. CIBIL (TransUnion) is checked most often by banks, while CRIF High Mark is common with regional and cooperative lenders — checking more than one gives a fuller picture.
How often should I check my credit score?
Checking once every few months, and always before a major application like a home or business loan, is enough to catch errors or fraud early without over-monitoring. A self-check has no bearing on your score no matter how often you run it.
Does checking my score hurt it?
No. A self-initiated score check is a soft enquiry and is never visible to lenders or counted against your score. Only a hard enquiry, triggered when a lender pulls your report for a formal loan or card application, can have a small, temporary impact.
How long do verification results take to come back?
Most checks — PAN, bank account, driving licence, voter ID, passport and RC verification — return a result within seconds to a couple of minutes, since they query the official database directly rather than a manual process.
Is my verification data handled securely?
Every check runs only with your explicit consent, queries the relevant official source directly, and results are shared solely with the party you authorised. Data is retained only as long as needed for that specific application and is not used for any unrelated purpose.
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Not sure which check you need?

Share your requirement once and we'll run the right credit bureau score or verification check against the correct official source.

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