Published on : May 26, 2020

Loan Service

Prepare below-required payload data in @process to execute CIBIL API

Keys Required
@process.data.body.applicant.first_name yes
@process.data.body.applicant.middle_name no
@process.data.body.applicant.last_name yes
@process.data.body.full_name yes (if applicant_name.first & applicant_name.last is not present)
@process.data.body.dob yes
@process.data.body.gender yes
@process.data.body.pan_card yes
@process.data.body.mobile_number yes
@process.data.body.home.address.line1 yes
@process.data.body.home.address.line2 yes
@process.data.body.home.city yes
@process.data.body.home.zipcode yes
@process.data.body.nbfc yes

Call the process service: cprocess_cibil.initiate to execute the CIBIL flow.

The above service call will return an ack with below parameters:

  • object_id
  • process_type
  • meta
  • meta_common
  • turnaround
  • credit_accounts
    • enquiry
    • account

To create an entry in process meta, call the service: cprocess.process.meta

To create a turnaround entry against the process, call the service: process_turnaround.entry

To create an entry in loan meta, call the service: cprocess.loan.meta

Store below meta keys into lapp meta
– cibil_score
– cibil_control_id
– cibil_estimated_date

Process Service: cprocess_cibil

Create object_id: CIBIL{unique_number}

Note: If required key is not present, throw out from the service returning the error reason.

Get below data against the NBFC and store the same into @process.data
cibil_username
cibil_password
member_code
member_password

Make the first request of the CIBIL.

Check the status of the CIBIL response

If the status is ERROR, return ack with error.

Else,

Get the application_id, from the response and make the second request using it.

Get the document_id from the second request.

If the document_id is empty, return the ack with error.

Else,

Make the third request using application_id and document_id

Check if the upload path is present or not

if the upload path is present then:

Decode the Base64 to normal Text and store the file at the uploads path.

Return below ack data

ack.object_id:
– CIBIL{unique_number}

ack.process_type:
– cibil

ack.meta:

meta_key meta_value meta_type
score 789 cibil
conrol_id 12312312 cibil
application_id 12312312 cibil
document_id 123123 cibil
estimated_date 20191217 civil

ack.meta_common

meta_key meta_value
process_status completed
process_status_label Completed
process_stage closed
process_stage_label Closed

ack.turnaround

meta_key meta_value
process_status completed
process_status_label Completed
process_stage closed
process_stage_label Closed

ack.credit_account

enquiry [] -> array
account [] -> array