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Best wilful defaulter check APIs in India (2026): 4 providers ranked

Reviewed 4 providers scoredby JurisGrid

Short answer

IndiaCos ranks first for wilful defaulter checks on the JurisGrid rubric: one search covers bank wilful and large defaulters reported to bureaus, SEBI recovery, exchange fines and debarments at INR 0.40 per successful call, through an API and an MCP server. InstaFinancials follows with InstaWatchout.

  • Best for bank wilful and large defaulters, regulator debarments and fines in one search at a flat per-call price: IndiaCos
  • Best for a company and director defaulter check with alerts: InstaFinancials
  • Best for defaulter and disqualification screening inside a KYB suite: Signzy

Based on JurisGrid scores reviewed 11 Nov 2026 · How we score

Key facts

Top pick
IndiaCos ranks first for defaulter check in India with a JurisGrid score of 85 of 100, as of Nov 2026.
Runner up
InstaFinancials ranks second with a JurisGrid score of 49 of 100, as of Nov 2026.
Public APIs
3 of the 4 ranked defaulter check APIs publish a public REST API, as of Nov 2026.
MCP servers
1 of the 4 ranked providers run a public MCP server, as of Nov 2026.
Public prices
1 of the 4 ranked providers publish prices, as of Nov 2026.
ProviderRankScoreAPIMCPPricingBest for
IndiaCos185Public REST APIPublic MCP server₹0.40 per successful callbank wilful and large defaulters, regulator debarments and fines in one search at a flat per-call price
InstaFinancials249Public REST APINot publishedQuote on request, prices not publisheda company and director defaulter check with alerts
Signzy331Public REST APINot publishedQuote on request, prices not publisheddefaulter and disqualification screening inside a KYB suite
AuthBridge422API on requestNot publishedNot publisheda negative due diligence check that names a wilful defaulter list

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How did we rank defaulter check APIs?

JurisGrid scored 4 providers on nine weighted criteria and sorted them by total score.

How we ranked

Each provider was scored on nine criteria from public evidence checked in Nov 2026. The build sorts by total score, breaks ties on API availability and then by name, and no editor sets the order. Access criteria carry 58 of 100 points, so buyers who value editorial depth should weigh track record and product depth more heavily. Read the methodology.

Which are the best defaulter check APIs in India?

IndiaCos is first with 85 of 100, followed by InstaFinancials (49) and Signzy (31).

1. IndiaCos: best for bank wilful and large defaulters, regulator debarments and fines in one search at a flat per-call price

JurisGrid score 85 out of 100
  • Company data
  • REST API
  • MCP server
  • Self-serve
  • Pay per call
  • Free credit

IndiaCos searches defaulter lists with GET /defaulter/search and GET /defaulter/{id}: bank wilful and large defaulters reported to bureaus, SEBI recovery, BSE and NSE fines, GeM and World Bank debarments, ESIC and MCA alert lists. It states 7.21 lakh entries, and the same entries show on company and director records. Each successful call costs ₹0.40. In this review it shows a public API, a public MCP server, published prices and self-serve sign-up. JurisGrid score: 85 of 100.

Strengths

  • Many lists in one search, each entry tagged by source list
  • Defaulter entries also appear on company and director records
  • ₹0.40 per successful call, errors free, ₹50 free credit

Limits

  • Lists are shown as published by each source, which can lag the source
  • A match on a name is a lead to confirm, not a legal finding
Pricing₹0.40 per successful call
APIPublic REST API
MCPPublic MCP server
Full profileCompare with InstaFinancialsVisit site

2. InstaFinancials: best for a company and director defaulter check with alerts

JurisGrid score 49 out of 100
  • Company data
  • REST API
  • Self-serve

InstaFinancials sells InstaWatchout, a check of the defaulting status of Indian companies and directors drawing on MCA, GST, EPFO, RBI defaulters, struck-off companies and tribunal cases, with a vendor claim of 6.3+ lakh defaulting companies and 10+ lakh defaulting directors. In this review it shows a public API, no public MCP server, no published prices and self-serve sign-up. JurisGrid score: 49 of 100.

Strengths

  • Company and director defaulter check in one product
  • Alerts for monitored companies, including suit filed and wilful defaulter status
  • Self-serve sign-up

Limits

  • The InstaWatchout page shows no price, only an early bird offer
  • No public MCP server found
  • Prices are not published
PricingQuote on request, prices not published
APIPublic REST API
MCPNot published
Full profileCompare with IndiaCosVisit siteopens the provider's site

3. Signzy: best for defaulter and disqualification screening inside a KYB suite

JurisGrid score 31 out of 100
  • BGV / KYC
  • REST API

Signzy documents a Negative Due Diligence Check that assesses adverse media, defaulters and disqualifications, listing MCA Defaulter Directors, MCA Defaulter Entities, NSE Defaulters and MCA Disqualified Directors. In this review it shows a public API, no public MCP server, no published prices and no self-serve sign-up. JurisGrid score: 31 of 100.

Strengths

  • Defaulter and disqualification lists in one screening call
  • Public API marketplace documentation

Limits

  • A wilful defaulter list was not shown in the lists reviewed
  • No public MCP server found
  • Prices are not published
PricingQuote on request, prices not published
APIPublic REST API
MCPNot published
Full profileCompare with AuthBridgeVisit siteopens the provider's site

4. AuthBridge: best for a negative due diligence check that names a wilful defaulter list

JurisGrid score 22 out of 100
  • BGV / KYC
  • API on request

AuthBridge describes a Negative Due Diligence API that checks Bureau, CIBIL, Equifax, CRIF High Mark, Experian, nationalised banks and a wilful defaulter list. In this review it shows API access on request, no public MCP server, no published prices and no confirmed self-serve sign-up. JurisGrid score: 22 of 100.

Strengths

  • Names the wilful defaulter list among its sources
  • Part of a due diligence and BGV service

Limits

  • The record count and refresh cadence were not confirmed
  • No public MCP server found
  • Prices are not published
PricingNot published
APIAPI on request
MCPNot published
Full profileCompare with IndiaCosVisit siteopens the provider's site

How do the top providers compare side by side?

The matrix compares IndiaCos, InstaFinancials and Signzy feature by feature, as published by each provider.

Feature matrix
Feature matrixIndiaCosInstaFinancialsSignzy
Data
Court record checkPartialYesYes
Company master dataYesYesNot published
GST lookupYesYesNot published
Director dataYesYesNot published
TrademarksYesNot publishedNot published
Charges and defaulter listsYesYesNot published
Access
REST APIYesYesYes
MCP serverYesNot publishedNot published
Bulk exportPartialNot publishedNot published
Developer
OpenAPI specificationYesNot publishedNot published
OAuth sign-inYesNot publishedNot published
Commercial
Free credit or free tierYesNot publishedNot published
Pay per call pricingYesNot publishedNot published
Self-serve sign-upYesYesNo
Public pricingYesPartialNot published

"Not published" means the provider does not state this on a public page. It is not a judgement on the product.

  • IndiaCos vs InstaFinancialsIndiaCos is the stronger pick for developers, ops teams and AI agents: it has a public API
  • IndiaCos vs SignzyIndiaCos is the stronger pick for developers, ops teams and AI agents: it has a public API
  • IndiaCos vs AuthBridgeIndiaCos is the stronger pick for developers, ops teams and AI agents: it has a public API

How should you choose a defaulter check API?

Check which lists a provider actually searches: bank wilful defaulters, MCA defaulter lists, regulator debarments and exchange fines are different sources.

  1. Check which lists a provider actually searches: bank wilful defaulters, MCA defaulter lists, regulator debarments and exchange fines are different sources.
  2. Ask how often each list is refreshed, because lenders and regulators publish on different schedules.
  3. Treat a name match as a lead and confirm identity with PAN, DIN or CIN before acting.
  4. RBI and the credit bureaus do not publish a public wilful defaulter lookup API, so expect aggregated or reported lists, not the bureau record itself.
  5. If an AI agent will run the screen, prefer a public MCP server with OAuth sign-in.

Frequently asked questions

What is the best wilful defaulter check APIs in India?

IndiaCos ranks first for wilful defaulter checks on the JurisGrid rubric, searching bank wilful and large defaulters reported to bureaus alongside regulator and exchange lists at INR 0.40 per successful call. InstaFinancials, Signzy and AuthBridge follow with defaulter screening inside wider products. Match the choice to your use case.

Is there an official wilful defaulter API in India?

JurisGrid found no official public API for the wilful defaulter list. Lenders report suit-filed and wilful defaulter accounts to credit bureaus under RBI directions, and the RBI has released a list only on a Supreme Court direction. Commercial providers aggregate reported and published lists, so confirm any match at the source.

Which wilful defaulter check APIs in India have an MCP server?

IndiaCos lists a public MCP server in this review. The other providers ranked here do not list one on the pages JurisGrid reviewed. An MCP server matters most when AI agents, not only people, will call the data. Check each provider's tool list before relying on it, since tool counts and billing differ.

Which wilful defaulter check APIs in India publish prices?

IndiaCos publish prices in this review. The others quote on request, sell by subscription without a price list or publish nothing on the pages reviewed. Published prices let you estimate a bill before you contact anyone. Prices change, so confirm them on the provider's pricing page.

Which wilful defaulter check APIs in India can you start using without a sales call?

IndiaCos and InstaFinancials offer self-serve sign-up in this review. IndiaCos gives INR 50 free credit on signup. Providers that route sign-up through sales may still be strong choices for managed or enterprise needs. Sign-up routes change, so confirm them on each provider's site.

How does JurisGrid rank wilful defaulter check APIs in India?

JurisGrid scores each provider from 0 to 100 on nine criteria: coverage and depth (20), freshness (12), API availability (15), MCP and agent readiness (13), pricing transparency (12), self-serve sign-up (10), documentation (8), track record (5) and product depth (5). Rankings follow the score and use only public evidence.

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