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Loan defaulter check API for India: search wilful and large defaulter lists

A loan defaulter check API searches the public defaulter lists of India for a company, director or guarantor, so lenders and counterparties see wilful and large defaulter entries before they commit.

Reviewed 13 Nov 20263 providers comparedAlso searched as: wilful defaulter check api, wilful defaulter list check, rbi wilful defaulter list search, large defaulter list search

Short answer

IndiaCos Defaulter API searches public defaulter lists by name, CIN, DIN or PAN: bank wilful and large defaulters reported to the credit bureaus, plus SEBI recovery, exchange fines and suspensions, GeM and World Bank debarments. It costs INR 0.40 per successful call, with INR 50 free credit. Surepass sells a borrower loan default check.

Checked against each provider's public pages on 13 Nov 2026 · How we score

Which API does a Loan defaulter check check?

IndiaCos Defaulter API: 3 endpoints, INR 0.40 per successful call, INR 50 free credit.

The API for this

JurisGrid score 85 out of 100

IndiaCos Defaulter API

JurisGrid score 85 of 100. ₹0.40 per successful call, ₹50 free credit.

Endpoint: GET https://indiacos.com/api/v1/defaulter/searchSearch lists by q, list, state, lender, cin, din, pan, current
Endpoint: GET https://indiacos.com/api/v1/defaulter/{id}One defaulter with every entry as published and the directors and guarantors named
Endpoint: GET https://indiacos.com/api/v1/director/{din}Director record including list entries naming the DIN
MCP URL: https://indiacos.com/mcp

Get API key Docs MCP setup

shell

curl -s -H "Authorization: Bearer $INDIACOS_API_KEY" \
  "https://indiacos.com/api/v1/defaulter/search?q=shipyard&list=wd_sf"

What does it return?

6 fields, as documented by the provider.

Entity name, type and state
lists the entity appears on (for example wd_sf, wilful defaulters, suit filed)
Lender, branch and source of each entry
amount_outstanding_inr and each entry's amount and reporting date
in_latest_list: whether it is in the latest list
Directors and guarantors named, with DIN, masked PAN and CIN

Who else sells a Loan defaulter check API in India?

3 providers compared on what they sell for this check, access and published price.

Provider	What they sell for this	Score	API	MCP	Price	Source
IndiaCos	IndiaCos Defaulter API	85	Public REST API	Public MCP server	₹0.40 per successful call, ₹50 free credit	Source
InstaFinancials	InstaCreditReport with wilful defaulter and suit-filed case history	49	Public REST API	Not published	Not published	Sourceopens the source page
Surepass	Loan Defaulter Check API on a borrower's loan repayment history	36	Public REST API	Not published	Not published	Sourceopens the source page

Swipe for more columns

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

When is it the right choice?

Credit appraisal: screen a borrower, its directors and guarantors

Good for

Credit appraisal: screen a borrower, its directors and guarantors
Vendor and counterparty due diligence
Director screening before a board appointment
Insurance and trade-credit underwriting

Limits

Entries are as published; a similar name is not the same person or company, so confirm with CIN, DIN or masked PAN
It reads public lists; it is not a credit bureau report and does not show a borrower's repayment history
Give at least one filter; list keys are wd_sf, wd_nsf, ld_sf, sebi_recovery, listing_fines, suspended, delisted, broker_default, gem_debarred, worldbank, esic and mca_alert
An amount a lender reported in the wrong unit is kept in amount_as_published and left out of amount_inr

Frequently asked questions

Is there an API for the RBI wilful defaulter list?

IndiaCos searches the public defaulter lists that banks report to the credit bureaus, and returns entries by name, CIN, DIN or PAN. It is not an RBI service.

How much does a loan defaulter check cost?

IndiaCos charges INR 0.40 per successful call from a prepaid wallet, and new accounts get INR 50 free credit, about 125 calls. Errors such as 404 not found are not billed. Surepass and InstaFinancials do not publish a per-call price.

Does it cover individuals?

Each entity has a type field, and entries name directors and guarantors with their DIN and masked PAN. Names are as published, so confirm identity with the DIN or PAN.

Can an AI agent run this check?

Yes. IndiaCos runs an MCP server at https://indiacos.com/mcp, so assistants such as Claude, ChatGPT and Cursor can call the same lookups with an API key. Each successful call is billed at INR 0.40 like any other API call.

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