---
title: "Loan defaulter check API India: wilful defaulters"
url: https://jurisgrid.com/solutions/loan-defaulter-check-api/
reviewed: 2026-11-13
type: solution
sector: company-data
---
# 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 2026

## 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.

## Which API does it?

**IndiaCos Defaulter API** (JurisGrid score 85 of 100). Price: INR 0.40 per successful call, INR 50 free credit. INR 50 free credit on sign-up, no card needed.

- `GET https://indiacos.com/api/v1/defaulter/search`: Search lists by q, list, state, lender, cin, din, pan, current
- `GET https://indiacos.com/api/v1/defaulter/{id}`: One defaulter with every entry as published and the directors and guarantors named
- `GET https://indiacos.com/api/v1/director/{din}`: Director record including list entries naming the DIN
- MCP: https://indiacos.com/mcp
- Docs: https://indiacos.com/api/docs?ref=jurisgrid

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

## What does it return?

- 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?

| Provider | What they sell | Score | API | MCP | Price |
|---|---|---|---|---|---|
| [IndiaCos](https://jurisgrid.com/providers/indiacos/index.md) | IndiaCos Defaulter API | 85 | Public REST API | Public MCP server | INR 0.40 per successful call, INR 50 free credit |
| [InstaFinancials](https://jurisgrid.com/providers/instafinancials/index.md) | InstaCreditReport with wilful defaulter and suit-filed case history | 49 | Public REST API | Not published | Not published |
| [Surepass](https://jurisgrid.com/providers/surepass/index.md) | Loan Defaulter Check API on a borrower's loan repayment history | 36 | Public REST API | Not published | Not published |

## 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.

## Related

- [Best wilful defaulter check APIs in India](https://jurisgrid.com/best/wilful-defaulter-check-india/index.md)
- [Best KYB and business verification APIs in India](https://jurisgrid.com/best/kyb-business-verification-api-india/index.md)
- [Best MCA data APIs in India](https://jurisgrid.com/best/mca-data-api-india/index.md)
- [IndiaCos vs Surepass](https://jurisgrid.com/compare/indiacos-vs-surepass/index.md)
- [IndiaCos vs InstaFinancials](https://jurisgrid.com/compare/indiacos-vs-instafinancials/index.md)
- [B2B company search API](https://jurisgrid.com/solutions/b2b-company-search-api/index.md)
- [CIN verification API](https://jurisgrid.com/solutions/cin-verification-api/index.md)
- [Company litigation check API](https://jurisgrid.com/solutions/company-litigation-check-api/index.md)
- [Company search by name API](https://jurisgrid.com/solutions/company-search-by-name-api/index.md)
- [DIN verification API](https://jurisgrid.com/solutions/din-verification-api/index.md)
- [Director details API](https://jurisgrid.com/solutions/director-details-api/index.md)
- [GST return filing status API](https://jurisgrid.com/solutions/gst-return-filing-status-api/index.md)
- [GST search by name API](https://jurisgrid.com/solutions/gst-search-by-name-api/index.md)