{
  "code": 200,
  "timestamp": 1751891783526,
  "transaction_id": "2cfb994cc4a64e058d2660114d345663",
  "sub_code": "SUCCESS",
  "message": "Credit report fetched successfully.",
  "data": {
    "pan": null,
    "mobile": "9971228137",
    "name": "RAM SINGH BHANDARI",
    "credit_score": "744",
    "credit_report": {
      "InquiryResponseHeader": {
        "ClientID": "XXXXXXXXX",
        "CustRefField": "123456",
        "ReportOrderNO": "17074982",
        "ProductCode": [
          "IDCCR"
        ],
        "SuccessCode": "1",
        "Date": "2025-04-23",
        "Time": "17:09:26"
      },
      "InquiryRequestInfo": {
        "InquiryPurpose": "05",
        "FirstName": "RAM SINGH BHANDARI",
        "DOB": "1960-05-30",
        "IDDetails": [
          {
            "IDType": "T",
            "IDValue": "ARSPB2789E"
          }
        ]
      },
      "CCRResponse": {
        "Status": "1",
        "CIRReportDataLst": [
          {
            "CIRReportData": {
              "IDAndContactInfo": {
                "PersonalInfo": {
                  "Name": {
                    "FullName": "RAM SINGH BHANDARI"
                  },
                  "DateOfBirth": "1960-05-30",
                  "Gender": "Male"
                },
                "IdentityInfo": {
                  "PANId": [
                    {
                      "IdNumber": "ARSPB2789E",
                      "ReportedDate": "2017-05-31"
                    }
                  ]
                },
                "AddressInfo": [
                  {
                    "Address": "169 RAJEEV NAGAR, DEHRADUN",
                    "Postal": "249145"
                  }
                ]
              },
              "RetailAccountDetails": [
                {
                  "AccountNumber": "XXXXXXXXXXXXX4846",
                  "Institution": "BANK",
                  "AccountType": "Personal Loan",
                  "Balance": "256239",
                  "SanctionAmount": "300000",
                  "DateOpened": "2017-02-06",
                  "AccountStatus": "Standard"
                }
              ],
              "RetailAccountsSummary": {
                "NoOfAccounts": "2",
                "NoOfActiveAccounts": "1",
                "TotalBalanceAmount": "256239.00",
                "TotalSanctionAmount": "300000.00"
              },
              "ScoreDetails": [
                {
                  "Type": "ERS",
                  "Version": "4.0",
                  "Value": "703"
                }
              ],
              "Enquiries": [
                {
                  "Institution": "BANK",
                  "Date": "2019-08-27",
                  "RequestPurpose": "00"
                }
              ]
            }
          }
        ]
      }
    }
  }
}