India's deepest business data and credit intelligence API — for lending, underwriting, and business verification
Karza Technologies is the go-to data and identity API platform for Indian lending, underwriting, and credit decision teams. Where IDfy and HyperVerge specialise in identity verification accuracy, Karza specialises in the data layer that powers credit and risk decisions: CIBIL and multi-bureau credit pulls, ITR and GST return analysis, bank statement parsing, MCA filings and company financial data, and property and vehicle ownership verification. Acquired by TransUnion India in 2021, Karza now sits at the intersection of identity verification and credit bureau data — a unique position in India's fintech API stack. For product teams building lending, insurance underwriting, or merchant credit products, Karza provides the data inputs that no other single API vendor covers together.
Karza Technologies is a Mumbai-based fintech data platform founded in 2015 and acquired by TransUnion India in 2021. It aggregates and provides programmatic access to India's fragmented public and bureau data sources — credit bureaus (CIBIL/TransUnion, Experian, Equifax, CRIF), income tax returns (ITR), GST filings, MCA company records, court databases, EPFO employment records, property registries, and vehicle ownership data — all through a unified REST API.
The TransUnion acquisition transformed Karza's capabilities. Through TransUnion, Karza now provides direct CIBIL credit report access — the most widely used credit bureau in India — alongside its aggregated data platform. For Indian lending teams, this means a single Karza integration can pull a borrower's CIBIL score, verify their ITR for income, check their GST returns for business revenue, verify their Aadhaar and PAN, and search for adverse court records — replacing what used to be 5-6 separate vendor integrations.
For Indian product managers in lending, BNPL, insurance, or trade finance, Karza's significance is in what it enables: faster credit decisions with more data inputs. A personal loan that used to take 2-3 days of manual document verification and bureau checks can be decisioned in minutes when Karza's APIs pull, parse, and return structured data from all sources automatically. The quality of your credit model improves with more data; the speed of your decision improves when data collection is automated.
Direct CIBIL credit report via TransUnion integration — CIBIL score, credit history, outstanding loans, payment behaviour, and enquiry history. Multi-bureau access to Experian, CRIF, and Equifax for lenders who use bureau stacking. For Indian consumer lending and BNPL teams, Karza's CIBIL access combined with ITR income verification in a single API call is the fastest path to a complete creditworthiness data picture at the point of loan application.
Parse and structure Income Tax Return data — declared income, tax paid, deductions, Form 26AS data — and GST returns — monthly filing history, revenue declared, input tax credit claimed. For Indian SME lending and self-employed borrower segments, ITR and GST data is often the primary income verification signal where salary slips do not exist. Karza extracts structured fields from these documents eliminating manual review.
MCA company search with director identification and financial filing history, GST registration details, MSME registration, and proprietary business creditworthiness signals. For B2B lending and trade finance teams, Karza's business data layer answers the core underwriting questions: Is this business registered and active? Who are its directors? What is its declared revenue? Does it have outstanding tax liabilities?
Automated bank statement parsing — extract transactions, categorise inflows and outflows, calculate average monthly balance, identify salary credits, EMI debits, and irregular transactions. Combined with bureau and ITR data, bank statement analysis provides the most complete picture of a borrower's actual financial behaviour vs declared income. Supports statements from all major Indian banks in PDF format.
Choose Karza when you need: CIBIL credit scores as part of your onboarding or underwriting flow, income verification via ITR or GST returns for self-employed borrowers, business financial data for SME credit decisioning, or multi-bureau credit stacking for better risk discrimination.
Combine Karza with HyperVerge when you need: High-accuracy face match and liveness alongside credit data. Many Indian lenders use Karza for financial data + bureau pulls and HyperVerge for face verification — the two cover complementary parts of the lending stack without significant overlap.
Choose IDfy over Karza when: Your primary need is background verification (employment, education, criminal checks) rather than financial data. IDfy's BGV suite is stronger; Karza's CIBIL and income verification is stronger.
Full sandbox access with test data for all Karza APIs including simulated credit bureau responses, sample ITR and GST data, and MCA records. Credit bureau pulls in sandbox use anonymised test data, not live bureau queries — important because live bureau pulls consume enquiry credits that affect borrower credit scores.
INR consumption pricing per API call. Credit bureau pulls (CIBIL) are priced per report and regulated by TransUnion's access agreements — typically in the Rs 20-60 range per pull depending on report type and volume. Identity verification APIs (PAN, Aadhaar, GST) are lower cost. Volume pricing for committed monthly volumes negotiated with Karza's sales team.
Annual contracts with committed pull volumes, SLA guarantees, dedicated technical support, compliance documentation, and custom data products for large lenders. TransUnion's backing means enterprise contracts include access to TransUnion's broader data and analytics products alongside Karza's API layer.
Stronger background verification (employment, criminal, education checks). Identity verification comparable to Karza. Best when BGV is your primary need alongside identity — Karza wins when credit and financial data is the priority.
Better face verification accuracy and faster self-serve integration. Complementary to Karza rather than competing — many lenders use both. Choose HyperVerge for face match; Karza for bureau and financial data.
Focused on device intelligence and fraud signals for digital lending risk assessment. Complementary to Karza's financial data — Bureau.id adds device and behavioural risk signals that credit bureau data alone does not capture.
We help Indian fintech teams design their credit data stack — bureau access strategy, income verification for self-employed segments, and automated underwriting architecture.
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