Negative Due Diligence_S
POST
https://api.staging.indiconnect.in/idverifygr/verification
Last modified:2026-04-01 11:13:29
It helps identify information such as adverse media coverage, blacklisted entities, credit defaulters, and other risk indicators that may impact compliance and risk management processes.
Key Capabilities
- Detect adverse media mentions linked to individuals or entities.
- Identify blacklisted or restricted entities.
- Check for CIBIL-listed loan defaulters and financial liabilities.
- Provide relevance scores and match confidence levels.
- Support compliance, risk assessment, and onboarding verification workflows.
How It Works
- The API receives the name of the person or entity as input.
- The system searches across multiple risk and compliance databases.
- Matching records are evaluated using scoring algorithms.
- The response returns match status along with detailed findings such as defaulter information, relevance categories, and risk indicators.
Possible Result Fields
- match_status – Indicates whether a match was found.
- adverse_media – Information related to negative news or media coverage.
- blacklisted_entities – Entities that appear on blacklist or sanction lists.
- cibil_defaulters – Financial default records including lender bank, outstanding amount, and reporting quarter.
- overall_score – Confidence score indicating the strength of the match.
- relevance – Compliance relevance such as AML or CFT.
Use Cases
- Customer onboarding verification
- Financial risk assessment
- Regulatory compliance screening
- Vendor and partner due diligence
- Fraud prevention and monitoring
Request
Header Params
Body Params application/jsonRequired
Responses
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api.staging.indiconnect.in/idverifygr/verification' \
--header 'myAppId: verification_business_app' \
--header 'service-key: sk_test_a9944179bc598f06' \
--header 'Authorization: x-api-access indc_test_a41eaf2a175f3b13:ac_test_bf7117f6da6c6285' \
--header 'Content-Type: application/json' \
--data-raw '{
"query": "mutation {\r\n businessVerification(\r\n input: {\r\n Name: \"Ramesh Kumar\"\r\n documentType: \"Negative Due Diligence\"\r\n }\r\n ) {\r\n ok\r\n message\r\n result {\r\n __typename\r\n ... on NegativeDueDiligenceResult {\r\n match_status\r\n adverse_media {\r\n overall_score\r\n relevance\r\n }\r\n blacklisted_entities {\r\n name\r\n overall_score\r\n }\r\n cibil_defaulters {\r\n scores \r\n details\r\n relevance\r\n overall_score\r\n }\r\n \r\n }\r\n }\r\n }\r\n}\r\n",
"variables": {}
}'Response Response Example
{
"data": {
"businessVerification": {
"ok": true,
"message": "Business verification completed successfully",
"result": {
"__typename": "NegativeDueDiligenceResult",
"match_status": "Match Found",
"adverse_media": [],
"blacklisted_entities": [],
"cibil_defaulters": [
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "Plot No 4Sector Mandi Townshiphsvp,Null,Null,Not Mandatory,Haryana,India",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "30-06-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 1,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "105, Kitaan Pana, Bhiwani,Null,Null,Not Mandatory,Haryana,India,127021",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "31-07-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 2,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "105, Kitaan Pana, Bhiwani,Null,Null,Not Mandatory,Haryana,India,127021",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "31-08-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 3,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "Plot No 4Sector Mandi Townshiphsvp,Null,Null,Not Mandatory,Haryana,India",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "30-09-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 4,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "105, Kitaan Pana, Bhiwani,Null,Null,Not Mandatory,Haryana,India,127021",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "31-10-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 5,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "Partial Match",
"Address Match Details": [
"India"
],
"Address": "105, Kitaan Pana, Bhiwani,Null,Null,Not Mandatory,Haryana,India,127021",
"Lender Bank": "Axis Bank Ltd",
"Branch": "Bhiwani [Hr]",
"Quarter": "30-11-22",
"Outstanding Amount": "132.0 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 6,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "RAMESH KUMAR",
"Address Match Status": "Partial Match",
"Address Match Details": [
"india"
],
"Address": "PLOT NO C-76 IND AREA PHASE-6HOSHIARPUR PUNJAB 140103",
"Lender Bank": "RELIGARE FINVEST LIMITED",
"Branch": "CHANDIGARH",
"Quarter": "31 May 2025",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 7,
"match_details": "ramesh kumar",
"full_name_db": "RAMESH KUMAR",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold and Address is a partial match",
"Priority": "4",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "RAMESH KUMAR",
"Address Match Status": "Partial Match",
"Address Match Details": [
"INDIA"
],
"Address": "C O SUNITA DEVI HOUSE NO 4 HUDA BHIWANI MANDI TOWNSHIP BHIWANI BHIWANINEW GRAIN MARKET BHIWANI HARYANA 127021,,HARYANA,INDIA",
"Lender Bank": "AXIS BANK LTD",
"Branch": "BHIWANI [HR]",
"Quarter": "31 Oct 2025",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 8,
"match_details": "ramesh kumar",
"full_name_db": "RAMESH KUMAR",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold",
"Priority": "10",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "No Match",
"Address": "Flat No- 214 Katilya Appartment Sector -6 Vasundra Ghaziabad 201010",
"Lender Bank": "Icici Bank Limited",
"Branch": "Ghaziabad",
"Quarter": "31-03-18",
"Outstanding Amount": "481.06 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 9,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
},
{
"scores": {
"nameMatch": "100.00",
"dobMatch": "",
"countryMatch": "",
"zipcodeMatch": "",
"aliasArrayMatch": [],
"identificationNumberMatch": "",
"searchTextMatch": []
},
"details": {
"Authority Name": "Credit Information Bureau India Limited (CIBIL)",
"ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above",
"ListUid": "IWL_A00013L000001",
"Rule Applied": "Name match is in high threshold",
"Priority": "10",
"details": "ramesh kumar",
"fuzzy_score": "100.00",
"Name": "Ramesh Kumar",
"Address Match Status": "No Match",
"Address": "Flat No- 214 Katilya Appartment Sector -6 Vasundra Ghaziabad 201010",
"Lender Bank": "Icici Bank Limited",
"Branch": "Ghaziabad",
"Quarter": "30-06-18",
"Outstanding Amount": "481.06 Lakhs",
"SourceLink": "https://suit.cibil.com/",
"isdeleted": "False",
"timestamp": "26 Mar 2026, GMT 12:14:42",
"match_status": "Red",
"RunId": 130433457,
"mappingId": 10,
"match_details": "ramesh kumar",
"full_name_db": "Ramesh Kumar",
"InputType": "Organization",
"InputEntityName": "Ramesh Kumar",
"InputCountry": [
"INDIA"
],
"InputConcatAddress": [
"INDIA"
]
},
"relevance": [
"AML",
"CFT"
],
"overall_score": "100.00"
}
]
}
}
}
}Modified at 2026-04-01 11:13:29