Negative Due Diligence_S

The Negative Due Diligence API enables organizations to assess potential risks associated with a person or entity by scanning multiple data sources for adverse records.
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.

This API is commonly used in KYC (Know Your Customer), AML (Anti-Money Laundering), and CFT (Counter Financing of Terrorism) checks to ensure that individuals or organizations are not associated with financial fraud, regulatory violations, or high-risk activities.

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

curl --location 'https://api.staging.indiconnect.in/idverifygr/verification' \ --header 'myAppId: verification_business_app' \ --header 'service-key: sk_test_bf78b31a4b9275ca' \ --header 'Authorization: x-api-access indc_test_8cdbb53b09f50c3c:ac_test_bd6e115254f11a58' \ --header 'providercode: LLOK77FI' \ --header 'Content-Type: application/json' \ --data '{ "query": "mutation {\r\n verify(\r\n input: {\r\n Name: \"Ramesh Kumar\"\r\n documentType: \"Negative Due Diligence_S\"\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": {} }'

{ "data": { "verify": { "ok": true, "message": "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": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "30-06-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 4, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "31-07-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 5, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "31-08-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 6, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "30-09-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 7, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "31-10-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 8, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "OFFICE 204, RIVERSTONE PLAZA, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Outstanding Amount": "118.0 Lakhs", "Priority": "4", "Quarter": "30-11-22", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 9, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "PLOT NO C-42, INDUSTRIAL AREA, PHASE-2, PUNE, MAHARASHTRA, INDIA, 411026", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Priority": "4", "Quarter": "31 May 2025", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 10, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "FLAT 508, RIVERSTONE RESIDENCY, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Details": [ "India" ], "Address Match Status": "Partial Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune [MH]", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Priority": "4", "Quarter": "31 Oct 2025", "Rule Applied": "Name match is in high threshold and Address is a partial match", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 11, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "606 SERVICES STATION ROAD, RAJOKRI, PUNE, MAHARASHTRA, INDIA, 411038", "Address Match Status": "No Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "PUNE", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "VIKRAM JOSHI", "Priority": "10", "Quarter": "APR26", "Rule Applied": "Name match is in high threshold", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "Suit": "1", "details": "vikram joshi", "full_name_db": "VIKRAM JOSHI", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 43, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "INDUSTRIAL ESTATE ROAD, PIMPRI, PUNE, MAHARASHTRA, INDIA, 411018", "Address Match Status": "No Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "PIMPRI", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "ICICI Bank Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "VIKRAM JOSHI", "Priority": "10", "Quarter": "APR26", "Rule Applied": "Name match is in high threshold", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "Suit": "1", "details": "vikram joshi", "full_name_db": "VIKRAM JOSHI", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 44, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Additional Information": "Guarantor Name - Mahesh Deshpande", "Address": "PIMPRI INDUSTRIAL AREA, PUNE, MAHARASHTRA, INDIA, 411018", "Address Match Status": "No Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "Kogta Financial (India) Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Defaulters Rs 1 crore and above", "ListUid": "IWL_A00013L000001", "Name": "Vikram Joshi", "Priority": "10", "Quarter": "APR26", "Rule Applied": "Name match is in high threshold", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "Suit": "1", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 46, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "PIMPRI INDUSTRIAL AREA, PUNE, MAHARASHTRA, INDIA, 411018", "Address Match Status": "No Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "PUNE INDUSTRIAL", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "Cholamandalam Investment and Finance Company Limited", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Wilful Defaulters Rs 25 lacs and above", "ListUid": "IWL_A00013L000002", "Name": "Vikram Joshi", "Priority": "10", "Quarter": "APR26", "Rule Applied": "Name match is in high threshold", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "Suit": "1", "details": "vikram joshi", "full_name_db": "Vikram Joshi", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 47, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" }, { "scores": { "nameMatch": "100.00", "dobMatch": "", "countryMatch": "", "zipcodeMatch": "", "aliasArrayMatch": [], "identificationNumberMatch": "", "searchTextMatch": [] }, "details": { "Address": "FLAT 508, RIVERSTONE RESIDENCY, PASHAN-SUS ROAD, PUNE, MAHARASHTRA, INDIA, 411021", "Address Match Status": "No Match", "Authority Name": "Credit Information Bureau India Limited (CIBIL)", "Branch": "Pune Central", "InputClientId": "7f42d9b6-3158-4e72-a8c1-694025173bd4", "InputConcatAddress": [ "INDIA" ], "InputCountry": [ "INDIA" ], "InputEntityName": "Vikram Joshi", "InputType": "Organization", "Lender Bank": "State Bank of India", "ListName": "Credit Information Bureau India Limited (CIBIL) - Suit Filed - Wilful Defaulters Rs 25 lacs and above", "ListUid": "IWL_A00013L000002", "Name": "VIKRAM JOSHI", "Priority": "10", "Quarter": "APR26", "Rule Applied": "Name match is in high threshold", "RunId": 327481956, "SourceLink": "https://suit.cibil.com/", "Suit": "1", "details": "vikram joshi", "full_name_db": "VIKRAM JOSHI", "fuzzy_score": "100.00", "isdeleted": "False", "mappingId": 48, "match_details": "vikram joshi", "match_status": "Red", "timestamp": "16 Jul 2026, GMT 06:46:10" }, "relevance": [ "AML", "CFT" ], "overall_score": "100.00" } ] } } } }

Key Capabilities

How It Works

Possible Result Fields

Use Cases

Request

Responses

Negative Due Diligence_S

Key Capabilities#

How It Works#

Possible Result Fields#

Use Cases#

Request

Responses

Key Capabilities

How It Works

Possible Result Fields

Use Cases