Business Information Reports (BIR)

Streamline your due diligence and automate risk monitoring with Credhive’s credit intelligence platform. Go from manual verification to instant credit-readiness with verified statutory insights.

Not just a file-a foundation for your risk & compliance policy. A live data layer for your credit and compliance models, replacing stale PDFs with real-time MCA and GST intelligence.

Design your intelligence exactly how you consume it. Learn more. 100+ Data Point Customization. Build custom reports from an exhaustive library of financial and legal variables. Accelerated Decisioning. Filter out noise to focus on metrics that drive your approval logic. Template Management. Save and standardize formats for consistent evaluation across all internal teams.

Transforming static history into predictive cues. Learn more. Graphical Narrative. View multi-year performance at a glance with auto-generated analytical charts. Comparative Trend Analysis. Track financial health and operational consistency to identify hidden stress signals. Pattern Recognition. Spot anomalies in filing behaviors or revenue shifts before they become risks.

Structured intelligence for businesses without formal filings. Learn more. Customer & Trade Visibility. Indicative customer base mapped through MSME dues and market references. Full Legal Check. Civil and criminal case search across courts to surface hidden risks. Financial Insight Without Consent. Financial profile built using ecosystem data and independent checks. Physical Verification. On-ground site visits to confirm business activity and operational presence.

The most granular litigation and GST tracking in the Indian market. Learn more. Multi-Source Aggregation. Access real-time data from MCA, GSTN, and all 3-tier Indian Courts. Stage-Wise Litigation Tracking. Monitor legal case status with granular updates from filing to judgment. Granular Compliance Mapping. Analyze GST filing discipline and legal histories to eliminate due diligence gaps. Proactive PEP & Adverse Media Shield. Identify reputational risk through network linkages and real-time monitoring. Institutional Linkage Mapping. Automatically surface connections between firms and Politically Exposed Persons (PEP). Real-time Adverse Media Flags. AI-driven scanning for negative news and regulatory red flags on directors. Smart Risk Alerts. Instant notifications on high-risk linkages to protect your portfolio's reputation.

High quality business data for registered entities tailored to the specific needs of your sector. Banks / NBFCs. Institutional Lending & Risk. Accelerate loan originations with live MCA/GST pulls. Reduce NPAs using our proprietary risk scoring and proactive stress alerts. Insurance. Underwriting & Fraud Shield. Enhance policy pricing with deep-dive entity health checks. Flag suspicious claims and high-risk PEP linkages in real-time. Corporate. Enterprise Compliance & background verification. Standardize vendor onboarding with 360° legal and financial due diligence. Automate 'Perpetual KYC' for your entire partner ecosystem. Supply Chain Finance. Multi-Tier Vendor Solvency. De-risk invoice discounting by verifying supplier health and GST discipline. Monitor the 'hidden' financial trends of your SME base.

What is a Business Information Report (BIR) for registered entities? A Registered BIR is a comprehensive due diligence document built exclusively on statutory data. Unlike reports for unregistered firms, it aggregates official filings from the Ministry of Corporate Affairs (MCA), GSTN, and ROC for Private Limited, Public Limited, and LLP entities to provide a verified 'Source of Truth' for credit and risk assessment. How is this live BIR different from a traditional credit bureau PDF? Traditional reports are often 'snapshots' that become obsolete the moment they are saved. Our product is a Live Data Layer. Instead of a static PDF, you access a dynamic engine that pulls real-time data from government portals, ensuring your risk policy is based on today’s filings, not six-month-old archives. Which data sources are covered in your registered entity reports? We provide a 360-degree view by aggregating data from: MCA21 for shareholding, director details, and charges; GSTN for tax filing discipline and turnover trends; Legal/Courts for stage-wise litigation tracking across District, High, and Supreme Courts; Default Lists including RBI Defaulters, SEBI debarred lists, and EPF data. Does the BIR support RBI and SEBI compliance norms? Yes. Our reports are engineered to meet the stringent KYB (Know Your Business) and PMLA (Prevention of Money Laundering Act) guidelines. They facilitate 'Perpetual KYC' by automatically flagging changes in directorship, shareholding, or legal status, helping BFSI institutions stay audit-ready. Can we integrate these reports into our existing LOS or ERP? Absolutely. Our product is built as a DaaS (Data as a Service) platform. You can access reports via our secure web portal or integrate our REST APIs directly into your Loan Origination System (LOS), ERP, or internal risk models for automated decisioning. Can I customize the data points in my report? Yes. Using our Dynamic Report Architect, you can select from over 100+ data variables to build a format that matches your specific credit policy. You can remove irrelevant noise and standardize templates for your entire organization to ensure consistent risk evaluation.