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FinSour

FinTech & Lending

A lending flow checks the applicant, then the business behind the application, then the account the money lands in. Aadhaar, PAN, Voter ID, PAN-to-GST, Udyam, bank account and UPI checks all sit inside that one journey.

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Where lending signups stall

Why a loan signup collects so many checks

A loan application asks the borrower for identity details, then for business details, then for a bank account. Each extra request is a place where an applicant can drop out.

The checks still have to happen before you approve or disburse. The real question is when each one runs, and what your rules engine gets back.

Ordering the checks

Which check to run at which step

Use Aadhaar, PAN or Voter ID verification for KYC on the individual borrower. Use PAN-to-GST or Udyam for KYB when the borrower trades as a business.

Use bank-account or UPI checks before disbursal. You see whose account the money is heading to. You call only the services your flow needs.

Coverage for lending

Service families used in lending flows

KYC
Aadhaar, PAN and Voter ID checks on the borrower
KYB
PAN-to-GST and Udyam checks on the business
REST
The same request and response shape for every service

Identity & KYC

Identity
Popular

Aadhaar Verification API

Confirm a customer's Aadhaar identity in a consent-led flow, and use the structured result inside your own onboarding journey.India, in a consent-led flow. Eligibility and tier depend on the selected service contract.View APIPopular

PAN Verification API

Confirm that a PAN is real, active and belongs to the customer in front of you. The check runs at capture, where a mismatch surfaces on the form while the customer can still fix it.PAN records available in India. Your service contract sets what each tier covers.View API

Voter ID Verification API

Check the elector details recorded against an EPIC number, and use the result to support a customer's name, age band and stated address inside your own KYC flow.Elector roll information available in India. Your service contract sets the coverage.View API

Passport Verification API

Check the available passport record behind a submitted file number and date of birth, and use the structured result in travel, forex, hiring or non-resident onboarding.India. What is available depends on the underlying record and your service contract.View API

Driving License Verification API

Check a submitted driving license number against available license records, and use the holder, validity and vehicle-class details in your own driver onboarding or KYC flow.India. What is available depends on the issuing state record and your service contract.View APIPopular

KYC Document OCR API

Read the printed fields from supported Indian identity documents and get them back as structured data. Customers type less, and the checks that follow start from clean input.India. Supported documents and readable fields depend on your service contract.View APIPopular

Face Match Verification API

Compare a captured face image with a reference photo from an identity document or an existing customer record. Use the result in your own onboarding, re-verification or fraud review.India-wide onboarding and re-verification journeys. Supported image sources depend on your service contract.View APINew

Face Liveness Detection API

Check whether a submitted selfie or capture came from a live person, not a photo, screen or recording. Use the result to decide whether the session continues.Selfie and short captures collected in your own app or web flowView API

Business & KYB

Business
Popular

GST Verification API

Check a GSTIN and read the registration details recorded against it. Your onboarding, procurement and credit teams then work from a business identity someone has actually verified.GST registrations across Indian states and union territoriesView API

Udyam Verification API

Check an Udyam registration number and confirm the enterprise behind it. See how it is classified. Payment terms, procurement policy and credit decisions then rest on verified MSME status.Udyam registrations issued to micro, small and medium enterprises in IndiaView APIPopular

Company Details API

Look up the registration record held against a company identifier, then use the name, status, incorporation and office details inside your own onboarding, credit or procurement workflow.Registered company records across IndiaView APINew

Director Details API

Look up the information held against an individual director identifier, including the companies linked to that person, for enhanced due diligence and periodic review.Director records associated with registered Indian companiesView APINew

PAN to CIN API

Resolve a company PAN to the corporate identity number behind it, and run entity checks, supplier masters and credit reviews from one reliable key.Company PAN records mapped to Indian corporate identifiersView APINew

PAN-to-Udyam Lookup API

Start from a PAN and find the Udyam registration recorded against it. A vendor record then carries checked MSME status even when the supplier cannot produce a certificate.Udyam registrations recorded against a PAN in IndiaView APINew

e-Invoicing API

Validate a reported e-invoice from its Invoice Reference Number and read the details held for it. Your accounts payable and finance teams then pay against an invoice they have checked.Reported e-invoices carrying an Invoice Reference NumberView APIPopular

Business PAN Verification API

Check the PAN a business or its authorized signatory submits, see which category of holder sits behind the number, and use the result inside merchant and vendor onboarding.PANs issued to businesses, proprietors and signatories across IndiaView APINew

PAN-to-GST Lookup API

Find the GST registrations recorded against a PAN, including ones in states you did not know about, and put the right GSTIN on a merchant or vendor record.GST registrations recorded against a PAN across Indian states and union territoriesView API

Business Document OCR API

Read supported business-document images with OCR and return structured KYB fields.IndiaView APINew

Mobile to MSME API

Resolve the Udyam registration linked to a consented mobile number, then use the MSME details you get back to classify, onboard or pay a supplier.Udyam-registered enterprises in IndiaView API

Digital Documentation

Legal
New

Electronic Sign API

Send a document out for OTP signing and get the signed file back with an audit trail, ready to file against the transaction it belongs to.Documents signed by signers in IndiaView APIPopular

Aadhaar eSign API

Let a signer authenticate through Aadhaar, give consent, and apply a certificate-backed signature to a document inside your own journey.India, for signers identified by an Aadhaar-based authenticationView API

eStamp API

Pay the stamp duty on an instrument and get the stamp certificate digitally, inside the workflow that takes an agreement from draft to stamped to signed.India, with availability varying by state and by instrument typeView API

Bank Account & UPI Verification

Banking
Popular

Bank Account Verification APIs

Send a nominal credit to a bank account and read back the beneficiary name the account holder's bank returns. That tells you a payout account is live before you use it.Indian bank accounts reachable over standard interbank payment rails. Scope depends on the selected service contract.View APINew

Penny Less Bank Account Verification API

Check bank account details and get the name held against the account without moving money. Nothing shows up in a customer's statement and nothing needs reversing.Indian bank accounts held in available information. Reach and fields depend on the selected service contract.View APINew

Mobile to VPA API

Find the UPI handle held against a mobile number your customer gave you. You can then address payouts and refunds without asking for bank details again.India. UPI handles registered against a mobile number, where a record is availableView APIPopular

UPI Verification API

Check that a UPI VPA is valid and read the name available against it. That confirms a payout destination before the money moves.India; UPI Virtual Payment Addresses, subject to the availability of the underlying recordView APINew

Mobile to Account Lookup API

Find the bank account information linked to a mobile number your customer has given you, with their consent. Payout details get confirmed instead of typed from memory.Consented Indian mobile numbers. What resolves depends on available information and the selected service contract.View APINew

PAN Account Linkage API

Check whether a submitted PAN and bank account appear linked in the available information, and settle it before a disbursal, settlement or payout run depends on the answer.Linkage status for a submitted PAN and Indian bank accountView API
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