One flow covers the identity of the applicant, the firm behind a self-employed borrower and the account the money goes to. Aadhaar, PAN, Voter ID, KYB and Banking APIs handle each of those checks. You keep the credit policy and decide what each result means.
Lending
Check a borrower, the business behind them and the account you will disburse to.
Why lenders use this
What this lending flow covers
From application to decision
How a lending check runs
1Step 1
Capture what your credit policy asks for
Take the Aadhaar, PAN, Voter ID, business or bank details the application needs, with consent.
2Step 2
Run the checks that apply
Call the KYC, KYB and Banking endpoints that suit this applicant and this business.
3Step 3
Apply your own eligibility rules
Read the structured responses, then run them through the review process you already have.
Checks in this flow
APIs this lending flow uses
Aadhaar Verification & PAN VerificationSettle the applicant's identity in a consent-led flow, before underwriting time goes into the file.
Penny Drop & Mobile to AccountCheck the disbursal account before money leaves. Penny Drop returns the name the bank holds, and Mobile to Account finds account details from a consented mobile number.
PAN to GST & UdyamFind the GST registrations recorded against a business PAN, and check the Udyam number behind an MSME borrower.
KYC & KYB OCRRead uploaded identity and business documents, and get the printed fields back as structured data.
Borrower identity
IdentityKYC APIs for the applicant
Identity checks for the person applying. The catalog lists what has been published in the dashboard so far.
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 APIPopularPAN 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 APIVoter 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 APIDriving 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 APIPassport 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 APIPopularKYC 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 APIBusiness borrowers
BusinessKYB APIs for the borrowing business
Checks for a company borrower, or for the firm a self-employed applicant runs. Anything not published in the dashboard is absent from this grid.
Popular
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 APINewPAN-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 APIUdyam 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 APINewPAN-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 APIBusiness Document OCR API
Read supported business-document images with OCR and return structured KYB fields.IndiaView APINewMobile 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 APIDisbursal and repayment
BankingBanking APIs for the loan account
Account checks for the disbursal and for the repayment mandate that follows it. You see a service here after someone publishes it in the dashboard.
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 APINewPenny 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 APINewMobile 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 APIPopularUPI 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 APINewMobile 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 APINewPAN 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 APIGet started
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