Accounting & Tax APIs for GST, ITR & MSME credit assessment
Give your CA firm, accounting SaaS, or tax platform the data APIs to pull GST filing history, verify PAN identities, fetch ITR records, and assess MSME creditworthiness — all from a single integration.
The challenge for Accounting & Tax
Chartered accountants and tax professionals spend enormous time manually verifying client business details, cross-checking GST filing compliance, and gathering financial documents for loan applications. With 14 million GST-registered businesses and 80+ million ITR filers in India, the volume of data lookups is enormous — yet most CA firms still do this manually through the GST portal, creating hours of non-billable work per client.
For accounting SaaS platforms, the opportunity is to embed these data APIs as premium features. For MSME lending platforms, GST filing history and ITR data from DigiLocker are the best available credit score substitute for the 40+ million MSMEs that have no bureau score.
Recommended solution packs
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All APIs you'll need
Every Eko API relevant to your industry, with relevance indicators.
Real-world use cases
CA practice: one-click client GST due diligence
Situation:A CA firm serving 500 SME clients needs to review each client's GST filing compliance and turnover quarterly for tax planning.
Integration:Eko's GST Verification API fetches 12 quarters of filing history, return status, and taxable turnover per call. CA dashboard shows compliance trends in real time.
Result: Client review time per filing cycle from 2 hours to 5 minutes. CAs launched a new 'compliance monitoring' premium tier.
MSME credit assessment without bureau score
Situation:A fintech lender wants to offer working capital loans to 50,000 small manufacturers who have no CIBIL score.
Integration:MSME Credit Assessment Pack: GSTIN entered → 8 quarters of filing data → PAN links promoter identity → DigiLocker pulls ITR-V → bank account validated. Real-time credit score generated.
Result: ₹200 Cr disbursed to credit-invisible MSMEs in 6 months. Default rate within CIBIL-scored benchmark.
Accounting SaaS adds vendor KYB
Situation:An accounts payable SaaS wants to auto-verify vendor bank accounts before releasing payments to new suppliers.
Integration:Merchant Onboarding Pack as a webhook: new vendor added → PAN verify → GST check → bank penny-drop → payment terms activated.
Result: Fraudulent vendor additions dropped 94%. AP team eliminated manual bank detail verification entirely.
Why Eko for Accounting & Tax
CBDT & DigiLocker integration
Pull ITR-V and Form 26AS from the income tax department directly with taxpayer consent.
Name Match for ITC fraud detection
Fuzzy matching across PAN, GST, and bank records catches fake invoice fraud that manual review misses.
Pay per lookup
No retainer. CA firms and accounting SaaS pay per API call — costs scale with your client base.
How to Integrate
Get started in minutes with our simple integration process
Sign Up
Create an account on Connect App and get your sandbox credentials.
Submit KYC
Complete your business KYC verification process.
Integrate APIs
Use our comprehensive documentation to integrate the APIs.
Test in Sandbox
Test your integration thoroughly in our sandbox environment.
Go Live
Get production credentials and start processing real transactions.
Sign Up
Create an account on Connect App and get your sandbox credentials.
Submit KYC
Complete your business KYC verification process.
Integrate APIs
Use our comprehensive documentation to integrate the APIs.
Test in Sandbox
Test your integration thoroughly in our sandbox environment.
Go Live
Get production credentials and start processing real transactions.
Compliance & regulatory
GSTN data access
All GST data fetched from GSTN's official APIs — authoritative, real-time filing data only.
CBDT / DigiLocker consent flow
ITR and Form 26AS access requires taxpayer consent — Eko's DigiLocker integration includes a DPDP-compliant consent capture step.
Frequently Asked Questions
How many quarters of GST data can I fetch per call?+
Eko's Advanced GST API provides up to 12 quarters (3 years) of filing history including return status, taxable value, and compliance score per GSTIN.
Can I fetch a client's ITR directly from the CBDT system?+
Yes. DigiLocker stores ITR-V acknowledgements and Form 26AS filed through the income tax portal — fetchable with the taxpayer's explicit DigiLocker consent.
Can I use GST history as a credit scoring signal?+
Yes. GST filing regularity, turnover trend, and compliance score are used by multiple NBFCs as primary credit indicators for MSMEs with no bureau history.
Does the Name Match API work for GST trade names vs. PAN legal names?+
Yes. Name Match uses fuzzy matching with transliteration support — handles regional name variations and GST trade name abbreviations versus full legal PAN names.
Is this useful for GST ITC fraud detection?+
Yes. Cross-validating supplier PAN, GSTIN, and bank account holder names against purchase invoices using Name Match catches a significant portion of fake invoice fraud.
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