---
type: "industry"
title: "Accounting & Tax APIs | GST Verification, ITR & MSME Credit | Eko"
description: "GST filing history, ITR data pull, PAN verification, and MSME credit assessment APIs for CAs, accounting SaaS, and tax platforms. 12 quarters of GST data. Sandbox free."
keywords: "gst verification api india, itr api india, msme credit assessment api, accounting api india, ca gst data api, pan gst verification india"
slug: "accounting-tax"
category: "sector-specific"
canonical: "https://eps.eko.in/industries/accounting-tax"
---


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# 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.

To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707

## Trust Signals

- CBDT ITR Data via DigiLocker
- RBI Compliant
- 99.9% Uptime

## The Challenge

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

### MSME Credit Assessment Pack _(featured)_
Assess MSME creditworthiness using GST filing patterns, ITR history, and bank account validation — no traditional credit score required.

**Includes:** GST Verification, PAN Advanced, Bank Verification, DigiLocker

[View solution pack](https://eps.eko.in/solutions/msme-credit-assessment-pack)

### Merchant Onboarding Pack
Onboard business clients with PAN, GST, and bank verification — activate them for billing and service access.

**Includes:** PAN Verification, GST Verification, Bank Verification, Aadhaar Verification

[View solution pack](https://eps.eko.in/solutions/merchant-onboarding-pack)

### Lending KYC Pack
Full KYC for MSME loan applicants — PAN, DigiLocker ITR, GST history, bank account, instant disbursal.

**Includes:** PAN Advanced, DigiLocker, GST Verification, Bank Verification, Fund Transfer

[View solution pack](https://eps.eko.in/solutions/lending-kyc-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| GST Verification (Advanced) | Fetch up to 12 quarters of filing history, turnover trends, and compliance score | High | [Details](https://eps.eko.in/products/gst-verification-api) | [Markdown](https://eps.eko.in/products/gst-verification-api.md) |
| PAN Verification (Advanced) | Verify taxpayer identity and check PAN-GST linkage for business clients | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) |
| DigiLocker | Pull ITR-V, Form 26AS, and financial statements directly from CBDT with taxpayer consent | High | [Details](https://eps.eko.in/products/digilocker-api) | [Markdown](https://eps.eko.in/products/digilocker-api.md) |
| Bank Account Verification | Validate client payout and tax refund accounts | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) |
| Aadhaar Verification | Individual taxpayer identity and address verification | Medium | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) |
| Name Match | Cross-validate PAN name, GST trade name, and bank account holder — catch discrepancies for ITC fraud detection | Medium | [Details](https://eps.eko.in/products/name-match-api) | [Markdown](https://eps.eko.in/products/name-match-api.md) |

## Use Case Scenarios

### 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.

**Outcome:** 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.

**Outcome:** ₹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.

**Outcome:** Fraudulent vendor additions dropped 94%. AP team eliminated manual bank detail verification entirely.

## Why Eko

### 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.

## Integration Steps

1. **Sign Up** — Create an account on Connect App and get your sandbox credentials.
2. **Submit KYC** — Complete your business KYC verification process.
3. **Integrate APIs** — Use our comprehensive documentation to integrate the APIs.
4. **Test in Sandbox** — Test your integration thoroughly in our sandbox environment.
5. **Go Live** — Get production credentials and start processing real transactions.

## Compliance

### 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.

## FAQs

### 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.

## Related Industries

- [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md))
- [SaaS Platforms](https://eps.eko.in/industries/saas-platforms) ([markdown](https://eps.eko.in/industries/saas-platforms.md))
- [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md))