Automotive APIs for vehicle verification, financing & insurance
Auto-fill insurance proposals, verify vehicle ownership for financing, and check fleet credentials in seconds — Eko's automotive APIs connect directly to the VAHAN and Sarathi national databases.
The challenge for Automotive
India's automotive sector processes millions of insurance renewals, vehicle loan disbursals, and used-car transactions every year — all requiring accurate vehicle data that customers often misremember or misrepresent. Manual RC lookups and physical document verification add hours or days to what should be instant transactions.
Eko's Vehicle & RC Verification API taps directly into VAHAN 4.0 — returning verified make, model, engine, chassis, ownership, insurance status, blacklist, and permit details in under 2 seconds. This enables instant insurance quotes, fraud-proof loan origination, and automated fleet compliance at scale.
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
Instant motor insurance renewal
Situation: An insurer wants to let customers renew two-wheeler insurance in under 60 seconds via a mobile app.
Integration: Customer enters registration number → Vehicle & RC Verification auto-fills make/model/year, confirms previous policy and NCB → instant premium calculated → policy issued.
Result: Renewal flow time cut from 8 minutes to 45 seconds. Renewal conversion rate doubled.
Used-car loan origination without RC fraud
Situation: An auto-finance NBFC processes 5,000 used-car loan applications per month and sees 3% fraud from misrepresented vehicles.
Integration: Vehicle & RC Verification API confirms chassis, engine, and hypothecation status on application submission — before any field visit.
Result: Vehicle fraud rate reduced to near zero. Field visit requirement eliminated for 80% of applications.
Dealership service contract verification
Situation: An auto dealership network verifies vehicle ownership before each service appointment to prevent unauthorised servicing.
Integration: Vehicle & RC Verification confirms current registered owner matches the customer. DL Verification checks driver's licence for liability purposes.
Result: Unauthorised service claims eliminated. Duplicate warranty fraud reduced 90%.
Why Eko for Automotive
Direct VAHAN 4.0 integration
99%+ coverage of India's 300+ million registered vehicles across all 36 state RTOs.
Auto-fill everything
One registration lookup fills make, model, fuel, engine, chassis, owner, and insurance history.
Stolen & hypothecated check
Vehicle & RC Verification returns blacklist and hypothecation status — critical for used-car lending.
How to Integrate
Get started in minutes with our simple integration process
Sign Up
Sign up in minutes at ekostore.app/eps with your mobile number (OTP verify).
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
Test APIs Live
Load funds into your wallet and test the APIs live before integrating.
Integrate
Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
Go Live
Get production credentials and start processing real transactions.
Sign Up
Sign up in minutes at ekostore.app/eps with your mobile number (OTP verify).
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
Test APIs Live
Load funds into your wallet and test the APIs live before integrating.
Integrate
Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
Go Live
Get production credentials and start processing real transactions.
Compliance & regulatory
IRDAI KYC norms
PAN and Aadhaar verification meet IRDAI policyholder identity requirements for all motor policy types.
Motor Vehicles Act 2019
RC and DL data sourced from authoritative VAHAN/Sarathi databases — same data used by traffic enforcement.
Frequently Asked Questions
What data does the Vehicle & RC Verification API return?+
Make, model, fuel type, engine number, chassis number, registration date, owner name, hypothecation status, financing institution, insurance details, blacklist status, and permit info — 50+ fields in a single call.
Does the API check for stolen vehicles?+
Yes. Vehicle & RC Verification returns VAHAN's blacklist status — stolen vehicles registered in the system are flagged in the API response.
Can I check vehicles registered in any state?+
Yes. VAHAN is a national database — vehicle RC data for any registration number, regardless of originating state, is accessible via a single API call.
How current is the insurance data?+
Insurance data in VAHAN is typically updated within 24–72 hours of a policy being issued or renewed.
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