Education APIs for student loans, fee collection & institution KYB
Disburse student loans instantly, collect fees via BBPS, verify educational institutions, and pull academic records directly from DigiLocker — Eko gives edtech and education finance platforms the complete API stack.
The challenge for Education
India's education finance market is growing at 20%+ annually — yet education NBFCs still disburse through manual bank transfers and collect via cheques, creating reconciliation nightmares and delayed access for students.
For EdTech platforms, the challenge is institution onboarding: verifying a coaching centre or university partner is legitimate before enabling payments. For education lenders, the challenge is documentation — pulling IT returns, Aadhaar, and mark sheets from students who may have all of these in DigiLocker but won't physically submit them.
Recommended solution packs
Pre-bundled API stacks designed for your industry workflow.
All APIs you'll need
Every Eko API relevant to your industry, with relevance indicators.
Real-world use cases
Student loan disbursal in 90 seconds
Situation: An education NBFC wants to disburse personal loans for coaching fees before students drop off to a competitor.
Integration: Lending KYC Pack: student submits mobile → OTP → PAN → DigiLocker auto-pulls Aadhaar + mark sheet → bank penny-drop → fund transfer to institution account immediately.
Result: Application-to-disbursal time cut from 3 days to 90 seconds. Conversion improved 3.5x.
School fee BBPS integration
Situation: A school management SaaS wants to collect fees via BBPS so parents can pay from any bank, wallet, or UPI app.
Integration: BBPS API registers the school as a biller. Parents pay via any BBPS-enabled app — funds credited to school account next day.
Result: On-time fee collection improved from 62% to 91%. Cash and cheque collection eliminated entirely.
EdTech partner institution KYB
Situation: An online learning platform partners with 5,000 offline coaching institutes and must verify each before activation.
Integration: Merchant Onboarding Pack: GST verify → PAN confirms promoter identity → bank penny-drop confirms payout account.
Result: Institute activation from 2 weeks to same-day. Fraudulent signups eliminated.
Why Eko for Education
Paperless document collection
DigiLocker pulls mark sheets, certificates, and ITR-V from the source — no physical scans, no forgery risk.
BBPS fee collection
Enable parents to pay fees from any bank, UPI app, or wallet via India's Bharat Connect network.
Instant loan disbursal
UPI and IMPS payment rails disburse approved loan amounts within seconds of bank account verification.
RBI compliant lending flows
Fund Transfer, bank verification, and KYC stack designed for RBI Digital Lending Direction compliance.
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.
Frequently Asked Questions
Can DigiLocker pull educational documents like marksheets?+
Yes. DigiLocker stores CBSE, university, and state board marksheets, degree certificates, and diplomas — fetchable with student consent via Eko's DigiLocker API.
Is BBPS fee collection available for all types of institutions?+
Yes. Schools, colleges, coaching institutes, and universities can register as BBPS billers. Parents pay from any BBPS-enabled app, bank, or counter.
How does the student loan KYC flow work?+
PAN + Aadhaar for identity, DigiLocker for academic documents, and bank penny-drop for the disbursement account — all steps run in parallel for speed.
Can I verify if a university is a legitimate institution before partnering?+
GST and PAN verification confirm the institution's legal business entity. For NAAC/UGC-specific accreditation checks, supplementary lookups are available via our enterprise team.
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