--- type: "industry" title: "Education APIs | Student Loan, Fee Collection & KYB | Eko" description: "Student loan disbursal, BBPS fee collection, DigiLocker document verification, and institution KYB APIs for India's education sector. RBI compliant. Sandbox in minutes." keywords: "education loan api india, student loan disbursal api, bbps fee collection api, digilocker education api, edtech kyb api india" slug: "education" category: "sector-specific" canonical: "https://eps.eko.in/industries/education" --- > **Canonical URL:** https://eps.eko.in/industries/education > _This is a machine-readable Markdown version of the page for AI agents and LLMs. The primary (HTML) version lives at the canonical URL above._ # 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. 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 - RBI Compliant - DigiLocker Integration - 99.9% Uptime ## The Challenge 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 ### Lending KYC Pack _(featured)_ Onboard student loan applicants in under 90 seconds — OTP, PAN, Aadhaar, DigiLocker, bank, instant disbursal. **Includes:** Mobile OTP, PAN Advanced, DigiLocker, Aadhaar Verification, Bank Verification, Fund Transfer [View solution pack](https://eps.eko.in/solutions/lending-kyc-pack) ### Merchant Onboarding Pack Verify coaching institutes and university partners — PAN, GST, bank in one automated KYB flow. **Includes:** PAN Verification, GST Verification, Bank Verification, Aadhaar Verification [View solution pack](https://eps.eko.in/solutions/merchant-onboarding-pack) ## Recommended APIs | API | Description | Relevance | Link | Markdown Link | | --- | --- | --- | --- | --- | | DigiLocker | Pull mark sheets, degree certificates, Aadhaar, and ITR-V directly — eliminates document forgery | High | [Details](https://eps.eko.in/products/digilocker-api) | [Markdown](https://eps.eko.in/products/digilocker-api.md) | | PAN Verification | Student and guardian identity verification for loan KYC | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) | | Aadhaar Verification | Address and biometric identity for student onboarding | High | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) | | Bank Account Verification | Validate student and institution disbursal accounts before transferring loans or fee payments | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) | | BBPS | Enable school and college fee EMI collection on Bharat Connect | High | [Details](https://eps.eko.in/products/bbps-api) | [Markdown](https://eps.eko.in/products/bbps-api.md) | | GST Verification | Verify institution business registration for EdTech partner KYB | Medium | [Details](https://eps.eko.in/products/gst-verification-api) | [Markdown](https://eps.eko.in/products/gst-verification-api.md) | | UPI Payout | Disburse student loan amounts instantly to verified bank accounts | Medium | [Details](https://eps.eko.in/products/upi-payout-api) | [Markdown](https://eps.eko.in/products/upi-payout-api.md) | ## Use Case Scenarios ### 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. **Outcome:** 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. **Outcome:** 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. **Outcome:** Institute activation from 2 weeks to same-day. Fraudulent signups eliminated. ## Why Eko ### 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. ## 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. ## FAQs ### 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. ## 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))