Lending & NBFC APIs for India's digital lenders
From borrower onboarding to instant disbursal to digital collections — Eko gives NBFCs, fintech lenders, and co-lending partners a single API stack that's RBI-compliant out of the box.
The challenge for Lending & NBFC
India has 63 million underserved MSMEs and 500+ million credit-eligible adults — but onboarding them, assessing their creditworthiness, and disbursing funds compliantly has been a six-vendor, six-contract problem. The RBI's Digital Lending Directions add a layer of complexity around verified bank accounts, direct disbursal, and borrower KYC that small NBFCs struggle to meet without dedicated tech teams.
Eko consolidates the entire lending workflow — KYC, credit assessment, disbursal, and collection — into a single API platform with one contract, one dashboard, and one integration partner.
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
Personal loan onboarding in 90 seconds
Situation: A digital lender wants to onboard a salaried borrower from app download to disbursal in under two minutes.
Integration: They integrate the Lending KYC Pack: borrower enters mobile → OTP → PAN → DigiLocker auto-pulls Aadhaar → bank account penny-drop → loan disbursed via UPI.
Result: 4x conversion improvement, 60% drop in fraud applications.
MSME working capital, no credit score needed
Situation: A new-age NBFC wants to lend to kirana stores that have no credit history.
Integration: They use the MSME Credit Assessment Pack to pull GST filing patterns (a cash-flow proxy) plus bank account validation.
Result: ₹10 Cr disbursed in 3 months to previously rejected borrowers.
Co-lending portfolio verification
Situation: A bank partnering with a fintech lender under RBI co-lending guidelines must verify every borrower in a 50,000-loan portfolio.
Integration: They use Bulk PAN + Bulk Bank Account Verification to reconcile the portfolio overnight.
Result: Monthly compliance reporting that took 2 weeks now takes 2 hours.
Rural disbursal with AePS withdrawal
Situation: A rural-focused NBFC disburses loans to farmers' bank accounts but borrowers struggle to withdraw without nearby ATMs.
Integration: They add AePS Cashout to their stack — borrowers withdraw at any of Eko's 200K+ agent touchpoints using fingerprint.
Result: 30% improvement in customer satisfaction, faster recycling of working capital.
Why Eko for Lending & NBFC
Instant disbursal across all rails
UPI, IMPS, NEFT, RTGS with smart routing for highest success rates.
RBI Digital Lending compliant
Direct RE-to-borrower disbursal, verified bank accounts, full audit trail.
Built-in fraud prevention
Name Match, IP velocity checks, GST cross-validation, biometric authentication.
Scales from startup to enterprise
Same APIs power 5-loan-a-day pilots and 50,000-loan-a-day production systems.
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
RBI Digital Lending Directions
Eko's Fund Transfer, Bank Verification, and KYC stack are designed for direct RE-to-borrower flows.
CKYC upload within 3 days
Automated via Eko's KYC bundle.
PMLA/AML compliance
Name Match, IP Verification, and Reverse Geocoding for enhanced due diligence.
Frequently Asked Questions
Is Eko's Fund Transfer API compliant with RBI Digital Lending Directions?+
Yes. Eko's fund transfer API is designed for direct RE-to-borrower disbursals with full audit trails meeting RBI Digital Lending Direction requirements.
How does Eko's Name Match handle regional name variations?+
Our name-match engine uses fuzzy matching with regional transliteration support, handling variations across Hindi, Tamil, Telugu, Kannada, and Bengali name structures.
What's the typical sandbox-to-production timeline for an NBFC?+
Most NBFCs complete sandbox testing in 1–3 days and go live within 5–7 business days.
Do you support co-lending portfolio reconciliation?+
Yes. Bulk verification APIs support portfolio-level reconciliation for NBFC-bank co-lending workflows.
How does the AePS Cashout option help my rural borrowers?+
Rural borrowers can withdraw disbursed funds at any of Eko's 200K+ agent touchpoints using just Aadhaar + fingerprint — no ATM or bank branch required.
Is there a minimum monthly transaction commitment?+
No minimum commitment. Production accounts have no mandatory minimum.
Get API Access Now
Sign up now and start integrating in minutes. Our team will help you go live quickly.
- Sandbox access in minutes
- Dedicated integration support
- Comprehensive documentation
- Reliable, high-volume workflows
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