--- type: "industry" title: "Lending & NBFC APIs | Eko Platform Services" description: "RBI-compliant API stack for digital lenders in India. PAN, bank, DigiLocker, instant disbursal, BBPS collection. Sandbox in minutes." keywords: "lending api india, nbfc api platform, kyc api for lending, digital lending api india, rbi digital lending api" slug: "lending-nbfc" category: "financial-services" canonical: "https://eps.eko.in/industries/lending-nbfc" --- > **Canonical URL:** https://eps.eko.in/industries/lending-nbfc > _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._ # 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. 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 Digital Lending compliant - 99.9% uptime ## The Challenge 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 ### Lending KYC Pack _(featured)_ Everything a digital lender needs to onboard a borrower in under 90 seconds. **Includes:** PAN Advanced, Bank Verification, DigiLocker, Aadhaar Verification, GST Verification, Fund Transfer [View solution pack](https://eps.eko.in/solutions/lending-kyc-pack) ### MSME Credit Assessment Pack Assess MSME creditworthiness using GST filing patterns, ITR history, and bank account validation — no traditional credit score required. **Includes:** GSTIN Verify, PAN Advanced, Bank Verification, GST Verification [View solution pack](https://eps.eko.in/solutions/msme-credit-assessment-pack) ## Recommended APIs | API | Description | Relevance | Link | Markdown Link | | --- | --- | --- | --- | --- | | PAN Verification (Advanced) | Fetch full borrower identity in <2 seconds | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) | | Bank Account Verification (Penny Drop) | Confirm payout account before disbursal | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) | | DigiLocker | Pull Aadhaar, driving licence, marksheets paperlessly | High | [Details](https://eps.eko.in/products/digilocker-api) | [Markdown](https://eps.eko.in/products/digilocker-api.md) | | Aadhaar Verification | Cross-check identity to prevent mule accounts | High | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) | | Fund Transfer (NEFT/IMPS/UPI) | Disburse loans instantly to verified accounts | High | [Details](https://eps.eko.in/products/payment-api) | [Markdown](https://eps.eko.in/products/payment-api.md) | | BBPS | Collect EMIs nationwide via Bharat Connect | High | [Details](https://eps.eko.in/products/bbps-api) | [Markdown](https://eps.eko.in/products/bbps-api.md) | | GSTIN Verification | For MSME credit assessment | High | [Details](https://eps.eko.in/products/gst-verification-api) | [Markdown](https://eps.eko.in/products/gst-verification-api.md) | | AePS Cashout | Enable rural borrowers to withdraw disbursed funds at agent points | Medium | [Details](https://eps.eko.in/products/aeps-api) | [Markdown](https://eps.eko.in/products/aeps-api.md) | ## Use Case Scenarios ### 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. **Outcome:** 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. **Outcome:** ₹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. **Outcome:** 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. **Outcome:** 30% improvement in customer satisfaction, faster recycling of working capital. ## Why Eko ### 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. ## 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 ### 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. ## FAQs ### 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. ## Related Industries - [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md)) - [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md)) - [Insurance](https://eps.eko.in/industries/insurance) ([markdown](https://eps.eko.in/industries/insurance.md))