Real Estate APIs for home loan KYC, tenant verification & broker onboarding
From home loan KYC to tenant background checks to developer and broker verification — Eko gives housing finance companies, proptech platforms, and real estate marketplaces the APIs to close deals faster.
The challenge for Real Estate
Real estate transactions involve India's largest personal financial commitments. Home loan KYC still relies on physical document submission and manual scrutiny that takes weeks. Housing finance companies are under RBI pressure to digitise borrower onboarding while maintaining robust fraud prevention.
For proptech platforms onboarding brokers and developers, the KYB challenge mirrors marketplaces: PAN, GST, and bank account must be verified before enabling listing and commission settlement. Tenant verification for rental platforms adds employment and identity verification on top.
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
Digital home loan KYC
Situation: A housing finance company wants to move from physical document submission to fully digital loan applications.
Integration: Lending KYC Pack: applicant submits Aadhaar OTP → PAN fetch → DigiLocker pulls ITR-V and Form 16 → bank penny-drop for EMI account → loan processing begins instantly.
Result: Application processing from 14 days to same-day. Document fraud dropped to near zero.
Proptech broker onboarding
Situation: A proptech marketplace onboards 1,000 brokers per month and needs to verify them before enabling listing and commission settlement.
Integration: Merchant Onboarding Pack: mobile OTP → PAN verify → GST check → bank penny-drop. Brokers activated for listing and disbursals.
Result: Broker activation from 5 days to under 10 minutes. Commission payout failures from 6% to 0.2%.
Tenant employment screening
Situation: A co-living platform screens thousands of tenant applications per month and needs employment verification alongside ID checks.
Integration: PAN + Aadhaar confirm identity and address. EPFO lookup verifies current employment and income. Bank verification confirms deposit refund account.
Result: Rental fraud (fake employment letters) dropped 85% after EPFO verification was introduced.
Why Eko for Real Estate
Paperless loan documentation
DigiLocker fetches ITR, salary slips, and Aadhaar from source — no physical copies needed at any stage.
EPFO income verification
Verify employment and income from authoritative EPFO records — fake salary slips can't pass.
RBI compliant
KYC, bank verification, and disbursal stack designed for NHB/RBI housing finance requirements.
Instant broker commissions
UPI Payout disburses broker commissions on deal closure — same-day settlement improves broker retention.
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 Housing Finance Directions (NHB)
KYC and bank verification stack meets NHB/RBI requirements for housing loan origination.
RERA compliance
GST + PAN verification of developers cross-validates business entity before listing projects on proptech platforms.
Frequently Asked Questions
Can DigiLocker pull ITR and salary slips for home loan KYC?+
Yes. DigiLocker stores ITR-V filed via the income tax portal, Form 26AS, and salary certificates from EPFO-registered employers — all fetchable with applicant consent.
Does EPFO verification work for self-employed applicants?+
Self-employed applicants without EPFO records are verified via GST filing history and bank statement via DigiLocker — alternative income proof paths supported.
Can I verify a developer's RERA registration?+
GST and PAN verification confirm the developer's business entity. RERA-specific database lookups are available as a custom integration — contact our enterprise team.
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