--- type: "industry" title: "Real Estate APIs | Home Loan KYC, Broker & Tenant Verification | Eko" description: "Home loan KYC, broker onboarding, and tenant verification APIs for India's real estate sector. DigiLocker ITR fetch, EPFO employment check, bank verification. RBI compliant." keywords: "real estate api india, home loan kyc api, broker verification api india, tenant screening api, digilocker itr api, proptech api india" slug: "real-estate" category: "sector-specific" canonical: "https://eps.eko.in/industries/real-estate" --- > **Canonical URL:** https://eps.eko.in/industries/real-estate > _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._ # 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. 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 ITR Fetch - 99.9% Uptime ## The Challenge 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 ### Lending KYC Pack _(featured)_ Full home loan applicant KYC — OTP, PAN, Aadhaar, DigiLocker for ITR, bank penny-drop, 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 Onboard real estate developers and brokers — PAN, GST, and bank verification for commission payouts. **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 | | --- | --- | --- | --- | --- | | PAN Verification | Home loan applicant and property buyer identity verification | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) | | Aadhaar Verification | Address and identity for KYC — confirms current residence matches application | High | [Details](https://eps.eko.in/products/aadhaar-verification-api) | [Markdown](https://eps.eko.in/products/aadhaar-verification-api.md) | | DigiLocker | Pull ITR-V, Form 16, and Aadhaar from source — paperless loan documentation | High | [Details](https://eps.eko.in/products/digilocker-api) | [Markdown](https://eps.eko.in/products/digilocker-api.md) | | Bank Account Verification | Validate EMI debit and broker payout accounts | High | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) | | GST Verification | Verify developer and broker business registration and GST compliance | High | [Details](https://eps.eko.in/products/gst-verification-api) | [Markdown](https://eps.eko.in/products/gst-verification-api.md) | | Employee Verification (EPFO) | Verify employment and income for tenant screening and loan underwriting | Medium | [Details](https://eps.eko.in/products/employee-verification-api) | [Markdown](https://eps.eko.in/products/employee-verification-api.md) | | UPI Payout | Instant broker commission disbursals after deal closure | Medium | [Details](https://eps.eko.in/products/upi-payout-api) | [Markdown](https://eps.eko.in/products/upi-payout-api.md) | ## Use Case Scenarios ### 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. **Outcome:** 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. **Outcome:** 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. **Outcome:** Rental fraud (fake employment letters) dropped 85% after EPFO verification was introduced. ## Why Eko ### 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. ## 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 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. ## FAQs ### 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. ## Related Industries - [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md)) - [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md)) - [Staffing & HR](https://eps.eko.in/industries/staffing-hr) ([markdown](https://eps.eko.in/industries/staffing-hr.md))