ITR Compliance API for Lending & Credit Assessment
Verify income tax return filing and compliance status using PAN — assess borrower and business creditworthiness with real-time ITR data for lending and due diligence workflows.
Starts at ₹2.04 per verification · excl. GSTView Pricing
Overview
The ITR Compliance Check API enables businesses to verify income tax return filing status using a PAN number. Use it for credit assessment, lending due diligence, and compliance verification.
What Can You Verify With ITR Compliance Check API?
Key details returned across all ITR Compliance Check API endpoints, ready to power your KYC and onboarding workflows.
PAN Number
The PAN number that was queried, echoed back from the source for confirmation.
ITR Filed Flag
Indicates whether the PAN holder has filed an income tax return for the queried assessment year. true = filed; false = not filed.
Assessment Year
The income-tax assessment year for which the ITR status is reported (e.g. '2024-25' corresponds to FY 2023-24).
Compliance Status
Overall tax compliance standing of the PAN holder as returned by the authority (e.g. Compliant, Non-Compliant, Pending).
Filing Status
Granular ITR filing status string as returned by the source — may carry values such as 'Filed', 'Not Filed', 'Under Processing', or 'Defective'.
ITR Compliance Check API Flow – Sample Request and Response
Send simple inputs. Get rich, verified data in seconds.
Check income tax return filing and compliance status for a PAN holder in real time — ideal for lending, credit assessment, and financial due-diligence workflows.
Key Features
Everything you need to integrate and scale
ITR Filing Status
Check whether a PAN holder has filed income tax returns and their compliance standing.
PAN-Based Lookup
Simple PAN number input — no additional documents or consent flows required.
Credit Assessment Signal
Use ITR filing patterns as a proxy for income verification and creditworthiness.
Automation Friendly
Integrate into lending pipelines, onboarding flows, and compliance checks seamlessly.
Who Should Use This API?
Primary Use Cases
How to Integrate
Get started in minutes with our simple integration process
- 1
Sign Up
Sign up in minutes with your mobile number (OTP verify).
- 2
Verify Identity
Complete your basic KYC with PAN and address details to verify your identity.
- 3
Test APIs Live
Load funds into your wallet and test the verification APIs live — evaluate before you integrate.
- 4
Integrate with AI
Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
- 5
Go Live
Start checking ITR compliance in production.
Frequently Asked Questions
What input is required?+
Only the PAN number is required to check ITR compliance status.
What details are returned?+
The API returns ITR filing status, assessment year, and compliance status for the given PAN number.
Can I use this for lending decisions?+
Yes. ITR compliance status is a strong signal for borrower creditworthiness, especially for MSMEs without traditional credit bureau scores.
How fast is the check?+
The API returns results in real time with sub-second response times.
How do I get started?+
Sign up at ekostore.app/eps, verify your identity with your PAN and address details, load your wallet to test the verification APIs live, then integrate and go live.
What is EPS?+
EPS (Eko Platform Services) is the technology arm of Eko, providing the developer tools, AI tools, and APIs that power modern fintech integration.
What are the different ways to integrate with Eko EPS?+
Integrate in whichever way suits your stack: call the REST APIs directly, use our official SDKs (JavaScript and PHP) to skip request-signing boilerplate, or let an AI coding agent build the integration using our MCP server and skills. See the Developers and AI sections for each path.
How does API authentication work?+
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an HMAC-SHA256 signature of the current timestamp, keyed by your access key. The access key itself is never sent over the wire. You receive UAT keys on signup and production keys after KYC.
Is there a sandbox environment for testing?+
Yes. A full sandbox environment is available immediately on signup. You can test your integration end-to-end before going live — no commitment required.
What are the sandbox and production base URLs?+
Sandbox and production share the same paths and differ only by base URL: use https://staging.eko.in/ekoapi/v3 for UAT / Sandbox, and https://api.eko.in/ekoicici/v3 for Production. A common cause of failures is calling the sandbox/staging URL with live credentials (or vice-versa) — make sure the base URL matches the keys you are using.
Do I need to whitelist my server IP?+
Production API access may require your static public (server) IP to be whitelisted. If your calls work from Postman but fail or time out from your own server, share your static public IP with us so we can whitelist it.
What response times can I expect?+
Most verification APIs return in real time with sub-second responses, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.
Can the API handle high volumes?+
Yes. The API is designed to handle large-scale volumes reliably without performance degradation.
How is API usage billed?+
Usage is billed per successful API call with no minimum commitment. Volume-based pricing tiers are available — contact our team for detailed rates.
Recommended Solution Packs
Pre-bundled API stacks that include ITR Compliance Check API, designed for common industry workflows.
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