Lending KYC API Pack
Everything a digital lender needs to onboard, verify, and disburse — in one bundle.
What You Can Achieve
"Onboard a digital loan applicant in under 90 seconds with verified identity, income, and a payout-ready bank account."
What You Get
Every API in this pack, what it does, and why it's included.
PAN Verification (Advanced) API
See API docs →What it does:Fetch full borrower identity including name, DOB, and PAN status in <2 seconds.
Why it's in this pack:The first verification in every lending journey — confirms identity and links to income data.
Bank Account Verification (Penny Drop) API
See API docs →What it does:Confirm the borrower's bank account is active and the name matches.
Why it's in this pack:RBI Digital Lending Directions require verified bank accounts before disbursal. Penny drop is the industry standard.
DigiLocker API
See API docs →What it does:Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration.
Why it's in this pack:Eliminates document upload friction — borrower consents once and all docs are fetched automatically.
Aadhaar Verification API
See API docs →What it does:Verify address and identity using Aadhaar number + OTP.
Why it's in this pack:Adds a biometric-linked identity layer on top of PAN — the combination prevents most synthetic identity fraud.
GST Verification API
See API docs →What it does:Validate GSTIN and pull filing patterns as a cash-flow proxy.
Why it's in this pack:For MSME borrowers with no credit score, GST filing history is the most reliable income signal.
Fund Transfer (UPI/IMPS/NEFT) API
See API docs →What it does:Disburse loans instantly to the verified bank account.
Why it's in this pack:Closes the loop — once all verifications pass, the disbursal fires automatically in the same workflow.
How it works
Mobile OTP — authenticate borrower
PAN Advanced — fetch identity & status
DigiLocker — pull Aadhaar & ITR paperlessly
Bank Account Verification — penny-drop confirmation
GST Verification — income & cash-flow assessment
Fund Transfer — instant disbursal to verified account
Frequently Asked Questions
How does Eko's name matching 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 in 5–7 business days after NBFC-specific KYC documentation is submitted.
Do you support co-lending portfolio reconciliation?+
Yes. Our bulk verification APIs support portfolio-level reconciliation, with the Co-lending Compliance Pack providing additional batch tools for NBFC-bank co-lending workflows.
Is there a minimum monthly transaction commitment?+
No minimum commitment for the sandbox. Production accounts have no mandatory minimum, though volume pricing tiers start at 1,000 monthly API calls.
One App for All Your Verification Needs
KYC, KYB, compliance & workflows — already built, ready to use.
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