--- type: "solution pack" title: "Lending KYC Pack — Digital Lending API Bundle | Eko" description: "RBI-compliant API stack for digital lenders in India. PAN, bank, DigiLocker, instant disbursal, BBPS collection. Sandbox in minutes. Trusted by 200+ lenders." keywords: "lending kyc api bundle india, digital lending kyc package, nbfc kyc api stack, kyc api for lending" slug: "lending-kyc-pack" category: "lending-credit" canonical: "https://eps.eko.in/solutions/lending-kyc-pack" --- > **Canonical URL:** https://eps.eko.in/solutions/lending-kyc-pack > _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 KYC Pack Everything a digital lender needs to onboard, verify, and disburse — in one bundle. _Onboard borrowers in under 90 seconds_ To get started, fill the form at https://eps.eko.in/signup (with your name and mobile number) or call us at +919513181707 ## APIs in this pack - [PAN Advanced](https://eps.eko.in/products/pan-verification-api) ([markdown](https://eps.eko.in/products/pan-verification-api.md)) - [Bank Verification](https://eps.eko.in/products/bank-verification-api) ([markdown](https://eps.eko.in/products/bank-verification-api.md)) - [DigiLocker](https://eps.eko.in/products/digilocker-api) ([markdown](https://eps.eko.in/products/digilocker-api.md)) - [Aadhaar Verification](https://eps.eko.in/products/aadhaar-verification-api) ([markdown](https://eps.eko.in/products/aadhaar-verification-api.md)) - [GST Verification](https://eps.eko.in/products/gst-verification-api) ([markdown](https://eps.eko.in/products/gst-verification-api.md)) - [Fund Transfer](https://eps.eko.in/products/upi-payout-api) ([markdown](https://eps.eko.in/products/upi-payout-api.md)) ## Trust Signals - RBI compliant - 99.9% uptime ## What This Pack Does Onboard a digital loan applicant in under 90 seconds with verified identity, income, and a payout-ready bank account. ## Included APIs ### [PAN Verification (Advanced)](https://eps.eko.in/products/pan-verification-api) **What it does:** Fetch full borrower identity including name, DOB, and PAN status in <2 seconds. **Why it matters:** The first verification in every lending journey — confirms identity and links to income data. ### [Bank Account Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api) **What it does:** Confirm the borrower's bank account is active and the name matches. **Why it matters:** RBI Digital Lending Directions require verified bank accounts before disbursal. Penny drop is the industry standard. ### [DigiLocker](https://eps.eko.in/products/digilocker-api) **What it does:** Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration. **Why it matters:** Eliminates document upload friction — borrower consents once and all docs are fetched automatically. ### [Aadhaar Verification](https://eps.eko.in/products/aadhaar-verification-api) **What it does:** Verify address and identity using Aadhaar number + OTP. **Why it matters:** Adds a biometric-linked identity layer on top of PAN — the combination prevents most synthetic identity fraud. ### [GST Verification](https://eps.eko.in/products/gst-verification-api) **What it does:** Validate GSTIN and pull filing patterns as a cash-flow proxy. **Why it matters:** For MSME borrowers with no credit score, GST filing history is the most reliable income signal. ### [Fund Transfer (UPI/IMPS/NEFT)](https://eps.eko.in/products/upi-payout-api) **What it does:** Disburse loans instantly to the verified bank account. **Why it matters:** Closes the loop — once all verifications pass, the disbursal fires automatically in the same workflow. ## How It Works 1. Mobile OTP — authenticate borrower 2. PAN Advanced — fetch identity & status 3. DigiLocker — pull Aadhaar & ITR paperlessly 4. Bank Account Verification — penny-drop confirmation 5. GST Verification — income & cash-flow assessment 6. Fund Transfer — instant disbursal to verified account ## Industries Using This Pack - [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md)) - [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md)) - [SaaS Platforms](https://eps.eko.in/industries/saas-platforms) ([markdown](https://eps.eko.in/industries/saas-platforms.md)) - [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md)) ## FAQs ### 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. ## Related Solutions - [MSME Credit Assessment Pack](https://eps.eko.in/solutions/msme-credit-assessment-pack) — Assess MSME creditworthiness via GST + ITR patterns ([markdown](https://eps.eko.in/solutions/msme-credit-assessment-pack.md)) - [Merchant Onboarding Pack](https://eps.eko.in/solutions/merchant-onboarding-pack) — KYB + payment setup for merchants & sellers ([markdown](https://eps.eko.in/solutions/merchant-onboarding-pack.md)) - [MFI Field Operations Pack](https://eps.eko.in/solutions/mfi-field-operations-pack) — Field collection & disbursal for microfinance ([markdown](https://eps.eko.in/solutions/mfi-field-operations-pack.md))