MFI Field Operations API Pack
Digital tools for microfinance field officers — paperless KYC, biometric collections, and instant disbursals for JLG and SHG lending models.
What You Can Achieve
"Enable MFI field officers to collect repayments biometrically, disburse loans directly to borrower accounts, and complete KYC paperlessly — all from a mobile device in the field."
What You Get
Every API in this pack, what it does, and why it's included.
AePS Cashout API
See API docs →What it does:Aadhaar-authenticated biometric repayment collection at borrower's doorstep.
Why it's in this pack:Replaces cash collection with biometric proof — eliminates misappropriation and provides an instant audit trail for every EMI.
Aadhaar Verification API
See API docs →What it does:Verify borrower identity with Aadhaar OTP for KYC compliance.
Why it's in this pack:RBI KYC norms require Aadhaar-based identity for MFI borrowers. OTP-based verification works even without biometric devices.
Bank Account Verification API
See API docs →What it does:Validate borrower's bank account before disbursal.
Why it's in this pack:Many JLG borrowers receive their first formal bank account for MFI lending — verifying it prevents disbursal failures.
Fund Transfer (Disbursal) API
See API docs →What it does:Instant loan disbursal directly to borrower's bank account.
Why it's in this pack:RBI mandates direct bank account disbursal for microfinance — cash disbursal through field officers is non-compliant.
DigiLocker API
See API docs →What it does:Fetch Aadhaar, ration card, and other KYC documents paperlessly.
Why it's in this pack:MFI field officers can complete full KYC from a mobile without physical document collection or storage.
How it works
Field officer visits borrower — mobile app initiates session
Aadhaar Verification — borrower identity confirmed via OTP
Bank Account Verification — disbursal account validated
Fund Transfer — loan amount sent directly to bank account
AePS collection — biometric EMI collection at next visit
Frequently Asked Questions
Does AePS work in areas with poor internet connectivity?+
AePS requires a minimal data connection for biometric authentication. Eko's SDK supports offline queuing — transactions are submitted when connectivity resumes.
Can one field officer serve borrowers at multiple different banks?+
Yes. Eko's AePS integration covers NPCI's interoperable network — a single device can process withdrawals from all Aadhaar-linked bank accounts regardless of bank.
How does the JLG model work with AePS collection?+
The system supports group-level session management — a field officer can process multiple borrower collections in a single visit with each Aadhaar authentication creating a separate receipt.
Need a Ready-Made Verification App?
Skip building. Eko Shield gives you a complete KYC & compliance system out of the box.
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