MSME Credit Assessment API Pack
Assess MSME creditworthiness using GST filing patterns, ITR history, and bank account validation — no traditional credit score required.
What You Can Achieve
"Assess an MSME's creditworthiness in minutes using GST filing patterns, ITR history, and bank validation — enabling lending to 63 million underserved businesses with no credit history."
What You Get
Every API in this pack, what it does, and why it's included.
GST Verification & Filing History API
See API docs →What it does: Fetch GSTIN details, filing patterns, and turnover trends across quarters.
Why it's in this pack: GST compliance patterns are the best proxy for MSME cash flow — replacing the monthly bank statement request with an automated data pull.
PAN Verification (Advanced) API
See API docs →What it does: Fetch promoter identity, PAN category, and cross-link to business PAN.
Why it's in this pack: Links the business identity to the promoter — essential for sole proprietors and personal-guarantee lending.
Bank Account Verification API
See API docs →What it does: Validate the MSME's primary operating account via penny drop.
Why it's in this pack: Confirms the settlement account exists and the business name matches — prevents mule account disbursals.
DigiLocker (ITR Documents) API
See API docs →What it does: Fetch ITR-V and Form-26AS documents directly from the borrower's DigiLocker.
Why it's in this pack: Provides verified income history without relying on self-submitted PDFs — eliminates document forgery risk.
ITR Compliance Check API
See API docs →What it does: Check income tax return filing status and compliance via PAN.
Why it's in this pack: Quick pre-screen before pulling full ITR documents — confirms the borrower has filed returns and is tax-compliant.
CIN Verification API
See API docs →What it does: Validate Company Identification Number for incorporated MSMEs.
Why it's in this pack: For Pvt Ltd and LLP borrowers, CIN check confirms the entity is active and not struck off — a basic corporate due diligence step.
DIN Verification API
See API docs →What it does: Verify the directors' DIN for Pvt Ltd / LLP MSMEs via MCA.
Why it's in this pack: Confirms the borrowing entity's directors are active and not disqualified — corporate due diligence alongside CIN.
How it works
MSME enters GSTIN — system fetches 8 quarters of filing data
PAN verification — link promoter identity to business
DigiLocker — pull ITR-V & Form-26AS
Bank Account Verification — validate operating account
Credit model scores the MSME — loan offer generated
Frequently Asked Questions
How many quarters of GST data can I access?+
Eko's GST verification API provides up to 12 quarters of filing history including return filing status, taxable value trends, and compliance score.
Does this work for MSMEs with turnover below GST threshold?+
For MSMEs below the ₹40 lakh GST threshold, the pack falls back to Aadhaar (DigiLocker) + PAN + bank statement via DigiLocker.
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