---
type: "solution pack"
title: "MSME Credit Assessment Pack | Eko Platform Services"
description: "Assess MSME creditworthiness using GST filing patterns and ITR — no credit bureau needed. Lend to 63 million underserved businesses. RBI compliant."
keywords: "msme credit assessment api, gst based lending india, alternative credit scoring msme, nbfc msme api"
slug: "msme-credit-assessment-pack"
category: "lending-credit"
canonical: "https://eps.eko.in/solutions/msme-credit-assessment-pack"
---


> **Canonical URL:** https://eps.eko.in/solutions/msme-credit-assessment-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._

# MSME Credit Assessment Pack

Assess MSME creditworthiness using GST filing patterns, ITR history, and bank account validation — no traditional credit score required.

_Assess MSME credit via GST + ITR — no credit score needed_

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

- [GST Verification](https://eps.eko.in/products/gst-verification-api) ([markdown](https://eps.eko.in/products/gst-verification-api.md))
- [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))

## Trust Signals

- Used by new-age NBFCs
- RBI compliant
- 99.9% uptime

## What This Pack Does

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.

## Included APIs

### [GST Verification & Filing History](https://eps.eko.in/products/gst-verification-api)
**What it does:** Fetch GSTIN details, filing patterns, and turnover trends across quarters.

**Why it matters:** 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)](https://eps.eko.in/products/pan-verification-api)
**What it does:** Fetch promoter identity, PAN category, and cross-link to business PAN.

**Why it matters:** Links the business identity to the promoter — essential for sole proprietors and personal-guarantee lending.

### [Bank Account Verification](https://eps.eko.in/products/bank-verification-api)
**What it does:** Validate the MSME's primary operating account via penny drop.

**Why it matters:** Confirms the settlement account exists and the business name matches — prevents mule account disbursals.

### [DigiLocker (ITR Documents)](https://eps.eko.in/products/digilocker-api)
**What it does:** Fetch ITR-V and Form-26AS documents directly from the borrower's DigiLocker.

**Why it matters:** Provides verified income history without relying on self-submitted PDFs — eliminates document forgery risk.

## How It Works

1. MSME enters GSTIN — system fetches 8 quarters of filing data
2. PAN verification — link promoter identity to business
3. DigiLocker — pull ITR-V & Form-26AS
4. Bank Account Verification — validate operating account
5. Credit model scores the MSME — loan offer generated

## 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))

## FAQs

### 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 + PAN + bank statement via DigiLocker.

## Related Solutions

- [Lending KYC Pack](https://eps.eko.in/solutions/lending-kyc-pack) — Full KYC for borrower onboarding & disbursal ([markdown](https://eps.eko.in/solutions/lending-kyc-pack.md))
- [Merchant Onboarding Pack](https://eps.eko.in/solutions/merchant-onboarding-pack) — KYB + payment activation for merchants ([markdown](https://eps.eko.in/solutions/merchant-onboarding-pack.md))