Verification APIs for Banking
Account opening and compliance APIs for banks - CKYC, Aadhaar and PAN verification, account validation and document OCR at branch and digital scale.
Banking profileIND / BANKING
- Banking
- 8 APIs
- Finance
- 3 APIs
- Identity
- 26 APIs
- Merchant
- 4 APIs
- Utility
- 1 API
- Vision
- 19 APIs
APIs on this page, by what they verify.
61 APIsBanks carry the strictest KYC obligations of any regulated entity, and the same checks must hold whether an account is opened at a branch counter or on a phone.
These APIs cover the regulated set - CKYC search and download, PAN and Aadhaar verification, account and IFSC validation - alongside the OCR and face-match tooling that makes remote onboarding practical.
The APIs, by what they verify
61 APIs across 6 categories.
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Banking
8 APIs- Bank Verification Hybrid APIVerify any Indian bank account with automatic routing between penny-drop and penny-less checks, so you get the fastest valid result every time.
- Bank Verification Penny Drop APIConfirm an Indian bank account is live and correctly owned by depositing one rupee and reading back the account holder name from the bank.
- Bank Verification Pennyless APIValidate an Indian bank account and fetch the account holder name without transferring any money, using real-time banking network data.
- IFSC Search APILook up any Indian bank branch by IFSC code and get the bank name, branch, address, city and supported payment rails in one call.
- Mobile to Bank APIFind the bank accounts linked to an Indian mobile number, so customers can confirm an existing account instead of typing one in.
- Penny Drop Initialize APIStart an asynchronous penny-drop verification and receive a reference ID you can poll, built for bulk and queue-based account checks.
- Penny Drop Verify APIFetch the outcome of an asynchronous penny drop using its reference ID and get the verification result with the account holder name.
- VPA to Account Details APIResolve a UPI VPA to its underlying bank account and holder name, verifying a payment address before you settle money to it.
Finance
3 APIs- CKYC Download via OTP APIDownload a customer's complete Central KYC record after OTP consent, including verified identity and address data, to onboard without re-collecting documents.
- CKYC Generate OTP APISend an OTP to the customer's CKYC-registered mobile number to authorise download of their Central KYC record, the first step of a consented CKYC fetch.
- CKYC Search APISearch the Central KYC registry with an identity document and retrieve the customer's existing CKYC record, so returning customers skip repeat KYC.
Identity
26 APIs- Aadhaar Validation APIVerify an Indian Aadhaar number instantly and confirm it is valid and in use, with essential identity insights for faster, safer customer onboarding.
- Aadhaar XML Verification APIVerify an offline Aadhaar eKYC XML by validating UIDAI's digital signature and extracting identity, address and photograph.
- Blank Paper Validation APIDetect whether an uploaded image is blank paper rather than a real document, catching failed captures before processing.
- DIN to PAN APIFind the PAN associated with a Director Identification Number, linking a director's corporate roles to their tax identity for KYB and due diligence.
- DL Advanced APIExtract complete driving licence data, including personal details, vehicle entitlements, validity and endorsements, for driver onboarding and KYC.
- DL Basic APIFetch driving licence status, holder name, vehicle classes and transport validity in one lightweight call, ideal for quick driver and customer checks.
- DigiLocker Download Docs APIFetch verified documents from a customer's DigiLocker with their consent, for secure retrieval, verification and seamless KYC and onboarding integration.
- Driving License APIVerify an Indian driving licence using the licence number and date of birth, returning authenticated holder details for KYC and driver onboarding.
- E-Aadhaar Verify APIExtract and verify Aadhaar details from an uploaded e-Aadhaar document, combining extraction with validation in one step.
- Esign Download Document APIDownload completed Aadhaar eSign documents in Base64 format by document ID once every signature is collected, ready to store with the application.
- Esign Status Check APICheck the live status of an Aadhaar eSign request and retrieve document and recipient signing details, so you know exactly who has signed and who hasn't.
- Get Company Details APIGet a company's full MCA profile including charges, compliance status and director details from its Corporate Identity Number.
- Get PAN Essentials APIRetrieve a PAN holder's essential details, including name, date of birth and gender, to match a customer's identity against their PAN in seconds.
- Initiate Esign Flow APIStart an Aadhaar-based eSign flow by submitting documents and recipient details, so customers sign loan agreements and forms electronically.
- Mobile to PAN APIFind the PAN linked to a mobile number and name, validated against trusted telecom and financial sources, so customers don't have to type their PAN.
- PAN Aadhaar Link Lookup APIFetch a PAN's Aadhaar linkage status together with the masked Aadhaar number linked to it, confirming the PAN is operative for KYC and tax purposes.
- PAN Advanced V2 APICheck a PAN and confirm its validity, holder details and Aadhaar linkage status in a single advanced verification call built for full KYC journeys.
- PAN Comprehensive APIRetrieve extensive PAN card data for an individual, covering identity details, status and linked information in one call.
- PAN Lite APIGet the registered name for a valid PAN in a lightweight check, built for name matching during onboarding and bulk PAN validation at scale.
- PAN to DIN APIFind the Director Identification Numbers associated with a PAN, revealing an individual's company directorships for KYB and due diligence checks.
- Pan Aadhaar Link Status APICheck whether a PAN is linked to an Aadhaar number and get the current linkage status directly, since an unlinked PAN becomes inoperative for tax.
- Pan Aadhaar Link Verify APIVerify PAN-Aadhaar linkage against a specific Aadhaar number, confirming the PAN and Aadhaar pair a customer declared actually belong together.
- Pan Comprehensive with Aadhaar Check APIRetrieve full PAN data and validate the linked Aadhaar number in a single call, covering identity and PAN-Aadhaar linkage together for complete KYC.
- Pan Udyam Check APICheck whether a PAN is registered under the Udyam MSME system, confirming small business status from a PAN alone for MSME lending and schemes.
- Passport Verification V2 APIValidate Indian passport data using file number based verification against issuing authority records, for KYC, travel and employee onboarding.
- Voter Id Verification APIVerify an Indian voter ID by EPIC number and access the essential details recorded on the card against electoral records, for KYC and address proof.
Merchant
4 APIs- Company Name to CIN APIFind a company's Corporate Identity Number and registration status by searching its name in the MCA registry, without asking the business for its CIN.
- GSTIN By Pan APIRetrieve every GSTIN linked to a PAN, with the state and current status of each registration, to see a business's full GST footprint in one call.
- PAN to Udyam Details APIFetch Udyam registration and enterprise details for a business using only its PAN, without needing the Udyam number, for MSME lending and onboarding.
- Udyog Aadhaar Verification APIVerify a legacy Udyog Aadhaar registration using its UAM number and retrieve the registered enterprise details, for older MSME registrations.
Vision
19 APIs- Aadhaar Masking APIMask the first eight digits of an Aadhaar number in a document image, returning a redacted copy that is compliant to store.
- Bank Passbook OCR APIPull the account number, IFSC, branch and account holder name out of a bank passbook image as structured data, ready to verify without manual entry.
- Bank Statement OCR APIConvert a bank statement into structured data with transactions, balances and account details extracted across every page.
- Certificate Of Incorporation APIExtract the company name, CIN, incorporation date and registered office from a Certificate of Incorporation image for faster business onboarding (KYB).
- Cheque OCR APIExtract account number, IFSC, MICR code, bank name and account holder details from a cheque image for account verification.
- Face Match APICompare two facial images and get a similarity score, confirming the person presenting a document is the person pictured on it.
- GST OCR APIExtract the GSTIN, legal and trade name, address and registration details from a GST registration certificate image, ready to verify without typing.
- Invoice OCR APIExtract vendor, buyer, tax and line-item details from invoice documents, aggregated across every page into structured data.
- KYC Document Classifier APIAutomatically identify whether an uploaded document is an Aadhaar, PAN, passport, voter ID or driving licence before extraction.
- Mobile Invoice OCR APIRead invoice details, customer and retailer information, tax amounts and asset details from mobile device purchase invoices.
- OCR Aadhaar APIExtract the Aadhaar number, name, date of birth, gender and address from a photo of an Aadhaar card, ready for identity verification.
- OCR DL APIExtract licence number, holder name, date of birth, validity and vehicle classes from a driving licence image automatically.
- OCR PAN APIRead PAN number, name, father's name and date of birth from a PAN card image and return them as structured, verifiable data.
- OCR Passport APIExtract passport number, name, date of birth, nationality and expiry from a passport image, including the machine-readable zone.
- OCR RC APIExtract the registration number, owner name, vehicle identifiers, fuel type and validity dates from a vehicle RC image, ready to verify without typing.
- OCR Voter Id APIRead the EPIC number, name, relation name, date of birth, gender and address from a voter ID card image as structured data, without manual entry.
- Salary Slip OCR APIExtract salary components, employer details, banking information and employment data from payslip documents automatically.
- Super OCR APIClassify and extract any supported Indian KYC document in one call, covering Aadhaar, PAN, licence, passport, voter ID and utility bills.
- Udyam OCR APIExtract the Udyam registration number, enterprise name, classification and address from an MSME Udyam certificate image, ready to verify instantly.
Use cases
What Banking teams verify
Banking4 use cases
- 01
Run CKYC search and download during account opening
- 02
Validate account and IFSC details before setting up payouts
- 03
Match a live selfie against the ID document on file
- 04
Extract data from passbooks, cheques and statements with OCR
Building for Banking?
We will walk you through the APIs on this page and which of them your journey actually needs.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale