Verification APIs for Lending & NBFC
Verification APIs for digital lending - identity, income, banking, employment and credit checks for loan origination and underwriting.
Lending & NBFC profileIND / LENDING
- Banking
- 8 APIs
- Employment
- 8 APIs
- Finance
- 19 APIs
- Identity
- 30 APIs
- Merchant
- 4 APIs
- Utility
- 2 APIs
- 1 category more
- 9 APIs
APIs on this page, by what they verify.
80 APIsLending is the most verification-heavy journey in Indian financial services. Before disbursal you need to know the borrower is who they claim to be, that the bank account is theirs, that the income is real and that the credit history supports the amount.
These APIs cover that sequence end to end - identity and address from PAN and Aadhaar, account ownership by penny drop, income from bank statements, salary slips and ITR filings, and repayment behaviour from CIBIL, CRIF and Experian.
The APIs, by what they verify
80 APIs across 7 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.
Employment
8 APIs- Current Employment Details APIConfirm where someone works right now, including employer name, role, employment type and length of service, from provident fund records.
- EPFO Advanced Details APIFetch detailed EPF passbook data by UAN without an OTP, including employer contribution history, service records and personal details.
- EPFO Basic Search APILook up an EPFO establishment by its ID and get organisation details plus a month-by-month summary of provident fund contributions.
- EPFO Generate OTP APISend an OTP to the employee's EPFO-registered mobile number to begin a consented provident fund verification of their employment and UAN details.
- EPFO Name Search APICheck whether a named individual is employed at a specific company using EPFO provident fund filings, without needing their UAN.
- EPFO Submit OTP APIValidate the EPFO one-time password and complete authentication, unlocking access to the employee's provident fund records.
- Employment History APIRetrieve an individual's full employment history from their UAN, with every employer, joining date and exit date on provident fund record.
- Mobile to UAN APIFind the Universal Account Numbers linked to an Indian mobile number, so an employment check can start from a phone number alone.
Finance
19 APIs- Bank Statement Analyzer APIAnalyse bank statements to extract financial insights, transaction patterns, balance trends and risk indicators automatically.
- 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.
- Credit Report CIBIL APIFetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.
- Credit Report Crif APIRetrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.
- Credit Report Experian APIGet a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
- Credit Report Experian V2 APIThe current Experian credit report endpoint for lenders, returning credit score, account history, enquiries and derived attributes for loan underwriting.
- ITR Compliance APICheck PAN-based tax compliance including Aadhaar linkage, PAN status and Section 206AB classification for TDS decisions.
- ITR Download APIRetrieve a taxpayer's income tax return information, including filing history, status and secure document links, to verify income for lending.
- ITR Download Form 26as APIFetch Form 26AS tax credit statements across assessment years with secure download links for each TDS record, to verify a borrower's declared income.
- ITR File Download V APIRetrieve a taxpayer's filing history with downloadable ITR-V acknowledgement documents for each assessment year, as proof of income tax filing.
- ITR get AIS APIRetrieve Annual Information Statement documents with year-wise PDF links, showing the financial transactions reported against a taxpayer's PAN.
- ITR get Profile Details APIFetch a taxpayer's profile from the income tax portal, including PAN details, contact information, address and jurisdiction.
- ITR get TIS APIRetrieve Taxpayer Information Summary documents with year-wise PDF links, summarising a taxpayer's reported income by category for income checks.
- Mobile to GST APIFind GST identification numbers linked to a mobile number, validated across government and financial registration databases.
- SEBI Debarr Verify APIFetch SEBI and NSE regulatory records for a PAN, checking whether an individual is debarred from securities markets before onboarding or investing.
- Search ISIN Record APIValidate an ISIN and retrieve the security's current status and details, for securities, demat and investment workflows that depend on the right instrument.
- Tan Validation Basic APIValidate a TAN and retrieve the associated taxpayer details, confirming an entity is authorised to deduct tax at source.
Identity
30 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.
- 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.
- Farmer Verification APIVerify a farmer's identity and registration status using their Aadhaar number and state code, for agri lending, subsidies and rural onboarding.
- Get 1A data APIRetrieve GSTR-1A B2B invoice details for a GSTIN and return period, giving your GST reconciliation workflow the amendments a supplier has filed.
- Get 2A Data APIRetrieve GSTR-2A B2B invoice details by GSTIN and return period to reconcile input tax credit against what your suppliers have actually filed.
- Get 2B Data APIRetrieve GSTR-2B ITC and reversal document details by GSTIN and return period, for accurate input tax credit computation and GST reconciliation.
- Get 3B Data APIRetrieve GSTR-3B summary return details for a GSTIN and return period, showing declared tax liability and credit for compliance and credit checks.
- 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.
Utility
2 APIs- Electricity Bill Lookup APIVerify an electricity bill and customer ID across Indian distribution companies, confirming the connection and billing details.
- Face Liveness APIDetect whether a face is a real, live person rather than a photo, video or mask, blocking presentation attacks during onboarding.
Vision
9 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 Statement OCR APIConvert a bank statement into structured data with transactions, balances and account details extracted across every page.
- 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.
- 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 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 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.
Use cases
What Lending & NBFC teams verify
Lending & NBFC5 use cases
- 01
Confirm a borrower's identity from PAN and Aadhaar before origination
- 02
Verify account ownership by penny drop ahead of disbursal
- 03
Assess income from bank statements, salary slips and ITR filings
- 04
Pull credit history from CIBIL, CRIF or Experian
- 05
Check employment continuity through EPFO and UAN records
Building for Lending & NBFC?
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