---
type: "industry"
title: "Automotive APIs | Vehicle Verification, Insurance & Fleet"
description: "RC, vehicle verification, and DL APIs for India's automotive sector. VAHAN national database. Sub-2-second response. Motor insurance, auto finance, fleet compliance."
slug: "automotive"
category: "sector-specific"
canonical: "https://eps.eko.in/industries/automotive"
---


> **Canonical URL:** https://eps.eko.in/industries/automotive
> 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.

# Automotive APIs for vehicle verification, financing & insurance

Auto-fill insurance proposals, verify vehicle ownership for financing, and check fleet credentials in seconds — Eko's automotive APIs connect directly to the VAHAN and Sarathi national databases.

To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707

## Trust Signals

- VAHAN National Database
- Sub-2-Second Response
- Reliable, high-volume workflows

## The Challenge

India's automotive sector processes millions of insurance renewals, vehicle loan disbursals, and used-car transactions every year — all requiring accurate vehicle data that customers often misremember or misrepresent. Manual RC lookups and physical document verification add hours or days to what should be instant transactions.

Eko's Vehicle & RC Verification API taps directly into VAHAN 4.0 — returning verified make, model, engine, chassis, ownership, insurance status, blacklist, and permit details in under 2 seconds. This enables instant insurance quotes, fraud-proof loan origination, and automated fleet compliance at scale.

## Recommended Solution Packs

### Motor Insurance Pack _(featured)_
Auto-fill vehicle details, verify ownership, and check DL risk profile — instant motor insurance quotes without manual data entry.

**Includes:** Vehicle & RC Verification, DL Verification, PAN Verification

[View solution pack](https://eps.eko.in/solutions/motor-insurance-pack)

### Fleet Compliance Pack
Maintain vehicle RC, insurance, and DL compliance across vehicle fleets with daily automated checks.

**Includes:** Vehicle & RC Verification, DL Verification, Reverse Geocoding

[View solution pack](https://eps.eko.in/solutions/fleet-compliance-pack)

## Recommended APIs

| API | Description | Relevance | Link | Markdown Link |
| --- | --- | --- | --- | --- |
| Vehicle & RC Verification | Fetch make, model, fuel type, chassis, engine, owner, insurance, and blacklist status from VAHAN | High | [Details](https://eps.eko.in/products/vehicle-rc-verification-api) | [Markdown](https://eps.eko.in/products/vehicle-rc-verification-api.md) |
| DL Verification | Validate driver licence validity, vehicle categories, and suspension status | High | [Details](https://eps.eko.in/products/dl-verification-api) | [Markdown](https://eps.eko.in/products/dl-verification-api.md) |
| PAN Verification | Policyholder and loan applicant identity verification | High | [Details](https://eps.eko.in/products/pan-verification-api) | [Markdown](https://eps.eko.in/products/pan-verification-api.md) |
| Bank Account Verification | Validate EMI payout and claims settlement accounts | Medium | [Details](https://eps.eko.in/products/bank-verification-api) | [Markdown](https://eps.eko.in/products/bank-verification-api.md) |
| E-Challan Verification | Check pending traffic challans for used vehicle pre-purchase checks and fleet compliance | High | [Details](https://eps.eko.in/products/e-challan-verification-api) | [Markdown](https://eps.eko.in/products/e-challan-verification-api.md) |
| Name Match | Match proposer name across PAN, RC ownership, and claims account | Medium | [Details](https://eps.eko.in/products/name-match-api) | [Markdown](https://eps.eko.in/products/name-match-api.md) |

## Use Case Scenarios

### Instant motor insurance renewal
**Situation:** An insurer wants to let customers renew two-wheeler insurance in under 60 seconds via a mobile app.

**Integration:** Customer enters registration number → Vehicle & RC Verification auto-fills make/model/year, confirms previous policy and NCB → instant premium calculated → policy issued.

**Outcome:** Renewal flow time cut from 8 minutes to 45 seconds. Renewal conversion rate doubled.

### Used-car loan origination without RC fraud
**Situation:** An auto-finance NBFC processes 5,000 used-car loan applications per month and sees 3% fraud from misrepresented vehicles.

**Integration:** Vehicle & RC Verification API confirms chassis, engine, and hypothecation status on application submission — before any field visit.

**Outcome:** Vehicle fraud rate reduced to near zero. Field visit requirement eliminated for 80% of applications.

### Dealership service contract verification
**Situation:** An auto dealership network verifies vehicle ownership before each service appointment to prevent unauthorised servicing.

**Integration:** Vehicle & RC Verification confirms current registered owner matches the customer. DL Verification checks driver's licence for liability purposes.

**Outcome:** Unauthorised service claims eliminated. Duplicate warranty fraud reduced 90%.

## Why Eko

### Direct VAHAN 4.0 integration
99%+ coverage of India's 300+ million registered vehicles across all 36 state RTOs.

### Auto-fill everything
One registration lookup fills make, model, fuel, engine, chassis, owner, and insurance history.

### Stolen & hypothecated check
Vehicle & RC Verification returns blacklist and hypothecation status — critical for used-car lending.

## Integration Steps

1. **Sign Up** — Sign up in minutes at Developer Console page with your mobile number (OTP verify).
2. **Verify Identity** — Complete your basic KYC with PAN and address details to verify your identity.
3. **Test APIs Live** — Load funds into your wallet and test the APIs live before integrating.
4. **Integrate** — Send your developers to eps.eko.in/ai for free AI plugins & tools to integrate faster.
5. **Go Live** — Get production credentials and start processing real transactions.

## Compliance

### IRDAI KYC norms
PAN and Aadhaar verification meet IRDAI policyholder identity requirements for all motor policy types.

### Motor Vehicles Act 2019
RC and DL data sourced from authoritative VAHAN/Sarathi databases — same data used by traffic enforcement.

## FAQs

### What data does the Vehicle & RC Verification API return?
Make, model, fuel type, engine number, chassis number, registration date, owner name, hypothecation status, financing institution, insurance details, blacklist status, and permit info — 50+ fields in a single call.

### Does the API check for stolen vehicles?
Yes. Vehicle & RC Verification returns VAHAN's blacklist status — stolen vehicles registered in the system are flagged in the API response.

### Can I check vehicles registered in any state?
Yes. VAHAN is a national database — vehicle RC data for any registration number, regardless of originating state, is accessible via a single API call.

### How current is the insurance data?
Insurance data in VAHAN is typically updated within 24–72 hours of a policy being issued or renewed.

## Related Industries

- [Insurance](https://eps.eko.in/industries/insurance) ([markdown](https://eps.eko.in/industries/insurance.md))
- [Logistics & Fleet](https://eps.eko.in/industries/logistics-fleet) ([markdown](https://eps.eko.in/industries/logistics-fleet.md))
- [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md))

- [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs