---
type: "product"
title: "ITR Compliance API India | Income Tax Filing Status Check"
description: "Check income tax return filing and compliance status using PAN number. Verify ITR compliance for lending, credit assessment, and due diligence workflows."
category: "verification"
canonical: "https://eps.eko.in/products/itr-compliance-api"
---


> **Canonical URL:** https://eps.eko.in/products/itr-compliance-api
> 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.

# ITR Compliance API for Lending & Credit Assessment

Verify income tax return filing and compliance status using PAN — assess borrower and business creditworthiness with real-time ITR data for lending and due diligence workflows.

_Check income tax return filing and compliance status_

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

## Overview

The ITR Compliance Check API enables businesses to verify income tax return filing status using a PAN number. Use it for credit assessment, lending due diligence, and compliance verification.

## Features

- ITR Filing Status: Check whether a PAN holder has filed income tax returns and their compliance standing.
- PAN-Based Lookup: Simple PAN number input — no additional documents or consent flows required.
- Credit Assessment Signal: Use ITR filing patterns as a proxy for income verification and creditworthiness.
- Automation Friendly: Integrate into lending pipelines, onboarding flows, and compliance checks seamlessly.

## Who Should Use This

- Lending and NBFC platforms
- Accounting and tax firms
- Real estate and property platforms
- Enterprises performing financial due diligence

## Use Cases

- Borrower credit assessment
- MSME income verification
- Vendor and supplier due diligence
- Tax compliance verification for onboarding

## What Can You Verify With ITR Compliance Check API?

- **PAN Number** — The PAN number that was queried, echoed back from the source for confirmation.
- **ITR Filed Flag** — Indicates whether the PAN holder has filed an income tax return for the queried assessment year. true = filed; false = not filed.
- **Assessment Year** — The income-tax assessment year for which the ITR status is reported (e.g. '2024-25' corresponds to FY 2023-24).
- **Compliance Status** — Overall tax compliance standing of the PAN holder as returned by the authority (e.g. Compliant, Non-Compliant, Pending).
- **Filing Status** — Granular ITR filing status string as returned by the source — may carry values such as 'Filed', 'Not Filed', 'Under Processing', or 'Defective'.

## API Preview — ITR Compliance Check

`POST /tools/kyc/itr-compliance`

### Example inputs

| Field | Value |
| --- | --- |
| Pan Number | ABCDE1234F |

### Example outputs

| Field | Value |
| --- | --- |
| PAN Number | ABCDE1234F |
| ITR Filed Flag | true |
| Assessment Year | 2024-25 |
| Compliance Status | Compliant |
| Filing Status | Filed |

## Integration Steps

1. **[Sign Up](/console)** — Sign up in minutes 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 verification APIs live — evaluate before you integrate.
4. **[Integrate with AI](/ai)** — Ready to build? Visit our AI hub for free plugins & tools to integrate faster.
5. **Go Live** — Start checking ITR compliance in production.

## FAQs

### What input is required?
Only the PAN number is required to check ITR compliance status.

### What details are returned?
The API returns ITR filing status, assessment year, and compliance status for the given PAN number.

### Can I use this for lending decisions?
Yes. ITR compliance status is a strong signal for borrower creditworthiness, especially for MSMEs without traditional credit bureau scores.

### How fast is the check?
The API returns results in real time with sub-second response times.

### How do I get started?
Four steps: **sign up** at the [developer console page](/console), verify your identity with PAN and address details, load your wallet to test the APIs live, then integrate and go live. Sandbox credentials are issued immediately — you can call your first endpoint before any paperwork clears.

### What is EPS?
**EPS (Eko Platform Services)** is the technology arm of Eko — the developer tools, AI tooling and APIs that power modern fintech integration, from money transfer and AePS to identity verification.

### What are the different ways to integrate with Eko EPS?
Three paths, pick whichever suits your stack:

- Call the **REST APIs** directly.
- Use our official **Node.js, Python, PHP, Go or Java SDKs** to skip request-signing boilerplate.
- Let an **AI coding agent** build it via our [MCP server and agent skills](/ai#install).

For multi-step flows (onboard a sender, *then* transfer) start from a [transaction-flow recipe](/recipe) rather than wiring single endpoints together yourself.

### How does API authentication work?
Each request carries your static `developer_key` header plus a per-request `secret-key` header — an **HMAC-SHA256** signature of the current timestamp, keyed by your access key. The access key itself is **never sent over the wire**. You receive UAT keys on signup and production keys after KYC.

The [How Authentication Works](/docs/how-auth-works) guide has the full signing recipe in five languages plus an **in-browser playground** that generates and verifies a real `secret-key` against your own access key.

### Why does my API call return 401 Unauthorized?
Authentication failed. For the known causes, the response body's `status` names the check that failed:

- `2483` — The developer_key is wrong.
- `2484` — The secret-key (signature) is wrong.
- `2485` — The secret-key-timestamp is more than 2 minutes older or newer than the server clock, or was reused from an earlier request.
- `2486` — The secret-key-timestamp is not in milliseconds (13 digits) — often seconds (10 digits).
- `2487` — The secret-key or secret-key-timestamp header is missing.

If your signature checks out in the [secret-key playground](/docs/how-auth-works#try-it-secret-key-playground) and you still get a `401`, make sure the base URL matches your keys (UAT vs production) and, in production, that your server's IP is whitelisted.

### Is there a sandbox environment for testing?
Yes. A full **sandbox** is available immediately on signup — test your integration end-to-end before going live, no commitment required. For offline work you can also run our [mock server](/ai#artifacts) (`npx -y @ekoindia/eps-mock-server`) and get canned responses with no network calls at all.

### What are the sandbox and production base URLs?
Sandbox and production share the same paths and differ **only** by base URL:

- UAT / Sandbox — `https://staging.eko.in/ekoapi/v3`
- Production — `https://api.eko.in/ekoicici/v3`

A common cause of failures is calling the sandbox URL with live credentials, or vice-versa — **make sure the base URL matches the keys you are using**.

### Do I need to whitelist my server IP?
It's optional. **IP whitelisting** is available for **production** access as an extra layer of security — share your **static public (server) IP** with us and we'll whitelist it.

### Can an AI coding agent build the integration for me?
Yes — that is the fastest path. Point your agent (Claude Code, Codex, Cursor, Copilot, …) at our **MCP server** and it can look up any endpoint, generate correctly-signed requests, and scaffold the integration in your own stack. Install it in [one step from the AI hub](/ai#install), or start from a [ready-made prompt](/ai#quick-start).

We also publish an **OpenAPI 3.1 spec**, a **Postman collection** and per-agent **context packs** (`AGENTS.md`, `CLAUDE.md`, `.cursorrules`) so an agent has the ground truth instead of guessing.

### What response times can I expect?
Most verification APIs return in **real time with sub-second responses**, and 99th-percentile latency stays under two seconds across verification endpoints. Transaction APIs (DMT, AePS, BBPS) respond within seconds.

### Can the API handle high volumes?
Yes. The API is designed to handle **large-scale volumes** reliably without performance degradation.

### How is API usage billed?
Usage is billed **per successful API call** with no minimum commitment. Volume-based pricing tiers are available — see the [pricing calculator](/pricing) for indicative rates, or contact our team for a custom quote.

## API Endpoints

- [ITR Compliance Check](https://eps.eko.in/docs/itr-compliance.md) (POST)

## API Documentation

- [Full developer docs](https://eps.eko.in/docs/itr-compliance)

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