Lending KYC API Pack
Everything a digital lender needs to onboard, verify, and disburse — in one bundle.
What You Can Achieve
"Onboard a digital loan applicant in under 90 seconds with verified identity, income, and a payout-ready bank account."
What You Get
Every API in this pack, what it does, and why it's included.
PAN Verification (Advanced) API
See API docs →What it does: Fetch full borrower identity including name, DOB, and PAN status in <2 seconds.
Why it's in this pack: The first verification in every lending journey — confirms identity and links to income data.
Bank Account Verification (Penny Drop) API
See API docs →What it does: Confirm the borrower's bank account is active and the name matches.
Why it's in this pack: RBI Digital Lending Directions require verified bank accounts before disbursal. Penny drop is the industry standard.
DigiLocker Integration API
See API docs →What it does: Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration.
Why it's in this pack: Eliminates document upload friction — borrower consents once and all docs are fetched automatically.
GST Verification API
See API docs →What it does: Validate GSTIN and pull filing patterns as a cash-flow proxy.
Why it's in this pack: For MSME borrowers with no credit score, GST filing history is the most reliable income signal.
Name Match API
See API docs →What it does: Fuzzy name matching across PAN, Aadhaar, bank, and GST records.
Why it's in this pack: Catches synthetic identity fraud by detecting name discrepancies across documents — replaces custom ML models.
ITR Compliance Check API
See API docs →What it does: Check the borrower's income-tax return filing status and compliance via PAN.
Why it's in this pack: A fast income signal for thin-file borrowers — confirms returns are filed before pulling full ITR documents.
DIN Verification API
See API docs →What it does: Verify each director's DIN against the MCA register for incorporated borrowers.
Why it's in this pack: Confirms the directors behind a company loan are real and active — catches shell-entity fraud that PAN alone misses.
How it works
Mobile OTP — authenticate borrower
PAN Advanced — fetch identity & status
DigiLocker — pull Aadhaar & ITR paperlessly
Bank Account Verification — penny-drop confirmation
GST Verification — income & cash-flow assessment
Frequently Asked Questions
How does Eko's name matching handle regional name variations?+
Our name-match engine uses fuzzy matching with regional transliteration support, handling variations across Hindi, Tamil, Telugu, Kannada, and Bengali name structures.
What's the typical sandbox-to-production timeline for an NBFC?+
Most NBFCs complete sandbox testing in 1–3 days and go live in 5–7 business days after NBFC-specific KYC documentation is submitted.
Do you support co-lending portfolio reconciliation?+
Yes. Our bulk verification APIs support portfolio-level reconciliation, with the Co-lending Compliance Pack providing additional batch tools for NBFC-bank co-lending workflows.
Is there a minimum monthly transaction commitment?+
No minimum commitment for the sandbox. Production accounts have no mandatory minimum, though volume pricing tiers start at 1,000 monthly API calls.