--- type: "solution pack" title: "Lending KYC Pack — Digital Lending API Bundle" description: "RBI-compliant API stack for digital lenders in India. PAN, bank, DigiLocker, instant disbursal, BBPS collection. Sandbox in minutes. Trusted by 200+ lenders." slug: "lending-kyc-pack" category: "lending-credit" canonical: "https://eps.eko.in/solutions/lending-kyc-pack" --- > **Canonical URL:** https://eps.eko.in/solutions/lending-kyc-pack > 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. # Lending KYC Pack Everything a digital lender needs to onboard, verify, and disburse — in one bundle. _Onboard borrowers in under 90 seconds_ To get started, fill the form at https://eps.eko.in/signup (with your name, mobile number and email) or call us at +919513181707 ## APIs in this pack - [PAN Verification (Advanced)](https://eps.eko.in/products/pan-verification-api) ([markdown](https://eps.eko.in/products/pan-verification-api.md)) - [Bank Account Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api) ([markdown](https://eps.eko.in/products/bank-verification-api.md)) - [DigiLocker Integration](https://eps.eko.in/products/digilocker-api) ([markdown](https://eps.eko.in/products/digilocker-api.md)) - [GST Verification](https://eps.eko.in/products/gst-verification-api) ([markdown](https://eps.eko.in/products/gst-verification-api.md)) - [Name Match](https://eps.eko.in/products/name-match-api) ([markdown](https://eps.eko.in/products/name-match-api.md)) - [ITR Compliance Check](https://eps.eko.in/products/itr-compliance-api) ([markdown](https://eps.eko.in/products/itr-compliance-api.md)) - [DIN Verification](https://eps.eko.in/products/din-verification-api) ([markdown](https://eps.eko.in/products/din-verification-api.md)) ## Trust Signals - RBI compliant - Reliable, high-volume workflows ## What This Pack Does Onboard a digital loan applicant in under 90 seconds with verified identity, income, and a payout-ready bank account. ## Included APIs ### [PAN Verification (Advanced)](https://eps.eko.in/products/pan-verification-api) **What it does:** Fetch full borrower identity including name, DOB, and PAN status in <2 seconds. **Why it matters:** The first verification in every lending journey — confirms identity and links to income data. ### [Bank Account Verification (Penny Drop)](https://eps.eko.in/products/bank-verification-api) **What it does:** Confirm the borrower's bank account is active and the name matches. **Why it matters:** RBI Digital Lending Directions require verified bank accounts before disbursal. Penny drop is the industry standard. ### [DigiLocker Integration](https://eps.eko.in/products/digilocker-api) **What it does:** Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration. **Why it matters:** Eliminates document upload friction — borrower consents once and all docs are fetched automatically. ### [GST Verification](https://eps.eko.in/products/gst-verification-api) **What it does:** Validate GSTIN and pull filing patterns as a cash-flow proxy. **Why it matters:** For MSME borrowers with no credit score, GST filing history is the most reliable income signal. ### [Name Match](https://eps.eko.in/products/name-match-api) **What it does:** Fuzzy name matching across PAN, Aadhaar, bank, and GST records. **Why it matters:** Catches synthetic identity fraud by detecting name discrepancies across documents — replaces custom ML models. ### [ITR Compliance Check](https://eps.eko.in/products/itr-compliance-api) **What it does:** Check the borrower's income-tax return filing status and compliance via PAN. **Why it matters:** A fast income signal for thin-file borrowers — confirms returns are filed before pulling full ITR documents. ### [DIN Verification](https://eps.eko.in/products/din-verification-api) **What it does:** Verify each director's DIN against the MCA register for incorporated borrowers. **Why it matters:** Confirms the directors behind a company loan are real and active — catches shell-entity fraud that PAN alone misses. ## How It Works 1. Mobile OTP — authenticate borrower 2. PAN Advanced — fetch identity & status 3. DigiLocker — pull Aadhaar & ITR paperlessly 4. Bank Account Verification — penny-drop confirmation 5. GST Verification — income & cash-flow assessment ## Industries Using This Pack - [Lending & NBFC](https://eps.eko.in/industries/lending-nbfc) ([markdown](https://eps.eko.in/industries/lending-nbfc.md)) - [Microfinance](https://eps.eko.in/industries/microfinance) ([markdown](https://eps.eko.in/industries/microfinance.md)) - [SaaS Platforms](https://eps.eko.in/industries/saas-platforms) ([markdown](https://eps.eko.in/industries/saas-platforms.md)) - [Marketplaces](https://eps.eko.in/industries/marketplaces) ([markdown](https://eps.eko.in/industries/marketplaces.md)) ## FAQs ### 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. ## Related Solutions - [MSME Credit Assessment Pack](https://eps.eko.in/solutions/msme-credit-assessment-pack) — Assess MSME creditworthiness via GST + ITR patterns ([markdown](https://eps.eko.in/solutions/msme-credit-assessment-pack.md)) - [Merchant Onboarding Pack](https://eps.eko.in/solutions/merchant-onboarding-pack) — KYB + payment setup for merchants & sellers ([markdown](https://eps.eko.in/solutions/merchant-onboarding-pack.md)) - [MFI Field Operations Pack](https://eps.eko.in/solutions/mfi-field-operations-pack) — Field collection & disbursal for microfinance ([markdown](https://eps.eko.in/solutions/mfi-field-operations-pack.md)) - [Site index](https://eps.eko.in/index.md): Full list of API products, industries, and solution packs