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Existing to Bank Loan Journey

contains 11 APIs

Retail Assets Loan API product offers Retail Asset Loan sourcing to the Existing-To-Bank (ETB) customers from the Fintech's digital platforms.
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Feature description
This API allows sourcing of ETB Loan applications for Personal Loan, Business Loan, Auto Loan and Two-Wheeler Loan from partners’ platforms.
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Feature description
Customer demographics and offers details are then shared with the partner post authentication via API.
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Feature description
All the loan applications are directly submitted to the bank’s LOS application.
APIs

11 APIs used

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Fintech_AddReference_REST

API display name : Fintech Add reference API
Description : API adds reference numbers to the document Ids
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Fintech_ApplyForLoan_NTB_REST

API display name : Fintech Apply For Loan For New Customers API
Description : This API enables external partners of HDFC Bank to apply for a loan for New to Bank customers
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Fintech_OTPVal_Offers_V2

API display name : Fintech Generic Demog Detail
Description : API to identify if the customer is ETB and has a pre-existing offer
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Fintech_OfferAvailability_V2

API display name : Fintech Generic OfferAvailability API
Description : API to identify if the customer is ETB and has a pre-existing offer
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Fintech_TrackYourLoan_REST

API display name : Fintech Track Your Loan API
Description : API to track the status of the Loan application
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Fintech_ValidatePartner_REST

API display name : Fintech Validate Partner API
Description : API to validate the partner from which the request is coming
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OTP_Generation_Service_REST

API display name : OTP Generation API REST
Description : API to initiate the OTP to the registered mobile number of the customer
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This API product journey is for those customers who are existing bank customers and want to apply for a Retail Asset Loan. Once the customer commences the journey on the portal, he/she will be taken through the following journey-

  1. The existing bank customer is checked based on the mobile number and PAN, DOB details that they fill in.
  2. Customers can view the retail asset loan offer and can click the offer on the partner’s portal.
  3. An OTP will be generated for the offers that are reflected.
  4. Once the customer enters the OTP and it is validated, they will then be able to view the partner offers available for their account.
  5. The customer can apply for the retail asset loan of their choice with the help of the Apply for Loan API.
  6. On the next stage, the loan applicant now must add the required banking details to their application to proceed. 
  7. Next, the applicant must upload all the necessary documents on the portal and share relevant details that are pertaining to the loan product they have chosen.
  8. At this stage, customer can upload their documents for the process, wherein the Complete Document Upload API is called.
  9. Post applying for a loan, customers can also track their application and get a clearer idea about disbursement, on the partners portal.

Some of the most known applications of this API are with DSAs, Aggregators and OEMs to name a few.