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Business Loan/ Personal Loan Journey v2

contains 20 APIs

This API product is to facilitate the Consumer application to source Loan Application along with eKyc, vKyc & Perfios Income Upload features.
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Feature description
"The API product journey can be used for onboarding customers interested in taking Business Loan/Personal Loan. Using the API stack, partner can pick any of the below journey:
1. The STP loan journey will facilitate instantaneous disbursement of the loan amount to customers bank account.
2. The Non-STP loan journey will facilitate the lead generation for the customer journey.
3. The Non-STP (without BRE) loan journey will facilitate the lead generation for the customer journey.
4. The 10-second loan journey will facilitate instantaneous disbursement of the loan amount to customers bank account who has a valid 10 second loan offer."
    APIs

    20 APIs used

    API's Severity Documentation Try It Now

    sw-otpGen-v2

    API display name : OTP Gen and Customer Identification
    Description : This request is used to generate OTP and identify the customer whether it is NTB or ETB alongwith Offer Availability flag.

    sw-consentReceipts-v2

    API display name : StoreConsent API
    Description : This API will store customer consent details i.e., eKYC UIDAI T&C, etc. taken during the journey in Consent Repository System.

    sw-otpValAndDemog-v2

    API display name : OTP Val and Demog
    Description : This request is used to validate the OTP and share the customer Demographic and Offer details for ETB customer.

    sw-panInquiry-v2

    API display name : PAN Status Check
    Description : This API will be used to get PAN status and OperationMode passed in the request.

    sw-accSelection-v2

    API display name : Account submission for Statement Extraction & Analysis
    Description : The API facilitates for passing the selected Account Number by the ETB Customer alongwith Customer ID and Consent for Perfios (to share and perform Statement Analysis) & FIP in the Loan Journey to Backend system. The Account Number List will be referred from "Validate OTP & fetch Cust Demog" API.

    sw-fetchBureauOffer-v2

    API display name : Get Bureau based offer
    Description : The API facilitates to get bureau based offer details.

    sw-incomeUpload-v2

    API display name : Perfios Statement Analysis - Income Upload
    Description : The API facilitates to analyse/verify the income online based on the Bank Statement provided. This API will return the Perfios landing page / redirection URL.

    sw-getIncomeBasedOffer-v2

    API display name : Get Income Based Offer
    Description : The API facilitates to return offer based on Income. Partner to call this API when Income document upload at Perfios end is completed.

    sw-initiateEkyc-v2

    API display name : Initiate eKYC
    Description : This request is used for generating eKyc Link for Aadhaar OTP authentication.

    sw-fetchEkycStatus-v2

    API display name : Fetch eKYC Status
    Description : This request is used to get status of customer eKYC and Demographic details and photo. Partner to call this API once eKYC is completed.

    sw-emailOtpGen-v2

    API display name : Generate Email OTP
    Description : This request is used to generate OTP for Email ID authentication

    sw-emailOtpVal-v2

    API display name : Validate Email OTP
    Description : This request is used for validate OTP received on customer email ID

    sw-getICAIData-v2

    API display name : Get ICAI Data
    Description : The API facilitates to to fetch ICAI information for customer.

    sw-getMCIData-v2

    API display name : Get MCI Data
    Description : The API facilitates to authenticate Doctors Membership with multiple Medical Councils across India.

    sw-getElectricityData-v2

    API display name : Get Electricity bill
    Description : The API facilitates to provide electricity bill information for customer.

    sw-saveAddDtls-v2

    API display name : Save Additional Details
    Description : The API facilitates to save the additional details provided by user.The API facilitates to save the additional details provided by user.

    sw-getStp-decision-v2

    API display name : GetSTP and NonSTP Decision
    Description : The API facilitates to decide whether Journey will be STP or Non STP journey basis the BRE rules.

    sw-docUpload-v2

    API display name : Additional Documents Upload
    Description : The API facilitates for uploading additional documents required for Loan Processing.

    sw-applyForLoan-v2

    API display name : Apply For Loan
    Description : The API facilitates for submitting the Loan Application to Bank (LE Backend System) along with their Demographic and Loan details. The vKYC link will be shared in API Response based on the Customer Consent along with Application Reference Number.

    sw-loanStatusInq-v2

    API display name : Loan Status Inquiry
    Description : The API facilitates to check the current status for the Loan Application. Also, it will give you document list if any document needs to be reupload.

    The API product journey can be used for onboarding customers interested in taking Business Loan/Personal Loan. Using the API stack, partner can take any of the below journey:
    1. The STP loan journey will facilitate instantaneous disbursement of the loan amount to customers bank account.
    2.  The Non-STP loan journey will facilitate the lead generation for the customer journey.
    3. The Non-STP (without BRE) loan journey will facilitate the lead generation for the customer journey.
    4. The 10-second loan journey will facilitate instantaneous disbursement of the loan amount to customers bank account who has a valid 10 second loan offer.