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New to Bank Loan Journey

contains 10 APIs

Retail Assets Loan API product offers Retail Asset loan sourcing to the New-To-Bank (NTB) customers from the Fintech's digital platforms.
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Feature description
This API allows sourcing of Open Market and NTB Loan applications for Personal Loan, Business Loan, Auto Loan and Two-Wheeler Loan from partners’ platforms.
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Feature description
All the loan applications are directly submitted to the bank’s LOS application.
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Feature description
Real Time tracking of Loan Status.
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Feature description
Document Upload facility for end customers to upload directly via partner portal.
APIs

10 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_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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Fintech_OfferAvailability_REST

API display name : Fintech Offer availability  API
Description : API to check the offer available for the Consumer Durable Loan
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Fintech_Add_Co_Applicant_REST

API display name : Fintech Add Co Applicant
Description : API to add the details of a co-applicant while applying for loan
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This API product journey stack consists of 6 APIs is for those customers who are new to the bank and want to apply for a Retail Asset Loan. Once the customer commences the journey on the Partner’s ecosystem i.e., web portal, mobile application, he/she will be taken through the following journey

  1. Once the customer opts for this type of loan, the partner gets validated with the help of the Validate Partner API, where HDFC API backend checks for the partners authenticity.
  2. The customer is new to the bank and first goes through a validation process before being able to browse around for banking products and services.
     
  3. On the next stage, the loan applicant now must add demographic details and fill other relevant fields their application in order to authenticate the requirement. 
  4. Next, the applicant must upload all the necessary documents on the portal for verification
  5. At this stage, customer can upload their documents for the process, wherein the Complete Document Upload API is called.
  6. Post applying for a loan, customers can also track their application and get a clearer idea about disbursement through the partner portal.

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