Verification APIs for Lending & NBFC
Verification APIs for digital lending - identity, income, banking, employment and credit checks for loan origination and underwriting.
Lending is the most verification-heavy journey in Indian financial services. Before disbursal you need to know the borrower is who they claim to be, that the bank account is theirs, that the income is real and that the credit history supports the amount.
These APIs cover that sequence end to end - identity and address from PAN and Aadhaar, account ownership by penny drop, income from bank statements, salary slips and ITR filings, and repayment behaviour from CIBIL, CRIF and Experian.
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Banking
- Bank Verification Hybrid Verify any Indian bank account with automatic routing between penny-drop and penny-less checks, so you get the fastest valid result every time.
- Bank Verification Penny Drop Confirm an Indian bank account is live and correctly owned by depositing one rupee and reading back the account holder name from the bank.
- Bank Verification Pennyless Validate an Indian bank account and fetch the account holder name without transferring any money, using real-time banking network data.
- IFSC Search Look up any Indian bank branch by IFSC code and get the bank name, branch, address, city and supported payment rails in one call.
- Mobile to Bank Find the bank accounts linked to an Indian mobile number, so customers can confirm an existing account instead of typing one in.
- Penny Drop Initialize Start an asynchronous penny-drop verification and receive a reference ID you can poll, built for bulk and queue-based account checks.
- Penny Drop Verify Fetch the outcome of an asynchronous penny drop using its reference ID and get the verification result with the account holder name.
- VPA to Account Details Resolve a UPI VPA to its underlying bank account and holder name, verifying a payment address before you settle money to it.
Employment
- Current Employment Details Confirm where someone works right now, including employer name, role, employment type and length of service, from provident fund records.
- EPFO Advanced Details Fetch detailed EPF passbook data by UAN without an OTP, including employer contribution history, service records and personal details.
- EPFO Basic Search Look up an EPFO establishment by its ID and get organisation details plus a month-by-month summary of provident fund contributions.
- EPFO Generate OTP Send an OTP to the mobile number registered with EPFO to begin a consented provident fund verification for an employee.
- EPFO Name Search Check whether a named individual is employed at a specific company using EPFO provident fund filings, without needing their UAN.
- EPFO Submit OTP Validate the EPFO one-time password and complete authentication, unlocking access to the employee's provident fund records.
- Employment History Retrieve an individual's full employment history from their UAN, with every employer, joining date and exit date on provident fund record.
- Mobile to UAN Find the Universal Account Numbers linked to an Indian mobile number, so an employment check can start from a phone number alone.
Finance
- Bank Statement Analyzer Analyse bank statements to extract financial insights, transaction patterns, balance trends and risk indicators automatically.
- CKYC Download via OTP Download a customer's complete Central KYC record after OTP verification, including verified identity and address data.
- CKYC Generate OTP Send an OTP to the customer's registered mobile number to authorise download of their Central KYC record.
- CKYC Search Search the Central KYC registry using an identity document and retrieve the customer's existing CKYC record.
- Credit Report CIBIL Fetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.
- Credit Report Crif Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.
- Credit Report Experian Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.
- Credit Report Experian V2 The current Experian credit report endpoint, returning score, account history, enquiries and derived credit attributes.
- ITR Compliance Check PAN-based tax compliance including Aadhaar linkage, PAN status and Section 206AB classification for TDS decisions.
- ITR Download Retrieve a taxpayer's income tax return information, including filing history, status and secure document links.
- ITR Download Form 26as Fetch Form 26AS tax credit statements across assessment years with secure download links for each TDS record.
- ITR File Download V Retrieve a taxpayer's filing history with downloadable ITR-V acknowledgement documents for each assessment year.
- ITR get AIS Retrieve Annual Information Statement documents with year-wise PDF links, showing reported financial transactions.
- ITR get Profile Details Fetch a taxpayer's profile from the income tax portal, including PAN details, contact information, address and jurisdiction.
- ITR get TIS Retrieve Taxpayer Information Summary documents with year-wise PDF links, summarising reported income categories.
- Mobile to GST Find GST identification numbers linked to a mobile number, validated across government and financial registration databases.
- SEBI Debarr Verify Fetch SEBI and NSE regulatory records for a PAN, checking whether an individual is debarred from securities markets.
- Search ISIN Record Validate an ISIN and retrieve the security's current status and details, for securities and investment workflows.
- Tan Validation Basic Validate a TAN and retrieve the associated taxpayer details, confirming an entity is authorised to deduct tax at source.
Identity
- Aadhaar Validation Verify an Indian Aadhaar number and get essential identity insights, confirming the number is valid and in use.
- Aadhaar XML Verification Verify an offline Aadhaar eKYC XML by validating UIDAI's digital signature and extracting identity, address and photograph.
- DIN to PAN Find the PAN associated with a Director Identification Number, linking corporate roles to tax identity.
- DL Advanced Extract complete driving licence data including personal details, vehicle entitlements, validity and endorsements.
- DL Basic Fetch driving licence status, holder name, vehicle classes and transport validity in a lightweight verification call.
- Driving License Verify an Indian driving licence using the licence number and date of birth, returning authenticated holder details.
- E-Aadhaar Verify Extract and verify Aadhaar details from an uploaded e-Aadhaar document, combining extraction with validation in one step.
- Esign Download Document Download completed eSign documents in Base64 format using the document ID, once all signatures are collected.
- Esign Status Check Check the current status of an eSign request and retrieve document and recipient signing details.
- Farmer Verification Verify a farmer's identity and registration status using their Aadhaar number and state code.
- Get 1A data Retrieve GSTR-1A B2B invoice details for a GSTIN and return period, for GST reconciliation workflows.
- Get 2A Data Retrieve GSTR-2A B2B invoice details using GSTIN and return period, for input tax credit reconciliation.
- Get 2B Data Retrieve GSTR-2B ITC reversal document details using GSTIN and return period for accurate credit computation.
- Get 3B Data Retrieve GSTR-3B summary return details for a GSTIN and return period, showing declared liability and credit.
- Get Company Details Get a company's full MCA profile including charges, compliance status and director details from its Corporate Identity Number.
- Get PAN Essentials Retrieve a PAN holder's essential details, including name, date of birth and gender, for identity matching.
- Initiate Esign Flow Start an Aadhaar-based eSign flow by submitting documents and recipient details for electronic signature.
- Mobile to PAN Find the PAN linked to a mobile number and name, validated against trusted telecom and financial data sources.
- PAN Aadhaar Link Lookup Fetch PAN-Aadhaar linkage status together with the masked Aadhaar number linked to the PAN.
- PAN Advanced V2 Check a PAN and confirm its validity, holder details and Aadhaar linkage status in a single advanced verification call.
- PAN Comprehensive Retrieve extensive PAN card data for an individual, covering identity details, status and linked information in one call.
- PAN Lite Get the registered name for a valid PAN, a lightweight check for name matching and bulk validation.
- PAN to DIN Find the Director Identification Numbers associated with a PAN, revealing an individual's company directorships.
- Pan Aadhaar Link Status Check whether a PAN is linked to an Aadhaar number and get the current linkage status directly.
- Pan Aadhaar Link Verify Verify PAN-Aadhaar linkage against a specific Aadhaar number, confirming a declared pair actually matches.
- Pan Comprehensive with Aadhaar Check Retrieve full PAN data and validate the linked Aadhaar number in a single call, covering identity and linkage together.
- Pan Udyam Check Check whether a PAN is registered under the Udyam MSME system, confirming small business status from a PAN alone.
- Passport Verification V2 Validate Indian passport data using file number based verification against issuing authority records.
- Voter Id Verification Verify an Indian voter ID and access the essential details recorded on the EPIC card against electoral records.
Merchant
- Company Name to CIN Find a company's Corporate Identity Number and registration status by searching its name in the MCA registry.
- GSTIN By Pan Retrieve every GSTIN linked to a PAN, with the state and current status of each registration.
- PAN to Udyam Details Fetch Udyam registration and enterprise details for a business using its PAN, without needing the Udyam number.
- Udyog Aadhaar Verification Verify a legacy Udyog Aadhaar registration using its UAM number and retrieve the registered enterprise details.
Utility
Vision
- Aadhaar Masking Mask the first eight digits of an Aadhaar number in a document image, returning a redacted copy that is compliant to store.
- Bank Statement OCR Convert a bank statement into structured data with transactions, balances and account details extracted across every page.
- Cheque OCR Extract account number, IFSC, MICR code, bank name and account holder details from a cheque image for account verification.
- Face Match Compare two facial images and get a similarity score, confirming the person presenting a document is the person pictured on it.
- OCR Aadhaar Extract the Aadhaar number, name, date of birth, gender and address from a photo of an Aadhaar card, ready for identity verification.
- OCR PAN Read PAN number, name, father's name and date of birth from a PAN card image and return them as structured, verifiable data.
- OCR Passport Extract passport number, name, date of birth, nationality and expiry from a passport image, including the machine-readable zone.
- OCR Voter Id Read the EPIC number, name, relation name, date of birth, gender and address from a voter ID card image.
- Salary Slip OCR Extract salary components, employer details, banking information and employment data from payslip documents automatically.
Use cases
What Lending & NBFC teams verify
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Confirm a borrower's identity from PAN and Aadhaar before origination
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Verify account ownership by penny drop ahead of disbursal
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Assess income from bank statements, salary slips and ITR filings
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Pull credit history from CIBIL, CRIF or Experian
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Check employment continuity through EPFO and UAN records
Building for Lending & NBFC?
We will walk you through the APIs on this page and which of them your journey actually needs.
- One API key for every check
- Verified against official Indian records
- Built for onboarding at scale