Small Business & Personal Loan API
Enable Instant Loan Application, Eligibility Check, and Disbursement via API.
Overview:
A powerful API service that allows you to offer digital personal loans and MSME business loans with real-time eligibility checks, automated KYC, and fast disbursement — all seamlessly integrated into your platform.
Key Heighlight
- Instant Loan Application (Personal / Business)
- Real-time Credit & KYC Validation
- Automated Underwriting & Approval Flow
- Instant Disbursement to Bank Account
- EMI Scheduling & Repayment APIs
- Dashboard & Status Tracking
- RBI & NBFC Compliant Workflows
API Features:
Sl No | Feature | Description |
1 | Eligibility Check | Real-time credit scoring & eligibility decision |
2 | Loan Types | Personal Loans, MSME Business Loans |
3 | KYC Automation | PAN, Aadhaar, Bank Account Verification |
4 | Loan Agreement | Auto-generated, eSigned via API |
5 | Disbursement | Instant transfer to customer's bank account |
6 | EMI & Repayment | Auto-schedule, reminders, payment tracking |
7 | Status Tracking | Application → Approval → Disbursal flow via API |
Input Required:
- Full Name, DOB, PAN & Aadhaar
- Mobile Number, Email, Address
- Bank Account Details (for disbursal)
- Loan Type (Personal / MSME), Amount & Tenure
- Optional: GSTIN / Udyam ID (for business loans)
- Uploaded Proofs (Bank Statement / Income Docs)
Output:
- Loan Eligibility Result
- Approved Amount, Interest & EMI
- Loan Agreement Link (PDF)
- Disbursement Status & Reference No.
- EMI Schedule + Due Dates
- Rejection Reason (if any)
Security & Compliance
- AES/SSL Encrypted Communication
- NPCI, UIDAI, RBI, and Digital Lending Guidelines Followed
- eKYC + CIBIL/Credit Bureau Integration (Optional)