Digital Credit - Developer Portal

Description

These APIs are offered to extend loan facility to Customers, through FinTech applications. The APIs enable automated loan account creation and loan disbursal capabilities which the FinTech applications can readily use to run their services, in a fully digitalized and integrated fashion.

APIs

SchemeChangeAddEnquiry

1.0.0

Using the Loan Repayment Schedule API, a client application can fetch the repayment schedule of a loan account from CBS through back end using Request ID, message Date & Time, Account Number, and sol Id. The repayment schedule includes details like Amount to be paid per installment, Outstanding principal amount, Currency code, etc.

REST

Online
PANAadhaarValidate

1.0.0

API used to get PAN Aadhaar details of a given PAN number.

REST

Online
Fintech_Ddupe_Chk_API

1.0.0

Fintech / Service providers increasingly need a secure and reliable means to validate Customers based on the customer data collected from the field or during registration. API Banking of Federal Bank exposes Dedupe_Chk API in order to cater to this need. Service providers can use this API to validate a Customer by providing data collected by them. API accepts one or more of up to 5 such customer attributes, searches the Bank records for a matching Customer record, and returns appropriate status.

Following are the capabilities of this API:

• Any one of the 5 attributes - PAN Number, Aadhaar

REST

Online
Loan_disbursal_enq_API

1.0.0

Loan disbursal enquiry API is used to enquire Loan disbursal status for the customers of Federal Bank.
This API accepts the Loan Disbursement Request ID as an input, for which the status will be returned, on successful completion.

REST

Online
Loan_Account_Creation_API

1.0.0

Creation of Account for LOAN

REST

Online
Loan_disbursal_appl_API

1.0.0

Disbursement in financial terms is the act of paying out or disbursing money. Loan disbursal API is used for paying out the loan amount to the Customer’s operative account.

Input parameters to this API include CustomerID (CIF_ID), Loan Account Number and Loan Amount.

This API helps to disburse the loan amount: To the partner’s pool account with Federal Bank (in case, customer is banking with different Bank). Partner will be offered the Fund transfer API and using any channel (NEFT / RTGS / IMPS), Partner application can disburse the loan amount to the Customer’s account. If Customer has an

REST

Online
CustomerId_Creation_API

1.0.0

Using the Loan Customer ID Creation API, a client application can create a new Customer ID to apply for a loan with the Bank. Along with stringent document verification process by the banker, this API ensures the following:

1.Receive Loan Application

2.Document Collection

3.Document Verification Process

4.Sanctioning of the Loan

On receiving the loan application, the Bank initiates a document collection and verification process. For this, the bank requires identity proof, address proof, income proof documents and other vital information of the Customer. For verifying the documents

REST

Online
Loan_Status_Enquiry_API

1.0.0

This API helps one to know the status of Loan Account creation request, with the help of a RequestID. It is a simple and hassle-free means for customers to check their Loan Account status. Using this method, the customer can check the loan status from anywhere. The response message contains details like Loan Account status, date/time of account creation, the availed loan amount etc.

REST

Online
Account_Statement_API

1.0.0

This API can be used to retrieve the details of the given Bank Account along with the list of transactions, on any given date. API accepts the account number and transaction date as input, along with other parameters. Account Statement API will validate the values provided in sender_cd, account_num and date fields.

This API returns maximum of 200 transactions per call. Each response message will contain the sequence number of the last transaction included in the current list, in the field “last_seq_num”. The client application can then retrieve the next 200 transactions in a subsequent call

REST

Online
UN Name check API

1.0.0

Reserve Bank of India (RBI) has made it mandatory for Banks to conduct necessary checks before opening a new account to ensure that the identity of the customer does not match with any person with known criminal background or with banned entities such as terrorist individuals or terrorist organizations. As per extant RBI guidelines, Banks are required to ensure that before opening any new account, the proposed customer does not appear in the United Nations’ list under Security Council Resolutions (mainly 1267 and such others as may be specified by RBI from time to time) and the terrorist lists

REST

Online
PAN Validation API

1.0.0

The purpose of this API is to verify the PAN Number to validate Customers based on the customer data collected during the Account Opening process.

REST

Online

Plans

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Basic Plan

100 calls per 52 hours

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Basic Plan

35 APIs including

Account_Statement_API 1.0.0
CustomerId_Creation_API 1.0.0
Fintech_Ddupe_Chk_API 1.0.0
Loan_Account_Creation_API 1.0.0
Loan_disbursal_appl_API 1.0.0

View details

APIs

Title	Version	Type	Rate limits
Account_Statement_API	1.0.0	REST	100 calls per 52 hours
POST /accountStatement			100 calls per 52 hours
CustomerId_Creation_API	1.0.0	REST	100 calls per 52 hours
POST /creation			100 calls per 52 hours
Fintech_Ddupe_Chk_API	1.0.0	REST	100 calls per 52 hours
POST /check			100 calls per 52 hours
Loan_Account_Creation_API	1.0.0	REST	100 calls per 52 hours
POST /creation			100 calls per 52 hours
Loan_disbursal_appl_API	1.0.0	REST	100 calls per 52 hours
POST /disbursal_appl			100 calls per 52 hours
Loan_disbursal_enq_API	1.0.0	REST	100 calls per 52 hours
POST /disbursal_enq			100 calls per 52 hours
Loan_Status_Enquiry_API	1.0.0	REST	100 calls per 52 hours
POST /enquiry			100 calls per 52 hours
PAN Validation API	1.0.0	REST	100 calls per 52 hours
POST /validation			100 calls per 52 hours
PANAadhaarValidate	1.0.0	REST	100 calls per 52 hours
POST /PANAadhaarValidate			100 calls per 52 hours
UN Name check API	1.0.0	REST	100 calls per 52 hours
POST /nameCheck			100 calls per 52 hours
CIF_Enquire_API	1.0.0	REST	100 calls per 52 hours
POST /CifEnq			100 calls per 52 hours
CollateralLinkage	1.0.0	REST	100 calls per 52 hours
POST /link			100 calls per 52 hours
CollateralLodging	1.0.0	REST	100 calls per 52 hours
POST /lodge			100 calls per 52 hours
DigitalCPV	1.0.0	REST	100 calls per 52 hours
POST /digitalCPV			100 calls per 52 hours
LoanClosure	1.0.0	REST	100 calls per 52 hours
POST /loanClosure			100 calls per 52 hours
LoanClosureEnquiry	1.0.0	REST	100 calls per 52 hours
POST /loanClosureEnquiry			100 calls per 52 hours
Loan_Enquire_API	1.0.0	REST	100 calls per 52 hours
POST /LoanEnq			100 calls per 52 hours
UNNameCheck	1.0.1	REST	100 calls per 52 hours
POST /unNameCheck			100 calls per 52 hours
DepositAccountPreclosureEnquiry	1.0.0	REST	100 calls per 52 hours
POST /DepositAcctPreclosEnq			100 calls per 52 hours
DigitalLendingControls	1.0.0	REST	100 calls per 52 hours
POST /digitalLendingControls			100 calls per 52 hours
LoanRepaymentSchedule	1.0.0	REST	100 calls per 52 hours
POST /loanRepaymentSchedule			100 calls per 52 hours
PL_BRE_FetchAuthToken	1.0.0	REST	100 calls per 52 hours
POST /FetchAuthToken			100 calls per 52 hours
PL_BRE_FetchBreDecision	1.0.0	REST	100 calls per 52 hours
POST /FetchBreDecision			100 calls per 52 hours
RepaymentSchedulePL	1.0.0	REST	100 calls per 52 hours
POST /repaymentSchedulePL			100 calls per 52 hours
SchemeChangeAddEnquiry	1.0.0	REST	100 calls per 52 hours
POST /schemeChangeAddEnq			100 calls per 52 hours
DocumentSharing	1.0.0	REST	100 calls per 52 hours
POST /documentSharing			100 calls per 52 hours
UNNameCheck_v2	2.0.0	REST	100 calls per 52 hours
POST /unNameCheck			100 calls per 52 hours
PanValidationV2	2.0.0	REST	100 calls per 52 hours
POST /validate			100 calls per 52 hours
FI_GSTAdd	1.0.0	REST	100 calls per 52 hours
POST /figstadd			100 calls per 52 hours
LR_SanctionLimitandDetailsUpdate	1.0.0	REST	100 calls per 52 hours
POST /lrSanctionLimitAndDtlsUpd			100 calls per 52 hours
LR_NextInterestApplicationDateUpdate	1.0.0	REST	100 calls per 52 hours
POST /lrNextInterestDateUpd			100 calls per 52 hours
LR_LatestInterestRateUpdate	1.0.0	REST	100 calls per 52 hours
POST /lrLatestInterestRateUpd			100 calls per 52 hours
LR_BorrowerReportingDetailsUpdate	1.0.0	REST	100 calls per 52 hours
POST /lrBorrowerDetailsUpd			100 calls per 52 hours
GSTbifurcation	1.0.0	REST	100 calls per 52 hours
POST /GSTbifurcation			100 calls per 52 hours
LentraBREwrapper	1.0.0	REST	100 calls per 52 hours
POST /lentraBreWrapper			100 calls per 52 hours

Contact information

Saran K Joseph