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

DepositAccountPreclosureEnquiry

1.0.0

This API will be used by the partner when a customer enquires to foreclose an account. The customer will be able to see the penalty associated with the FD closure and his actual payout if he wishes to close the FD.

REST

Online
DigitalLendingControls

1.0.0

Whenever this API is invoked loan amount will be disbursed to the beneficiary account.

REST

Online
LoanRepaymentSchedule

1.0.0

Using the Loan Repayment Schedule API, a client application can fetch the the repayment schedule of a loan amount from CBS through back end using Service Request ID, Currency, Interest Rate, Loan Amount, Loan Period, Number of installments, Scheme code, etc. The repayment schedule includes details like Amount paid per installment, the amount split between Interest and Principal, Outstanding principal amount, etc.

REST

Online
PL_BRE_FetchAuthToken

1.0.0

Personal Loan Business Rule Engine-Fetch Auth Token API can be used to fetch Authentication token for calling the bre decision API. The username and password to call to this service will be provided by federal bank at the time of onboarding.

REST

Online
PL_BRE_FetchBreDecision

1.0.0

Personal Loan Business Rule Engine - Fetch BRE Decision API will return the BRE decision on eligibility for a loan based on the inputs passed in the API along with the Authentication token..

REST

Online
RepaymentSchedulePL

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
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

Plans

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Basic Plan

100 calls per 52 hours

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Basic Plan

41 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
DigitalProfile	1.0.0	REST	100 calls per 52 hours
POST /digitalProfile			100 calls per 52 hours
eNACHdatafintech	1.0.0	REST	100 calls per 52 hours
POST /enachdata			100 calls per 52 hours
CIFv3CustIdCreateAOF	1.0.0	REST	100 calls per 52 hours
POST /cifCustIdCreateAOF			100 calls per 52 hours
Fintech_Ddupe_Chk_API	3.0.0	REST	100 calls per 52 hours
POST /check			100 calls per 52 hours
ForexMarkupReversalDataCollection	1.0.0	REST	100 calls per 52 hours
POST /forexmarkuprevdatacollect			100 calls per 52 hours
ManualUnderWritingDataEnq	1.0.0	REST	100 calls per 52 hours
POST /MUDataEnq			100 calls per 52 hours

Contact information

Saran K Joseph