EPFO / UAN API Integration
Verify a Universal Account Number and retrieve verified employment history for income and KYC checks.
What EPFO / UAN API integration does
EPFO integration verifies a Universal Account Number and returns verified employment history — employer, tenure and contribution record. For salaried applicants this is the strongest income signal available in India, and it is considerably harder to fabricate than the salary slip it replaces.
A salary slip is a document the applicant produces. A contribution record is a document an employer files with a statutory authority every month. The difference matters for underwriting: the EPFO record establishes not just a claimed salary but employment continuity, employer identity and contribution consistency — which together tell you far more about repayment capacity than a single month's payslip. Paired with Account Aggregator data, it gives a lender both the declared income and the observed cash flow.
What teams build with it
Income verification for lending
Confirm employment and contribution history as part of underwriting a personal, consumer or home loan.
Employment verification
Verify a candidate's employment history during background screening without contacting past employers.
Rental and tenancy screening
Establish employment stability for rental applications and deposit decisions.
Credit line sizing
Use tenure and contribution consistency to size limits for salaried customers.
Endpoints included
POST/epfo/v1/employmentReturns the employer-wise PF history linked to a UAN.
Try it in the sandbox
https://sandbox.aeologic.io/epfo/v1/employment{
"uan": "100874512096",
"consent": "Y"
}What you need before we start
- The applicant's UAN, or a path to collect it in your flow
- Consent covering employment data retrieval
- A defined rule for how tenure and contribution history feed your decision
How we deliver it
- Scoping of how the signal is used in your underwriting or screening model
- Sandbox integration with synthetic employment records
- Decision-rule design covering gaps and inconsistent contribution history
- Production access with audit logging
Related Financial Data integrations
Industries using EPFO / UAN
Solution bundles that use it
EPFO / UAN API integration — FAQs
What does the EPFO check return?
Verification of the UAN together with employment history — employer, tenure and contribution record.
Is it more reliable than a salary slip?
Materially. A contribution record is filed by the employer with a statutory authority, whereas a salary slip is supplied by the applicant.
Does it work for self-employed applicants?
No — EPFO covers salaried employment. For self-employed borrowers, Account Aggregator cash-flow data and GSTN filings are the equivalent signals.
Ship EPFO / UAN in days
Tell us your stack and we'll wire up EPFO / UAN API integration for your team.
Talk to Aeologic