Lending & NBFC API Integration
Application to disbursal, fully paperless — the digital lending stack.
Digital lenders and NBFCs need to verify identity, assess ability-to-pay and sign and disburse without a branch visit. Our OCEN, Account Aggregator, EPFO, eSign and payout connectors are certified and ready, so you underwrite and disburse a loan end-to-end from one integration surface.
Why Lending & NBFC teams integrate this stack
Digital lending lives or dies on two numbers: how many applicants complete the journey, and how well you can tell good ones from bad. Almost every integration decision in this vertical trades against one of those, and the traditional process loses on both — document collection destroys completion, and customer-supplied statements are weak evidence.
The stack below inverts that. Aadhaar e-KYC and PAN establish identity without an upload. Account Aggregator delivers structured bank data straight from the bank, so underwriting reads primary-source cash flow rather than a parsed PDF. EPFO confirms salaried income from a statutory record rather than a payslip. OCEN lets you surface offers from multiple lenders. Aadhaar eSign executes the agreement in-session, and a gateway disburses. Completion goes up because steps disappear; decision quality goes up because the evidence is better.
What shapes the Lending & NBFC integration stack
Underwrite on observed data
Account Aggregator returns structured transactions and balances direct from the bank, tamper-evident and consent-bound, rather than a document the applicant chose to send you.
Income proof that is filed, not supplied
EPFO contribution history is filed monthly by the employer with a statutory authority. A salary slip is produced by the applicant. The difference matters.
Sign and disburse in the same session
Aadhaar eSign produces a legally valid signature against an OTP, so the agreement does not gate disbursal behind a courier cycle.
Thin-file borrowers are reachable
Cash-flow lending on AA data and GSTN filings underwrites self-employed applicants who cannot produce formal income proof at all.
What you can ship
- Verify borrower identity and income with KYC, PAN and EPFO
- Fetch consented financial data over Account Aggregator and OCEN
- Sign the loan agreement with Aadhaar eSign and disburse instantly
Integrations for Lending & NBFC
- Aadhaar e-KYCReady to shipPaperless identity verification against the UIDAI database via OTP or biometric authentication. Licensed AUA/KUA access.
- PAN VerificationReady to shipValidate a PAN against the Income Tax department and retrieve holder name + status in real time.
- Account AggregatorReady to shipConsent-driven financial data sharing across banks via the RBI Account Aggregator framework. FIU-grade integration.
- OCEN LendingIn certificationEmbed credit into your platform via the Open Credit Enablement Network — loan offers from multiple lenders.
- EPFO / UANReady to shipVerify a Universal Account Number and retrieve verified employment history for income and KYC checks.
- Aadhaar eSignReady to shipApply legally-valid digital signatures to documents using Aadhaar OTP — fully paperless contract execution.
- Central KYC (CKYC)Ready to shipSearch and download a citizen's KYC record from the Central KYC Registry using the 14-digit CKYC identifier.
- RazorpayReady to shipAccept payments, create orders and disburse payouts through India's most-used payment gateway.
Lending & NBFC API integration — FAQs
How do we underwrite self-employed borrowers?
EPFO only covers salaried employment. For self-employed applicants the equivalent signals are Account Aggregator cash-flow data and GSTN filing history, both of which we can add to the same flow.
Does OCEN mean we become a lender?
No. Under OCEN you act as a loan service provider surfacing offers from registered lenders. The credit and the risk sit with the lender; the customer journey stays with you.
How long does a full digital lending flow take to build?
Our Digital Lending Stack bundle chains six integrations and typically goes live in three to four weeks, most of which is your credit policy configuration rather than integration work.
Other industries we integrate for
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