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.

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 ship

  Paperless identity verification against the UIDAI database via OTP or biometric authentication. Licensed AUA/KUA access.
• PAN VerificationReady to ship

  Validate a PAN against the Income Tax department and retrieve holder name + status in real time.
• Account AggregatorReady to ship

  Consent-driven financial data sharing across banks via the RBI Account Aggregator framework. FIU-grade integration.
• OCEN LendingIn certification

  Embed credit into your platform via the Open Credit Enablement Network — loan offers from multiple lenders.
• EPFO / UANReady to ship

  Verify a Universal Account Number and retrieve verified employment history for income and KYC checks.
• Aadhaar eSignReady to ship

  Apply legally-valid digital signatures to documents using Aadhaar OTP — fully paperless contract execution.
• Central KYC (CKYC)Ready to ship

  Search and download a citizen's KYC record from the Central KYC Registry using the 14-digit CKYC identifier.
• RazorpayReady to ship

  Accept payments, create orders and disburse payouts through India's most-used payment gateway.