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Verification APIs for NBFCs

The identity, account and statement checks behind lending decisions, through one integration.

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A loan officer reviewing an application with a small-business owner

the problem

What teams deal with

  • Each product line tends to add another verification vendor.
  • Credit teams need explainable signals, not unexplained scores.
  • Collections and disbursement depend on accounts being checked first.

apis

APIs for nbfcs

  • PAN verification API

    Check that a PAN exists and is active, and see the permitted details on record, with the source and time of every field.

  • Bank account verification API

    Check that a bank account exists and can receive funds, and compare the account holder’s name with the name you were given.

  • Account holder name match API

    Compare the verified name on a bank account with your borrower’s name, handling initials, order and spelling variations.

  • Bank statement analysis API

    Turn bank statement data into income, balance, obligation and repayment-capacity measures, each traceable to the transactions behind it.

  • Bank statement fraud detection API

    Flag edits and internal inconsistencies in an uploaded bank statement, with the page, severity and confidence of each indicator.

  • Udyam (MSME) verification API

    Check an Udyam registration and see the enterprise’s name, MSME classification and activities, as of the date the source reports.

  • GST return filing status API

    See whether a business has filed its GST returns for each period, as a signal of filing regularity.

good to know

Good to know

  • Your KYC obligations remain yours. Koshio supplies checks and the evidence behind them; your policies decide what happens next.
  • Designed to support the customer due diligence the Reserve Bank of India’s KYC directions ask of you, with your policy deciding each outcome.

questions

Questions

Can we lend to small businesses with the same integration?

Yes. Udyam, GST and company checks are designed around the same request shape as the individual checks.

Talk to us about nbfcs

Tell us what your flow looks like today, and we'll show you how the checks fit into it.

Book a demo

Or write to sales@koshio.in