API Reference

Loan API

post
https://uat-apiorigin.arthmate.com/api/loan

A loan API is invoked after initial KYC is done. This API will invoke the BRE and then create the loan. The fields in this API are conditional and differs from product to product. Your account manager will share the postman collection relevant for you.

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Use Array Data in request for this API

The fields in this API are conditional and differs from product to product. Your account manager will share the postman collection relevant for you.

Note: USE PRODUCT TOKEN FOR THIS API.

Body Params
string
required
Defaults to BHYLAPP0030

This contains the partner loan application id for the request that is being sent.

string
required
Defaults to BHYBOR0030

Borrower id at partner's end

string
required
Defaults to BHYPL-9673717434524

Arthmate loan application id. This id is returned from the Lead API.

string
required
Defaults to ASDTFKFIPP

Borrower ID

string
required
Defaults to MNTYU138617

This contains the partner loan ID for the request that is being sent

string
Defaults to UTC9876567

Borrower service provider number on electricity bill

string
Defaults to 234564789574567

Borrower ITR acknowledge number

string
Defaults to 123456789012

Borrower UNIVERSAL ACCOUNT NUMBER (UAN)

date
required
Defaults to 2022-01-01

Borrower loan applied date should be YYYY-MM-DD format

string
enum
Defaults to Hindu

Borrower's religion

Allowed:
string
enum
Defaults to High School

Borrower's Qualification

Allowed:
string
enum
Defaults to Married

Marital status of Borrower

Allowed:
float
required
Defaults to 10000

Sanction amount of loan

float
Defaults to 2.5

GST on loan processing fee in percentage

float
Defaults to 100

GST on loan processing fee amount

string
enum
required
Defaults to Bullet repayment

Repayment type of loan

Allowed:
float
Defaults to 100

Loan app charges

float
Defaults to 250

Loan stamp charges

date
Defaults to 2022-01-01

Loan first installment date in YYYY-MM-DD format

float
Defaults to 500

Advance loan emi

float
Defaults to 25

This contains FLDG percentage from the allotted amount

float
Defaults to 2500

This contains FLDG amount from the allotted amount

float
Defaults to 2500

Total charges for loan

float
required
Defaults to 200

This contains the loan amount disbursed for the request that is being sent

date
Defaults to 2022-01-01

Loan approval date in YYYY-MM-DD format

string
Defaults to Some remarks

Final remarks for loan

string
Defaults to ABCD

Employer name of the borrower

string
Defaults to COM12345

Employer id of the borrower

float
Defaults to 2.25

This contains the borrower foir for the request that is being sent

float
Defaults to 20

Fees

float
Defaults to 200

Subvention fees

float
Defaults to 20

Usage Fee

float
Defaults to 200

Upfront Interest

float
Defaults to 20

Interest free days

string
Defaults to true / false

Exclude interest till grace period

string
Defaults to 10

Grace Period

float
Defaults to 20

Overdue charges per day

float
Defaults to 10

Overdue days

string
Defaults to John

Borrower father/spouse name

string
Defaults to SBIN9000000000000009

Unique Mandate Reference number(UMRN)

float
Defaults to 325000

Annual Income of Borrower

string
Defaults to Test Bank of India

Bank name of Borrower

string
Defaults to 456323456345

Borrower bank account number

string
Defaults to IFSC1234567

Borrower Bank IFSC code

string
enum
Defaults to Flat

Type of Interest

Allowed:
string
enum
Defaults to Month

Type of tenure

Allowed:
float
Defaults to 10

Tenure of loan

float
Defaults to 2.5

Loan processing fee in percentage

float
Defaults to 2000

Loan processing fee amount

string
Defaults to 123456789@ybl

Virtual Payment Address

float
Defaults to 2500

Convention Fees

float
Defaults to 2.5

Loan Interest Rate

float
Defaults to 2000

Loan Interest Amount

string
Defaults to 234

Partner System Score

float
Defaults to 2000

Average Bank Balance

string
Defaults to 07AAAAA1234A1 Z1

GST Number

string
Defaults to Yes / No

GST Verification response

float
Defaults to 4

Business Vintage overall(total time of business opertaional)

string
Defaults to John Doe

Borrower Bank Account holder name

string
Defaults to Savings / Current

Borrower account type

float
Defaults to 20000

Invoice amount

string
enum
Defaults to New

Type of Customer

Allowed:
string
enum
Defaults to Salaried

Employment status of Borrower

Allowed:
string
Defaults to Technical / Health / Education

Professional category of Borrower

string
Defaults to Developer / Tester

Professional Subcategory of Borrower

float
Defaults to 2

Vintage at current employer

string
Defaults to Low Risk / High Risk

Customer risk segment of Borrower

string
enum
Defaults to Yes

Customer type ntc

Allowed:
string
Defaults to null

Partner Customer Category

string
Defaults to PAN / Aadhar

Photo ID type of borrower

string
Defaults to ABCDE0000F / 111122223333

Photo ID Number of borrower

string
enum
Defaults to Aadhar

Address ID type of Borrower

Allowed:
string
Defaults to ABCDE0000F / 111122223333

Address ID Number of Borrower

float
Defaults to 2

Disc factor merchant risk category

float
Defaults to 234

Disc factor bureau score

int32
Defaults to 1

90 plus dpd in last 24 months

float
Defaults to 10000

Current overdue value

int32
Defaults to 0

dpd in last 9 months

int32
Defaults to 1

dpd in last 3 months

int32
Defaults to 2

dpd in last 6 months

int32
Defaults to 234

Bureau Score of Borrower

string
enum
Defaults to Cibil

Type of Bureau

Allowed:
float
Defaults to 25000

Monthly Income of Borrower

int32
Defaults to 1

Bounces in one month

int32
Defaults to 4

Bounces in three month

int32
Defaults to 5

Bounces in six month

int32
Defaults to 8

Bounces in nine month

int32
Defaults to 10

Number of deposit transactions

int32
Defaults to 10

Number of withdrawal transactions

string
Defaults to Yes / No

Regular salary credit

float
Defaults to 100000

Loan amount requested by Borrower

string
Defaults to Yes / No

Active secured loan or credit card

string
Defaults to TEST INSURANCE CO

Insurance company

string
Defaults to Health Insurance / Vehicle Insurance

Type of insurance

string
Defaults to YES / NO

Written Off or default in loan

string
Defaults to YES / NO

Credit card settlement

float
Defaults to 5000

Credit Card settlement Amount

float
Defaults to 2000

Down Payment Amount

float
Defaults to 200

EMI Amount

string
required
Defaults to Test Bank of India

Beneficiary Bank name

string
required
Defaults to 456323456345

Beneficiary bank account number

string
required
Defaults to IFSC1234567

Beneficiary Bank IFSC Code

string
required
Defaults to John Doe Kate

Beneficiary bank account holder name

string
enum
Defaults to Current

Beneficiary bank account type

Allowed:
int32
required
Defaults to 11

EMI count

int32
Defaults to 1

dpd in last 12 months

int32
Defaults to 2

dpd in last 24 months

float
required
Defaults to 2500

Requested Loan Amount

int32
Defaults to 0

dpd in last 3 months Credit Card

int32
Defaults to 1

dpd in last 3 months Secured

int32
Defaults to 5

dpd in last 3 months Unsecured

float
Defaults to 2000

Total Monthly Sales

float
Defaults to 12

Profit Margin Percentage

float
Defaults to 1

Broken Period Interest Amount

float
Defaults to 12

Pre-Payment Charges Percent

string
Defaults to 1000

Pre-Payment Charges Amount

float
Defaults to 15000

Annual Turnover

float
Defaults to 10000

Average Banking Turnover 6 Months

int32
Defaults to 5

Enquiries Bureau 30 days

int32
Defaults to 2

Count Active Unsecured Loans

float
Defaults to 5000

Banking Outflow 6 Months

float
Defaults to 6000

Banking inflow 6 Months

float
Defaults to 500

Subscription Fee

float
Defaults to 20000

Total Banking Turnover 6 Months

float
Defaults to 15000

Business Expenses 6 Months

float
Defaults to 1200.25

Insurance Amount

int32
Defaults to 99

Co lender assignment ID

int32
Defaults to 60

DPD in last 3 months Co Applicant

int32
Defaults to 55

DPD in last 3 months CBR

int32
Defaults to 105

DPD in last 6 months Co Applicant

int32
Defaults to 105

DPD in last 9 months Co Applicant

int32
Defaults to 150

DPD in last 12 months Co Applicant

int32
Defaults to 200

DPD in last 24 months Co Applicant

int32
Defaults to 105

DPD in last 6 months CBR

int32
Defaults to 105

DPD in last 9 months CBR

int32
Defaults to 150

DPD in last 12 months CBR

int32
Defaults to 200

DPD in last 24 months CBR

int32
Defaults to 15

Overdue days CBR

string
enum
Defaults to Yes

Written off or default Co Applicant

Allowed:
float
Defaults to 10.5

Active Secured loan or credit card Co applicant

int32
Defaults to 10

Count Active Unsecured Loans CBR

int32
Defaults to 5

Enquiries Bureau 30 days CBR

int32
Defaults to 35

Enquiries in last 3 months CBR

double
Defaults to 2000

Bureau Outstanding loan Amount

int32
Defaults to 15

Overdue Days Co Applicant

int32
Defaults to 200

Total Bureau Vintage Co Applicant

string
enum
Defaults to Yes

Other burd1 Co Applicant

Allowed:
string
enum
Defaults to Yes

Other Burd 2 Co Applicant

Allowed:
string
enum
Defaults to Yes

Other Busd 1 Co Applicant

Allowed:
string
enum
Defaults to Yes

Other Busd 2 Co Applicant

Allowed:
double
Defaults to 100

Current Overdue value Co Applicant

double
Defaults to 100

Current Overdue value CBR

double
Defaults to 5

Total overdues in Credit card Co Applicant

double
Defaults to 10

Total overdues in Credit card CBR

int32
Defaults to 200

Total Bureau Vintage CBR

string
enum
Defaults to Yes

Other Burd 1 CBR

Allowed:
string
enum
Defaults to Yes

Other Burd 2 CBR

Allowed:
string
enum
Defaults to Yes

Other Busd 1 CBR

Allowed:
string
enum
Defaults to Yes

Other Busd 2 CBR

Allowed:
int32
Defaults to 1

Outward Bounces in One Month

int32
Defaults to 3

Outward Bounces in three Month

int32
Defaults to 6

Outward Bounces in Six Month

int32
Defaults to 9

Outward Bounces in Nine Month

int32
Defaults to 2

Inward return in last 6 months

double
Defaults to 1000

Sum of credit balance in all credit card

float
Defaults to 10

Co app or guarantor obligation

date
Defaults to 2022-01-13

Co Applicant or guarantor Date of Birth

string
enum
Defaults to Male

Co Applicant or guarantor Gender

Allowed:
string
enum
Defaults to Yes

Co Applicant or guarantor NTC

Allowed:
string
Defaults to Teacher

Co applicant or guarantor Occupation

string
Defaults to Sid

Patient Name

float
Defaults to 25

Patient Age

date
Defaults to 1997-10-14

Patient Date of Birth

string
enum
Defaults to Father

Patient Relation with applicant

float
Defaults to 10

Residence Vintage

string
enum
Defaults to LLP

Business Entity Type

Allowed:
float
Defaults to 10000

Household expense

string
Defaults to UDYAM-XX-00-0000000

Udyam Registration number

float
Defaults to 0.12

Current ration

float
Defaults to 0.12

Quick ratio

float
Defaults to 0.12

Cash Ratio

float
Defaults to 12

TOL to TNW

float
Defaults to 0.12

Debt Service Coverage Ratio

float
Defaults to 50

Revenue growth

float
Defaults to 50

EBITDA Growth

float
Defaults to 700

Z SCORE

string
Defaults to LEGACY_00_00000

Legacy Loan Id

float
Defaults to 12

Transaction Average

float
Defaults to 12

Transaction 1

float
Defaults to 12

Transaction 2

float
Defaults to 12

Transaction 3

float
Defaults to 12

Transaction 4

float
Defaults to 12

Transaction 5

float
Defaults to 12

Transaction 6

float
Defaults to 12

Transaction Other

string
enum
Defaults to ARR

Program Type

Allowed:
float
Defaults to 12000

Cash Runway

float
Defaults to 15

Business Add Vintage

int32
Defaults to 15

Number of Customer

float
Defaults to 15

Average Monthly Recurring Revenue

float
Defaults to 150

Adjusted Monthly Revenue

float
Defaults to 150

Recurring Revenue Growth

float
Defaults to 150

Annual Recurring Revenue

float
Defaults to 100

Valuation

float
Defaults to 120

Valuation 2

float
Defaults to 110

Average valuation

float
Defaults to 100

Current Exposure

float
Defaults to 150

Total Exposure

string
Defaults to JACK DOE

Property Owner Name

string
enum
Defaults to Equitable

Type of Mortgage

Allowed:
string
enum
Defaults to Sq meter

Area Parameters

Allowed:
float
Defaults to 100

Built up area

string
enum
Defaults to Self owned

Property Occupancy

Allowed:
float
Defaults to 90

Area Land

string
enum
Defaults to Residential

Property Type

Allowed:
string
Defaults to RZ-50, Sample Block, Near Sample Colony

Property Address

string
enum
Defaults to Under construction

Property Current status

Allowed:
Responses

Updated over 2 years ago

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Updated over 2 years ago