Lending Utility APIs

1. Get Applicant Details

This API lets you get all the details of an applicant using the mobile number as an index.

{
    "decentroTxnId": "XXXXX",
    "status": "SUCCESS",
    "responseCode": "S00000",
    "data": {
        "transactionStatus": "success",
        "transactionDescription": "Applicant details extracted",
        "name": "XXXXX",
        "pan": "XXXXXXXXX",
        "dateOfBirth": "YYYY-MM-DD",
        "emailId": "[email protected]",
        "availableAmount": 99426.0,
        "currentAddress": {
            "city": "XXXXX",
            "district": "XXXXX",
            "state": "XX",
            "country": "XX",
            "pinCode": "XXXXXX"
        },
        "permanentAddress": {
            "city": "XXXXX",
            "district": "XXXXX",
            "state": "XX",
            "country": "XX",
            "pinCode": "XXXXXX"
        },
        "areCurrentAndPermanentAddressesIdentical": true
    },
    "responseKey": "success_applicant_details_fetched"
}

2. Get Address

This API allows users to retrieve the address of an applicant. The API returns the applicant's address details.

{
    "decentroTxnId": "XXXXX",
    "status": "SUCCESS",
    "responseCode": "S00000",
    "data": {
        "transactionStatus": "success",
        "transactionDescription": "Address details extracted",
        "currentAddress": {
            "line1": "XXXXX,",
            "city": "XXXXX",
            "district": "XXXXX",
            "state": "XX",
            "country": "XX",
            "pinCode": "XXXXXX"
        },
        "permanentAddress": {
            "line1": "XXXXX,",
            "city": "XXXXX",
            "district": "XXXXX",
            "state": "XX",
            "country": "XX",
            "pinCode": "XXXXXXX"
        },
        "areCurrentAndPermanentAddressesIdentical": true
    },
    "responseKey": "success_address_details_fetched"
}

3. Get Consolidated Facility Details

This API allows users to retrieve a consolidated list of all the lending facilities available to an applicant. The API returns a list of facilities along with their respective details such as EMI counts, loan amounts, and processing fees. This API can be used to provide the applicant with an overview of the available facilities and to help them make an informed decision.

{
    "decentroTxnId": "XXXXX",
    "status": "SUCCESS",
    "responseCode": "S00000",
    "data": {
        "transactionStatus": "success",
        "transactionDescription": "Facility details extracted",
        "count": 2,
        "facilities": [
            {
                "id": "XX",
                "name": "XXXXX",
                "description": "3 Months - No cost EMIs",
                "durationDays": 90,
                "merchant": "XXXXX",
                "emiCount": 3,
                "emiAmount": 367,
                "minimumLoanRequirement": 1000.0,
                "maximumLoanRequirement": 5000.0,
                "processingFee": 25
            },
            {
                "id": "XX",
                "name": "XXXXX",
                "description": "3 Months EMI",
                "durationDays": 90,
                "merchant": "XXXXX",
                "emiCount": 3,
                "emiAmount": 367,
                "minimumLoanRequirement": 1000.0,
                "maximumLoanRequirement": 5000.0,
                "processingFee": 25
            },
            {
                "id": "XX",
                "name": "XXXXX",
                "description": "No cost EMIs for 3 months only",
                "durationDays": 90,
                "merchant": "XXXXX",
                "emiCount": 3,
                "emiAmount": 367,
                "minimumLoanRequirement": 1000.0,
                "maximumLoanRequirement": 5000.0,
                "processingFee": 25
            }
        ]
    },
    "responseKey": "success_facility_details_fetched"
}

4. Get Specific Facility Details

This API allows users to retrieve specific details about a particular lending facility. The API takes in the facility ID as a parameter and returns details such as interest rates, loan amounts, and repayment terms for that facility. This API can be used to provide the applicant with more detailed information about a specific facility.

{
    "decentroTxnId": "XXXXX",
    "status": "SUCCESS",
    "responseCode": "S00000",
    "data": {
        "transactionStatus": "success",
        "transactionDescription": "Facility detail extracted",
        "count": 1,
        "facilities": [
            {
                "uniqueReferenceNumber": "XXXX",
                "amount": 1001.0
            }
        ]
    },
    "responseKey": "success_facility_details_fetched"
}