Loan Products

Overview

Your API key has access to a configured set of loan products via productAccess. When initiating a loan journey, you must pass one of the supported product codes.

Supported Loan Products

Personal Loan

Product Code: ONLINE_PERSONALFully digital personal loan journey up to ₹35 Lakh for salaried and self-employed applicants.

Pocket Loan

Product Code: ONLINE_SHORT_TERMInstant short-term personal credit (₹5,000 to ₹50,000) with rapid evaluation and swift disbursal.

Business Loan

Product Code: ONLINE_BUSINESSUnsecured business credit up to ₹50 Lakh. Requires registered business name and self-employed status.

Gold Loan

Product Code: ONLINE_GOLDSecured loan backed by physical gold jewellery, including branch selection and valuation.

Check Enabled Products

Retrieve the real-time list of products active for your API key:

GET /api/v1/partner/products

Required Scope: products:read

Response

{
  "success": true,
  "data": {
    "products": [
      {
        "code": "ONLINE_PERSONAL",
        "displayName": "Personal Loan",
        "category": "PERSONAL"
      },
      {
        "code": "ONLINE_GOLD",
        "displayName": "Gold Loan",
        "category": "GOLD"
      },
      {
        "code": "ONLINE_SHORT_TERM",
        "displayName": "Pocket Loan",
        "category": "PERSONAL"
      },
      {
        "code": "ONLINE_BUSINESS",
        "displayName": "Business Loan",
        "category": "BUSINESS"
      }
    ]
  }
}

Product-Specific Payload Requirements

1. Personal Loan (`ONLINE_PERSONAL`) & Pocket Loan (`ONLINE_SHORT_TERM`)

Standard applicant parameters inside the customer object:

pan, dob, gender, personalEmail, mobile, pinCode, termsAccepted
employmentType: "salaried" or "selfEmployed"
monthlyIncome (or annualIncome)

2. Business Loan (`ONLINE_BUSINESS`)

In addition to standard personal fields, business loan journeys require:

customer.companyName: Registered enterprise or trade name
customer.employmentType: Must be "selfEmployed"
customer.annualIncome: Annual business turnover / gross income

3. Gold Loan (`ONLINE_GOLD`)

Requires a dedicated goldLoanDetails object in the initiate request:

Field	Type	Required	Description
`jewellaryList`	`string[]`	Yes	List of gold articles, e.g. `["Gold Bangle 22K", "Gold Chain 22K"]`
`grams`	`string`	Yes	Total gross gold weight in grams, e.g. `"35.5"`

Getting Started

API Integration

Partner Portal

Overview

Supported Loan Products

Personal Loan

Pocket Loan

Business Loan

Gold Loan

Check Enabled Products

Response

Product-Specific Payload Requirements

1. Personal Loan (`ONLINE_PERSONAL`) & Pocket Loan (`ONLINE_SHORT_TERM`)

2. Business Loan (`ONLINE_BUSINESS`)

3. Gold Loan (`ONLINE_GOLD`)

​Overview

​Supported Loan Products

Personal Loan

Pocket Loan

Business Loan

Gold Loan

​Check Enabled Products

​Response

​Product-Specific Payload Requirements

​1. Personal Loan (ONLINE_PERSONAL) & Pocket Loan (ONLINE_SHORT_TERM)

​2. Business Loan (ONLINE_BUSINESS)

​3. Gold Loan (ONLINE_GOLD)

Overview

Supported Loan Products

Check Enabled Products

Response

Product-Specific Payload Requirements

1. Personal Loan (`ONLINE_PERSONAL`) & Pocket Loan (`ONLINE_SHORT_TERM`)

2. Business Loan (`ONLINE_BUSINESS`)

3. Gold Loan (`ONLINE_GOLD`)