Associating a loan after running verifications

Pre and Post facto PAN KYC flow

Pre-facto PAN KYC

First call PAN API. We get the KYC ID in response in the field kyc_id

{
    "success": true,
    "kyc_id": "NBF1234-PAN-KUDOS-1633328162284",
    "Name": "xyz",
    "Status": "Success",
    "Message": "Existing and Valid",
    "Pan": "ABCDE1234E",
    "Title": "Kumar",
    "FirstName": "X",
    "MiddleName": "Y",
    "LastName": "Z",
    "AdhaarSeedingStatus": "Success",
    "LastUpdatedOn": "19/10/2020",
    "raw": "1^HHHS1234E^E^SHUKLA^SHIV^VAS^Kumar^19/10/2020^SHUKLA^Y^",
    "KycStatus": "Success",
    "meta": {
        "reqId": "10c52e29-42da-44a4-ae39-6fb5af6efcd3",
        "took": 1071
    }
}

Then Either in the Loan Request or Borrower Info API, Pass the KYC ID in the header of the request as pan_kyc_id

2. Post-facto PAN KYC


First call the Loan Request and Borrower Info API.
Then call the PAN API along with the kudos_loan_id in the request body.

Note :- You can also call the PAN API after the Loan Request API and then call the Borrower Info API along with KYC ID in the request header of the borrower info API.

Pre and Post facto Aadhar XML flow

Pre-facto Aadhar XML

  • First call 3 aadhar XML APIs. In the 3rd API, we get the KYC ID in response in the field aadhar_kyc_id
  • Then call the Loan Request and Borrower Info API.
  • Either in the Loan Request or Borrower Info API, Pass this KYC ID in the header of the request as aadhar_kyc_id along with Authorization and company_code.

Post-facto Aadhar XML

  • First call the Loan Request and Borrower Info API.
  • After that call 3 aadhar XML APIs. In the 3rd API, pass the Kudos Loan Id in the request body.

Note:- You can also call the Aadhar XML APIs after the Loan Request API and then call the Borrower Info API along with KYC ID in the request header of the borrower info API.

Once the headers are set successfully, you can see data on ELAAP in Loan details page with “Tick” and “Cross” marks.

Tick mark is :- If PAN card and loan request data are matched.
Cross mark is :- If PAN card data and loan request data are not matched