Step 1 - Loan Request

post

https://stagingplatformapi.kudosfinance.in/v3/api/loanrequest

Use Case - To create a new loan application in system. A POST call has to be made to this API with corresponding values against the keys mentioned in the request parameter. API will respond with Kudos loan ID and Kudos Borrower ID.

A Loan Request is an intent made by a customer for availing a product.
The response of the loan request is primarily 2 main fields that need to be used in all subsequent API's:
The request parameters typically change based on your product
Ask your account manager for your specific product Postman collection

Body Params

partner_loan_id

string

required

Defaults to MNTYU138617

characters accepted, max length 200. This contains the partner loan ID for the request that is being sent

partner_borrower_id

string

required

Defaults to FSSL1903766

Alphanumeric characters accepted, max length 200. Borrower ID at partner's end

first_name

string

required

Defaults to John

Alphanumeric characters accepted, max length 20. Borrower's First Name.

middle_name

string

Defaults to Doe

Alphanumeric characters accepted, max length 20.Borrower's Middle Name.

last_name

string

required

Defaults to Kate

Alphanumeric characters accepted, max length 20. Borrower's Last Name.

sector

string

Defaults to BL or bullet etc

Only characters accepted, max length 200. Type of loan.

type_of_addr

string

Defaults to Rented / Owned

Only characters accepted, max length 200. Type of address

resi_addr_ln1

string

Defaults to ABCDEF

Alphanumeric characters accepted, max length 200. This contains the current address of the borrower.

resi_addr_ln2

string

Defaults to ABCDEF

Alphanumeric characters accepted, max length 200. This contains the current address of the borrower.

city

string

Defaults to Pune

Alphanumeric characters accepted, max length 200. This contains the borrower current city of living

state

string

Defaults to Maharashtra

Alphanumeric characters accepted, max length 200. This contains the borrower current state of living

pincode

int32

Defaults to 421765

Numbers accepted, max length 6. This contains the borrower current pincode for the request that is being sent

per_addr_ln1

string

Defaults to ABCDEF

Alphanumeric characters accepted, max length 200. This contains the permanent address of the borrower

per_addr_ln2

string

Defaults to ABCDEF

Alphanumeric characters accepted, max length 200. This contains the permanent address of the borrower.

per_city

string

Defaults to PUNE

Alphanumeric characters accepted, max length 200.This contains the borrower permanent city of living.

per_state

string

Defaults to Maharashtra

Alphanumeric characters accepted, max length 200. This contains the borrower permanent state of living.

per_pincode

int32

Defaults to 421765

Numbers accepted, max length 6. This contains the borrower permanent pincode for the request that is being sent

appl_phone

int32

Defaults to 8746453627

Numbers accepted, max length 10. Borrower's Phone Number.

appl_pan

string

Defaults to ABCDE1234F

First 5 alphabets followed by 4 numbers and 1 alphabet in caps. Borrower's PAN number.

email_id

string

Defaults to [email protected]

Email id contains @ and .,after . 2 or 3 letters required. Borrower's Email Address.

aadhar_card_num

string

Defaults to 222335566476

12 digit Numbers only. Borrower's Adhaar number.

dob

date

Defaults to 2021-09-15

Borrower's Date of birth.

ebill_num

string

Defaults to 345434

Alphanumeric accepted, max length 200. ebill number of borrower.

gender

string

Defaults to Male / Female / Other

Characters accepted, max length 20. Gender of borrower.

photo_id_type

string

Defaults to pan / aadhar

Alphanumeric accepted, max length 200. Borrower's photo id type.

photo_id_num

string

Defaults to 222233334444/ABCDE1234F

Alphanumeric accepted, max length 200. Borrower's photo id number. (number which is on photo id type)

addr_id_type

string

Defaults to pan / aadhar

Alphanumeric accepted, max length 200. Borrower's address id type.

addr_id_num

string

Defaults to number which is on address id type

Alphanumeric accepted, max length 200. Borrower's address id number.

no_year_current_addr

float

Defaults to 2

Numbers accepted, max length 200. Number of years to stay borrower at current address.

total_experience

float

Defaults to 4

Numbers accepted, max length 200. Work experience of borrower

cibil_score_borro

string

Defaults to 123

Numbers accepted, max length 3. This contains the CIBIL score of the borrower

purpose_of_loan

string

Defaults to Medical expense

Alphanumeric characters accepted . Purpose of the loan.

annual_income_borro

float

Defaults to 324500

Numbers accepted. Annual income of the borrower.

borro_bank_name

string

Defaults to State Bank of India

Alphanumeric characters accepted, max length 200. This contains the name of the bank where the borrower has his account for the request that is being sent.

borro_bank_acc_num

float

Defaults to 456323456345

Numbers only, max length 200. This contains the bank account number of borrower for the request that is being sent

borro_bank_ifsc

string

Defaults to HDFC3452143

Alphanumeric characters accepted, max length 11. This contains the IFSC Code of the bank where the borrower has his account for the request that is being sent (format should be like four letters followed by 7 digits).

sanction_status

string

Defaults to Approved, pending, disbursed

Alphabets only, max length 20. loan sanction status.

sanction_date

date

Defaults to 2021-09-15

Loan sanction date

applied_amount

float

Defaults to 23000

Numbers accepted, max length 200. Applied loan amount by borrower.

int_rate_flat_perc

float

Defaults to 8.5

Numbers only, max length 20 . Flat interest rate of loan in percentage.

int_rate_reducing_perc

float

Defaults to 9

Numbers only, max length 20 . Reducing interest rate of loan in percentage.

int_type

string

Defaults to flat / reducing

Alphabets only, max length 20.

loan_tenure

float

Defaults to 36

Numbers accepted, max length 200. Duration of payback in month from date of disbursement.

emi_amt

float

Defaults to 1234

Numbers accepted, max length 200. This contains the emi amount of the loan repayment for the request that is being sent.

processing_fees_perc

float

Defaults to 8.5

Numeric characters accepted. Processing fees for the loan in percentage.

processing_fees_amt

float

Defaults to 100

Numeric characters accepted. Processing fees for the loan in amount.

passport

string

Defaults to J6745637

Alphanumeric accepted, max length 8 and one alphabate(J) followed by 7 digits. Passport number of the borrower.

vpa_address

string

Defaults to 876765@ybl

Alphanumeric accepted, max length 200 and @ is required. Virtual Payment Address of borrower.

conv_fees

float

Defaults to 200

Numbers accepted, max length 20. Conveyance fee.

loan_int_rate

float

Defaults to 8.5

Numbers only, max length 20 . Loan interest rate.

borro_salary

float

Defaults to 240000

Numbers accepted, max length 20. Salary of borrower.

kudos_processing_fees

float

Defaults to 250

Numbers accepted, max length 20. Kudos processing fees.

loan_int_amt

float

Defaults to 200

Loan interest amount

loan_status

string

Defaults to Pending / Active / Close / Cancel

Alphanumeric accepted, max length 200. Status of loan.

loan_coupon

float

Defaults to 100

Alphanumeric accepted, max length 200. Valid loan coupon amount.

repayment_amt_status

string

Defaults to Completed / Partial payment

Alphanumeric accepted, max length 200. Status of repayment amount.

partner_system_score

float

Defaults to 234

Numbers accepted, max length 200. Partner System Score.

ABB

float

Defaults to 20000

Numbers accepted, max length 200. Avarage Bank Balance.

agreement_validity

string

Defaults to 1 Year

Alphanumeric accepted, Agreement validity

Responses

200200

400400