{"info":{"_postman_id":"78df9752-7339-4f9f-b63f-c27f4a604f5a","name":"FinB Total eKYC APIs","description":"<html><head></head><body><p>The <strong>Total eKYC</strong> enables access to various API services via a <strong>standardized programmatic interface</strong>.</p>\n<ul>\n<li><p>API requests are made using <strong>HTTP methods</strong> (GET, POST, etc.).</p>\n</li>\n<li><p>Responses are returned in <strong>JSON format</strong>.</p>\n</li>\n<li><p>The latest API version is <strong>v1</strong>.</p>\n</li>\n<li><p>All endpoints require authentication via <strong>Bearer Token</strong>.</p>\n</li>\n</ul>\n<h3 id=\"using-postman\"><strong>Using Postman</strong></h3>\n<p>To get started quickly, use <strong>Postman</strong>:</p>\n<ol>\n<li><p>Click the <strong>\"Run in Postman\"</strong> button above.</p>\n</li>\n<li><p>Import our <strong>Postman Collection</strong>, which includes pre-configured endpoints.</p>\n</li>\n<li><p>Add your <strong>Bearer Token</strong> in the <strong>Authorization header</strong>.</p>\n</li>\n</ol>\n<hr>\n<h2 id=\"need-help\"><strong>Need Help?</strong></h2>\n<p>📩 <strong>Support Email</strong>: <a href=\"https://mailto:techsupport@finb.ai\">techsupport@finb.ai</a></p>\n<p>⚠️ <strong>All API requests require authentication</strong> using the following format:</p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">Authorization: Bearer YOUR_API_TOKEN\n\n</code></pre>\n<hr>\n<h1 id=\"registration-quickstart\"><strong>Registration Quickstart</strong></h1>\n<p>To get API access (staging &amp; production), contact <a href=\"https://mailto:techsupport@finb.ai\">techsupport@finb.ai</a></p>\n<h3 id=\"trial-usage\"><strong>Trial Usage</strong></h3>\n<ul>\n<li><p><strong>Trial Period</strong>: 3 days</p>\n</li>\n<li><p><strong>Limit</strong>: 50 API requests</p>\n</li>\n<li><p><strong>Request a trial</strong>: Contact <a href=\"https://mailto:techsupport@finb.ai\">techsupport@finb.ai</a></p>\n</li>\n</ul>\n<hr>\n<h1 id=\"endpoints\"><strong>Endpoints</strong></h1>\n<p>API requests are made via <strong>HTTPS</strong> using versioned URLs.</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Environment</th>\n<th>Endpoint</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Production</strong></td>\n<td><a href=\"https://live.totalekyc.com\">https://live.totalekyc.com</a></td>\n</tr>\n</tbody>\n</table>\n</div><hr>\n<h1 id=\"api-response-format\"><strong>API Response Format</strong></h1>\n<p>Each response is wrapped inside a <code>data</code> field and includes metadata fields like <code>timestamp</code>, <code>transaction_id</code>, and <code>status</code>.</p>\n<h3 id=\"example-response\"><strong>Example Response</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n \"timestamp\": \"2025-06-24T07:15:13.206Z\",\n  \"transaction_id\": \"a2f800a2-0cc1-49d0-b82a-37f9ebc808e1\",\n  \"status\": \"success\",\n  \"data\":{\n          }\n}\n\n</code></pre>\n<hr>\n<h1 id=\"authentication\"><strong>Authentication</strong></h1>\n<p>Finb API uses <strong>token-based authentication</strong>.</p>\n<ul>\n<li><p>Tokens are required for <strong>all requests</strong>.</p>\n</li>\n<li><p>Requests must be sent over <strong>HTTPS</strong>.</p>\n</li>\n<li><p>You will be provided with both <strong>live</strong> and <strong>sandbox</strong> tokens.</p>\n</li>\n<li><p>Sandbox mode allows <strong>testing</strong> before going live, with a request cap of <strong>50 trial credits</strong>.</p>\n</li>\n</ul>\n<h3 id=\"authorization-header\"><strong>Authorization Header</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-plaintext\">Authorization: Bearer YOUR_API_TOKEN\n\n</code></pre>\n<hr>\n<h1 id=\"errors-and-status-codes\"><strong>Errors and Status Codes</strong></h1>\n<h3 id=\"standard-http-status-codes\"><strong>Standard HTTP Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Name</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>OK</td>\n<td>Successful Request</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"error-codes\"><strong>Error Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Name</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>400</td>\n<td>Bad Request</td>\n<td>Malformed request</td>\n</tr>\n<tr>\n<td>401</td>\n<td>Unauthorized</td>\n<td>Invalid authentication token</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Unprocessable Entity</td>\n<td>Validation error</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>API-side error</td>\n</tr>\n</tbody>\n</table>\n</div><hr>\n<h3 id=\"tips-to-avoid-rate-limits\"><strong>Tips to Avoid Rate Limits</strong></h3>\n<p>✔️ Schedule <strong>batch API jobs</strong> outside peak hours.<br>✔️ <strong>Throttle</strong> batch jobs using delays.<br>✔️ Implement <strong>exponential backoff</strong> (start with <strong>30-second delay</strong>).<br>✔️ Prioritize <strong>essential API requests</strong> first.<br>✔️ Set up <strong>alerts</strong> to monitor <strong>error responses</strong>.</p>\n<hr>\n<h1 id=\"api-deprecation-policy\"><strong>API Deprecation Policy</strong></h1>\n<p>When an API version is <strong>deprecated</strong>, we will:</p>\n<ol>\n<li><p><strong>Mark the endpoint as deprecated</strong> in the documentation.</p>\n</li>\n<li><p><strong>Add a</strong> <strong><code>Sunset</code></strong> <strong>header</strong> to indicate the deprecation date.</p>\n</li>\n<li><p><strong>Notify developers via email</strong> before deprecation.</p>\n</li>\n<li><p><strong>Send follow-up emails</strong> after the deprecation date.</p>\n</li>\n</ol>\n<hr>\n<h2 id=\"backwards-compatibility\"><strong>Backwards Compatibility</strong></h2>\n<p>The following changes are <strong>backwards-compatible</strong>:<br>✔️ Adding <strong>new API endpoints</strong><br>✔️ Adding <strong>new response fields</strong><br>✔️ Adding <strong>optional request parameters</strong><br>✔️ Sending <strong>webhooks for new event types</strong><br>✔️ Reordering <strong>JSON properties</strong></p>\n<hr>\n<h2 id=\"additional-information\"><strong>Additional Information</strong></h2>\n<p>If you have any questions, contact our <strong>Support Team</strong> at <a href=\"https://mailto:techsupport@finb.io\"><b>techsupport@finb.ai</b></a></p>\n</body></html>","schema":"https://schema.getpostman.com/json/collection/v2.0.0/collection.json","toc":[{"content":"Registration Quickstart","slug":"registration-quickstart"},{"content":"Endpoints","slug":"endpoints"},{"content":"API Response Format","slug":"api-response-format"},{"content":"Authentication","slug":"authentication"},{"content":"Errors and Status Codes","slug":"errors-and-status-codes"},{"content":"API Deprecation Policy","slug":"api-deprecation-policy"}],"owner":"55578418","collectionId":"78df9752-7339-4f9f-b63f-c27f4a604f5a","publishedId":"2sBXwwnnUS","public":true,"customColor":{"top-bar":"FFFFFF","right-sidebar":"303030","highlight":"4B8DE6"},"publishDate":"2026-07-15T08:36:39.000Z"},"item":[{"name":"CIBIL  Credit Report","item":[{"name":"CIBIL Services","item":[{"name":"CIBIL V1 (JSON+HTML)","id":"24cb4eeb-0b6e-4e01-aedb-a959bdc9a30c","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil","description":"<h1 id=\"cibil-v1-jsonhtml\">CIBIL V1 (JSON+HTML)</h1>\n<p>The <strong>CIBIL V1 Credit Report API</strong> enables retrieval of an individual's credit report by validating the customer's identity against CIBIL's credit bureau records.</p>\n<p>The API supports multiple search flows based on the customer information available:</p>\n<ul>\n<li><p><strong>3-Token Search:</strong> Name + Mobile Number + PAN</p>\n</li>\n<li><p><strong>4-Token Search:</strong> Name + Mobile Number + PAN + Date of Birth</p>\n</li>\n<li><p><strong>6-Token Search:</strong> Name + Mobile Number + PAN + Date of Birth + Gender + Address</p>\n</li>\n</ul>\n<p>The API processes the provided customer information and attempts to identify the corresponding bureau record.</p>\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Credit Risk Evaluation</strong> during customer onboarding</p>\n</li>\n<li><p><strong>Financial Profile Verification</strong></p>\n</li>\n<li><p><strong>Loan Eligibility Assessment</strong></p>\n</li>\n<li><p><strong>Credit Card Eligibility Assessment</strong></p>\n</li>\n<li><p><strong>Existing Customer Credit Review</strong></p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Production Base URL</strong></td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/cibil</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\">Headers</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"search-types\">Search Types</h1>\n<p>The API supports three different input combinations.</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Search Type</th>\n<th>Customer Information</th>\n<th>Recommended Use</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>3-Token</strong></td>\n<td>Name + Mobile + PAN</td>\n<td>Primary search when minimum information is available</td>\n</tr>\n<tr>\n<td><strong>4-Token</strong></td>\n<td>Name + Mobile + PAN + DOB</td>\n<td>Additional identity validation</td>\n</tr>\n<tr>\n<td><strong>6-Token</strong></td>\n<td>Name + Mobile + PAN + DOB + Gender + Address</td>\n<td>Detailed identity matching</td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Important:</strong> The API may require additional customer information when the 3-token search does not produce a unique bureau match. In such cases, the request can be retried using the 4-token or 6-token payload.</p>\n<hr />\n<h1 id=\"1-three-token-search\">1. Three-Token Search</h1>\n<h3 id=\"input-combination\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN</strong></p>\n<p>This is the minimum-input search flow.</p>\n<h3 id=\"request-payload\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"2-four-token-search\">2. Four-Token Search</h1>\n<h3 id=\"input-combination-1\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN + Date of Birth</strong></p>\n<p>This flow adds the customer's date of birth to strengthen identity matching when the 3-token search is insufficient.</p>\n<h3 id=\"request-payload-1\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters-1\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Customer's date of birth in <code>YYYY-MM-DD</code> format</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"3-six-token-search\">3. Six-Token Search</h1>\n<h3 id=\"input-combination-2\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN + Date of Birth + Gender + Address</strong></p>\n<p>This flow provides additional customer information for more detailed bureau matching.</p>\n<h3 id=\"request-payload-2\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\n      \"City\": \"New Delhi\",\n      \"PostalCode\": 110001,\n      \"Region\": \"07\",\n      \"AddressType\": 1\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters-2\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Customer's date of birth in <code>YYYY-MM-DD</code> format</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Gender</code></td>\n<td>String</td>\n<td>Customer gender: <code>Male</code>, <code>Female</code>, or <code>Other</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.StreetAddress</code></td>\n<td>String</td>\n<td>Customer's residential address</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.City</code></td>\n<td>String</td>\n<td>Customer's city</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.PostalCode</code></td>\n<td>Number</td>\n<td>Customer's postal / PIN code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.Region</code></td>\n<td>Number</td>\n<td>Region / state code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.AddressType</code></td>\n<td>Number</td>\n<td>Address type. <code>1</code> represents primary address</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"common-request-parameters\">Common Request Parameters</h1>\n<p>The following parameters are used across the supported CIBIL search flows:</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer PAN / identifier</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer mobile number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Date of birth</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Gender</code></td>\n<td>String</td>\n<td>Customer gender</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.StreetAddress</code></td>\n<td>String</td>\n<td>Residential address</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.City</code></td>\n<td>String</td>\n<td>City</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.PostalCode</code></td>\n<td>Number</td>\n<td>Postal / PIN code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.Region</code></td>\n<td>Number</td>\n<td>Region / state code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.AddressType</code></td>\n<td>Number</td>\n<td>Address type</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status</td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent status</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\">Response Parameters</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>message</code></td>\n<td>String</td>\n<td>Status message of the API response</td>\n</tr>\n<tr>\n<td><code>cibilData</code></td>\n<td>Object</td>\n<td>Contains credit report and metadata</td>\n</tr>\n<tr>\n<td><code>cibilData.GetCustomerAssetsResponse</code></td>\n<td>Object</td>\n<td>Wrapper for CIBIL credit report structure</td>\n</tr>\n<tr>\n<td><code>cibilData.ResponseStatus</code></td>\n<td>String</td>\n<td>API-level success indicator</td>\n</tr>\n<tr>\n<td><code>cibilData.ResponseKey</code></td>\n<td>String</td>\n<td>Unique response identifier</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.Status</code></td>\n<td>String</td>\n<td>Credit report status</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.CreationDate</code></td>\n<td>String</td>\n<td>Date on which the report asset was created</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.ExpirationDate</code></td>\n<td>String</td>\n<td>Expiry date of the report asset</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport</code></td>\n<td>Object</td>\n<td>Complete credit report data</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport.Borrower.Birth.date</code></td>\n<td>String</td>\n<td>Borrower's date of birth</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport.Borrower.BorrowerKey</code></td>\n<td>String</td>\n<td>Unique borrower identifier</td>\n</tr>\n<tr>\n<td><code>htmlUrl</code></td>\n<td>String</td>\n<td>Secure, one-time viewable credit report URL</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"search-flow--error-handling\">Search Flow &amp; Error Handling</h1>\n<p>The recommended search flow is:</p>\n<p><strong>3-Token → 4-Token → 6-Token</strong></p>\n<p>If the initial 3-token search does not identify the correct bureau record, additional customer information can be supplied through the 4-token or 6-token request.</p>\n<hr />\n<h1 id=\"status-codes\">Status Codes</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>CIBIL report retrieved successfully</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Invalid Request</td>\n<td>Incorrect or missing request parameters</td>\n<td><strong>NO</strong></td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API authentication</td>\n<td><strong>NO</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Identity verification is pending, Please Proceed to Customer Auth Flow</td>\n<td>Due to Invalid Mobile number or Not Primary Mobile -&gt; Please check the \"CIBIL Auth Flow\" Folder</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Express NO HIT Subject</td>\n<td>The bureau could not confidently identify the customer using the current number of tokens and requires additional information.</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>1001001-NOHIT</td>\n<td>Customer does not have any credit record</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected server-side issue</td>\n<td><strong>NO</strong></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"latency-metrics\">Latency Metrics</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>CIBIL (JSON+HTML)</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"important-notes\">Important Notes</h1>\n<ul>\n<li><p>Use a valid and unexpired <strong>Bearer Token</strong> for authentication.</p>\n</li>\n<li><p>Customer information must be entered accurately as per the customer's KYC details.</p>\n</li>\n<li><p>The <strong>3-token flow</strong> uses Name + Mobile + PAN.</p>\n</li>\n<li><p>The <strong>4-token flow</strong> uses Name + Mobile + PAN + DOB.</p>\n</li>\n<li><p>The <strong>6-token flow</strong> uses Name + Mobile + PAN + DOB + Gender + Address.</p>\n</li>\n<li><p>Additional inputs should only be provided when they are available and accurate.</p>\n</li>\n<li><p>The <code>htmlUrl</code> is a <strong>single-use URL</strong> and should be opened only once.</p>\n</li>\n<li><p>The <code>credit_report_link</code> provides access to the generated detailed credit report.</p>\n</li>\n</ul>\n<p>This version keeps the <strong>single endpoint</strong> prominent and makes the 3/4/6-token payload differences immediately clear for clients. I can also give you a three-question practice quiz here if you want to quickly test the 3-token vs 4-token vs 6-token behaviour.</p>\n","urlObject":{"path":["api","credit-report","individual","cibil"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b138bb96-f7db-4077-a34a-c30fd726c629","name":"Success (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Tue, 29 Jul 2025 10:41:33 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"89683"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"1000"},{"key":"X-RateLimit-Remaining","value":"999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"15e53-itG2cjLjdP6hAzXVu2km7tQxJgE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-07-29T10:41:33.613Z\",\n    \"transaction_id\": \"TXN-PROD-a04ee548-c537-439d-a8aa-3631036ead8a\",\n    \"status\": \"success\",\n    \"data\": {\n        \"message\": \"CIBIL Report generated successfully\",\n        \"cibilData\": {\n            \"GetCustomerAssetsResponse\": {\n                \"ResponseStatus\": \"Success\",\n                \"ResponseKey\": \"0d07489731a2a30a:1d98c735:19855b69465:-1b11\",\n                \"GetCustomerAssetsSuccess\": {\n                    \"Asset\": {\n                        \"Status\": \"Active\",\n                        \"SafetyCheckFailure\": false,\n                        \"ExpirationDate\": \"2027-07-29T15:26:52.338+05:30\",\n                        \"CreationDate\": \"2025-07-29T15:26:52.338+05:30\",\n                        \"TrueLinkCreditReport\": {\n                            \"ReferenceKey\": \"9396219201\",\n                            \"currentversion\": \"5.0\",\n                            \"Borrower\": {\n                                \"Birth\": {\n                                    \"date\": \"2002-12-20+05:30\",\n                                    \"partitionSet\": \"0\",\n                                    \"BirthDate\": {\n                                        \"month\": \"12\",\n                                        \"year\": \"2002\",\n                                        \"day\": \"20\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                        \"InquiryDate\": \"2025-07-29+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"4790905154\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"age\": \"0\"\n                                },\n                                \"borrowerKey\": \"4790905154\",\n                                \"BorrowerAddress\": [\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"01\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"0\",\n                                        \"dateReported\": \"2024-03-18+05:30\",\n                                        \"partitionSet\": \"0\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"2755588921\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"S/O MD SHAKIL AHMED GRAM ASHRFPUR DARBHANGA\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"847306\",\n                                            \"Region\": \"10\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SBI CARD\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    },\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"02\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"02\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"1\",\n                                        \"dateReported\": \"2024-03-18+05:30\",\n                                        \"partitionSet\": \"1\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"2755588920\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"H NO-13 PM BUSTI 4TH BY LAND SHIVPUR HOWRAH HOWRAH\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"711102\",\n                                            \"Region\": \"19\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SBI CARD\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    },\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"03\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"2\",\n                                        \"dateReported\": \"2024-03-18+05:30\",\n                                        \"partitionSet\": \"2\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"2755588919\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"MAAN SAHAB PLOT NO -84 RAVINDRA SARANI KOLKATA KOLKATTA\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"700073\",\n                                            \"Region\": \"19\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SBI CARD\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    },\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"04\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"3\",\n                                        \"dateReported\": \"2024-02-29+05:30\",\n                                        \"partitionSet\": \"3\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"2824877508\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"GRAM ASHRFPUR DANI WARD NO 02 POST SHEKHPUR DANGARWARA THANA KEOTI ASRAFPUR DARBHANGA BIHAR 847306 DARBHANGA\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"847306\",\n                                            \"Region\": \"10\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"TCL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    }\n                                ],\n                                \"CreditScore\": {\n                                    \"CreditScoreModel\": {\n                                        \"symbol\": \"CIBILTUSC3\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"CreditScoreFactor\": [\n                                        {\n                                            \"bureauCode\": \"26\",\n                                            \"Factor\": {\n                                                \"symbol\": \"26\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: One of the factors your CIBIL Score depends on is the timely payments you make towards your outstanding loans and credit cards. If you have missed a payment for more than 91 days in the last 36 months, your account will be tagged as severely delinquent. Any severe delinquency will have a negative impact on your CIBIL Score even further. One way to improve your CIBIL Score is to make your payments before/by the due date. This will prevent your account from getting delinquent and will subsequently have a positive impact on your CIBIL Score.\",\n                                                \"factor: One of the factors your CIBIL Score depends on is the timely payments you make towards your outstanding loans and credit cards. If you have missed a payment for more than 91 days in the last 36 months, your account will be tagged as severely delinquent. Any severe delinquency will have a negative impact on your CIBIL Score even further. One way to improve your CIBIL Score is to make your payments before/by the due date. This will prevent your account from getting delinquent and will subsequently have a positive impact on your CIBIL Score.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"35\",\n                                            \"Factor\": {\n                                                \"symbol\": \"35\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: One of the factors your CIBIL Score depends on is the timely payments you make towards your outstanding loans and credit cards. If you have missed a payment in the last 36 months, it will lead to your account being delinquent. Any delinquency will have a negative impact on your CIBIL Score. One way to improve your CIBIL Score is to make your payments before/by the due date. This will prevent your account from getting delinquent and will subsequently have a positive impact on your CIBIL Score.\",\n                                                \"factor: One of the factors your CIBIL Score depends on is the timely payments you make towards your outstanding loans and credit cards. If you have missed a payment in the last 36 months, it will lead to your account being delinquent. Any delinquency will have a negative impact on your CIBIL Score. One way to improve your CIBIL Score is to make your payments before/by the due date. This will prevent your account from getting delinquent and will subsequently have a positive impact on your CIBIL Score.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"39\",\n                                            \"Factor\": {\n                                                \"symbol\": \"39\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\",\n                                                \"factor: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"36\",\n                                            \"Factor\": {\n                                                \"symbol\": \"36\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\",\n                                                \"factor: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"38\",\n                                            \"Factor\": {\n                                                \"symbol\": \"38\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\",\n                                                \"factor: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\"\n                                            ]\n                                        }\n                                    ],\n                                    \"NoScoreReason\": {\n                                        \"symbol\": \"\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"riskScore\": \"720\",\n                                    \"populationRank\": \"20\",\n                                    \"Source\": {\n                                        \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                        \"InquiryDate\": 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        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"6841618187\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-12-05+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"6636310588\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-10-23+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"6551058005\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-10-06+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"6139945269\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-07-15+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"6121090531\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-07-12+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5909630433\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-05-27+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5874291908\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-05-19+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5665178125\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-03-30+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5641127017\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-03-25+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5626652036\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2023-03-21+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"20000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"IDFC FIRST BANK\",\n                                        \"enqControlNum\": \"5313978639\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2022-12-27+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"5260055564\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2022-12-09+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"AXIS BANK\",\n                                        \"enqControlNum\": \"4995894880\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2022-09-14+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"10000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"06\",\n                                        \"subscriberName\": \"IDFC FIRST BANK\",\n                                        \"enqControlNum\": \"4911538128\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2022-08-17+05:30\"\n                                    }\n                                },\n                                {\n                                    \"Inquiry\": {\n                                        \"amount\": \"50000\",\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"inquiryType\": \"10\",\n                                        \"subscriberName\": \"KOTAK BANK\",\n                                        \"enqControlNum\": \"4790905154\",\n                                        \"description\": \"\",\n                                        \"subscriberNumber\": \"\",\n                                        \"bureau\": \"\",\n                                        \"Source\": {\n                                            \"Reference\": \"f718d25b-641b-44ec-b69b-daff2cc61510\",\n                                            \"InquiryDate\": \"2025-07-29+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"4790905154\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"inquiryDate\": \"2022-07-07+05:30\"\n                                    }\n                                }\n                            ]\n                        },\n                        \"AssetId\": \"21508182889\",\n                        \"Type\": \"SingleCreditReport\"\n                    }\n                }\n            }\n        },\n        \"htmlUrl\": \"https://myscore.cibil.com/CreditView/webtokenasset.page?enterprise=JunoonCapita&pcc=md655429&webtoken=NhcZT8HEvp5SyT1I1pHVIAie_lJ1Jxf13FFmkJz7WkidJzEyzzbLT8iV4b0-Fkl2VD71cZecJafRJkm--SDpFg\"\n    }\n}"},{"id":"29f733a2-8eb6-4279-94de-bcb38024a4ee","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE12\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"status":"Bad Request","code":400,"_postman_previewlanguage":null,"header":[{"key":":status","value":400},{"key":"date","value":"Wed, 02 Sep 2026 07:07:17 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"107"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"6b-GJkZMjylMRZGPajU/DV2PrrgKk0\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Missing required field CustomerInfo.PhoneNumber.Number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"24be6716-fd5d-4473-85c7-b37ddd5a65d5","name":"Express No Hit(422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":":status","value":200},{"key":"date","value":"Mon, 17 Aug 2026 10:44:14 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"105885"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"19d9d-JkPlloagLqTQu7Uzm1H9ffxFqlU\""}],"cookie":[],"responseTime":null,"body":"{\n  \"data\": {\n    \"retry\": false,\n    \"message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n    \"clientKey\": \"ABCDE1234F\",\n    \"message_code\": \"NO_HIT\",\n    \"message_type\": \"Cibil Fulfill Failed\"\n  },\n  \"status\": \"error\",\n  \"timestamp\": \"2026-08-25T08:31:45.761Z\",\n  \"error_message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n  \"transaction_id\": \"TXN-PROD-c9be6fad-1dae-4224-bc5d-97090006728a\"\n}"},{"id":"835e5350-b69c-491d-b7ac-6e2af38a0ce1","name":"Auth Flow( 422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":":status","value":200},{"key":"date","value":"Mon, 17 Aug 2026 10:44:14 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"105885"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"19d9d-JkPlloagLqTQu7Uzm1H9ffxFqlU\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-09-29T10:37:51.809Z\",\n    \"transaction_id\": \"TXN-PROD-1bb7d6e1-0355-4347-b962-674a5cdf2960\",\n    \"data\": {\n        \"message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\",\n        \"message_code\": \"cibil_iv_in_progress\",\n        \"message_type\": \"Cibil Auth Retry Failed\",\n        \"retry\": true,\n        \"clientKey\": \"EGPPA6890H\"\n    },\n    \"error_message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\"\n}"}],"_postman_id":"24cb4eeb-0b6e-4e01-aedb-a959bdc9a30c"},{"name":"CIBIL V1 Combine (JSON+HTML+PDF)","id":"2aba49fc-ba2c-48bb-88e9-191f8f797ee7","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\n// ---------------------- 3 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n//  OR \n// ---------------------- 4 TOKEN ------------------------\n\n\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n//  OR \n// ---------------------- 6 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\n      \"City\": \"New Delhi\",\n      \"PostalCode\": 110001,\n      \"Region\": \"07\",\n      \"AddressType\": 1\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n\n\n\n\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/combine","description":"<h1 id=\"cibil-v1-combine-jsonhtmlpdf\">CIBIL V1 Combine (JSON+HTML+PDF)</h1>\n<p>The <strong>CIBIL V1 Credit Report Combine API</strong> enables retrieval of an individual's credit report by validating the customer's identity against CIBIL's credit bureau records.</p>\n<p>The API supports multiple search flows based on the customer information available:</p>\n<ul>\n<li><p><strong>3-Token Search:</strong> Name + Mobile Number + PAN</p>\n</li>\n<li><p><strong>4-Token Search:</strong> Name + Mobile Number + PAN + Date of Birth</p>\n</li>\n<li><p><strong>6-Token Search:</strong> Name + Mobile Number + PAN + Date of Birth + Gender + Address</p>\n</li>\n</ul>\n<p>The API processes the provided customer information and attempts to identify the corresponding bureau record.</p>\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Credit Risk Evaluation</strong> during customer onboarding</p>\n</li>\n<li><p><strong>Financial Profile Verification</strong></p>\n</li>\n<li><p><strong>Loan Eligibility Assessment</strong></p>\n</li>\n<li><p><strong>Credit Card Eligibility Assessment</strong></p>\n</li>\n<li><p><strong>Existing Customer Credit Review</strong></p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Production Base URL</strong></td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/cibil/combine</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\">Headers</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"search-types\">Search Types</h1>\n<p>The API supports three different input combinations.</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Search Type</th>\n<th>Customer Information</th>\n<th>Recommended Use</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>3-Token</strong></td>\n<td>Name + Mobile + PAN</td>\n<td>Primary search when minimum information is available</td>\n</tr>\n<tr>\n<td><strong>4-Token</strong></td>\n<td>Name + Mobile + PAN + DOB</td>\n<td>Additional identity validation</td>\n</tr>\n<tr>\n<td><strong>6-Token</strong></td>\n<td>Name + Mobile + PAN + DOB + Gender + Address</td>\n<td>Detailed identity matching</td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Important:</strong> The API may require additional customer information when the 3-token search does not produce a unique bureau match. In such cases, the request can be retried using the 4-token or 6-token payload.</p>\n<hr />\n<h1 id=\"1-three-token-search\">1. Three-Token Search</h1>\n<h3 id=\"input-combination\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN</strong></p>\n<p>This is the minimum-input search flow.</p>\n<h3 id=\"request-payload\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"2-four-token-search\">2. Four-Token Search</h1>\n<h3 id=\"input-combination-1\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN + Date of Birth</strong></p>\n<p>This flow adds the customer's date of birth to strengthen identity matching when the 3-token search is insufficient.</p>\n<h3 id=\"request-payload-1\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters-1\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Customer's date of birth in <code>YYYY-MM-DD</code> format</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"3-six-token-search\">3. Six-Token Search</h1>\n<h3 id=\"input-combination-2\">Input Combination</h3>\n<p><strong>Name + Mobile Number + PAN + Date of Birth + Gender + Address</strong></p>\n<p>This flow provides additional customer information for more detailed bureau matching.</p>\n<h3 id=\"request-payload-2\">Request Payload</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\n      \"City\": \"New Delhi\",\n      \"PostalCode\": 110001,\n      \"Region\": \"07\",\n      \"AddressType\": 1\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n</code></pre>\n<h3 id=\"parameters-2\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type, e.g. <code>TaxId</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer's PAN / identifier number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Customer's date of birth in <code>YYYY-MM-DD</code> format</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer's registered mobile number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Gender</code></td>\n<td>String</td>\n<td>Customer gender: <code>Male</code>, <code>Female</code>, or <code>Other</code></td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.StreetAddress</code></td>\n<td>String</td>\n<td>Customer's residential address</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.City</code></td>\n<td>String</td>\n<td>Customer's city</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.PostalCode</code></td>\n<td>Number</td>\n<td>Customer's postal / PIN code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.Region</code></td>\n<td>Number</td>\n<td>Region / state code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.AddressType</code></td>\n<td>Number</td>\n<td>Address type. <code>1</code> represents primary address</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status. Use <code>Accept</code></td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent. Use <code>true</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"common-request-parameters\">Common Request Parameters</h1>\n<p>The following parameters are used across the supported CIBIL search flows:</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>CustomerInfo.Name.Forename</code></td>\n<td>String</td>\n<td>Customer's first name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Name.Surname</code></td>\n<td>String</td>\n<td>Customer's last name</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.IdentifierName</code></td>\n<td>String</td>\n<td>Identifier type</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.IdentificationNumber.Id</code></td>\n<td>String</td>\n<td>Customer PAN / identifier</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.PhoneNumber.Number</code></td>\n<td>Number</td>\n<td>Customer mobile number</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.DateOfBirth</code></td>\n<td>String</td>\n<td>Date of birth</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Gender</code></td>\n<td>String</td>\n<td>Customer gender</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.StreetAddress</code></td>\n<td>String</td>\n<td>Residential address</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.City</code></td>\n<td>String</td>\n<td>City</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.PostalCode</code></td>\n<td>Number</td>\n<td>Postal / PIN code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.Region</code></td>\n<td>Number</td>\n<td>Region / state code</td>\n</tr>\n<tr>\n<td><code>CustomerInfo.Address.AddressType</code></td>\n<td>Number</td>\n<td>Address type</td>\n</tr>\n<tr>\n<td><code>LegalCopyStatus</code></td>\n<td>String</td>\n<td>Legal agreement status</td>\n</tr>\n<tr>\n<td><code>UserConsentForDataSharing</code></td>\n<td>Boolean</td>\n<td>Customer consent status</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\">Response Parameters</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>message</code></td>\n<td>String</td>\n<td>Status message of the API response</td>\n</tr>\n<tr>\n<td><code>credit_report_link</code></td>\n<td>String</td>\n<td>Custom detailed PDF credit report</td>\n</tr>\n<tr>\n<td><code>cibilData</code></td>\n<td>Object</td>\n<td>Contains credit report and metadata</td>\n</tr>\n<tr>\n<td><code>cibilData.GetCustomerAssetsResponse</code></td>\n<td>Object</td>\n<td>Wrapper for CIBIL credit report structure</td>\n</tr>\n<tr>\n<td><code>cibilData.ResponseStatus</code></td>\n<td>String</td>\n<td>API-level success indicator</td>\n</tr>\n<tr>\n<td><code>cibilData.ResponseKey</code></td>\n<td>String</td>\n<td>Unique response identifier</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.Status</code></td>\n<td>String</td>\n<td>Credit report status</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.CreationDate</code></td>\n<td>String</td>\n<td>Date on which the report asset was created</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.ExpirationDate</code></td>\n<td>String</td>\n<td>Expiry date of the report asset</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport</code></td>\n<td>Object</td>\n<td>Complete credit report data</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport.Borrower.Birth.date</code></td>\n<td>String</td>\n<td>Borrower's date of birth</td>\n</tr>\n<tr>\n<td><code>cibilData.Asset.TrueLinkCreditReport.Borrower.BorrowerKey</code></td>\n<td>String</td>\n<td>Unique borrower identifier</td>\n</tr>\n<tr>\n<td><code>htmlUrl</code></td>\n<td>String</td>\n<td>Secure, one-time viewable credit report URL</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"search-flow--error-handling\">Search Flow &amp; Error Handling</h1>\n<p>The recommended search flow is:</p>\n<p><strong>3-Token → 4-Token → 6-Token</strong></p>\n<p>If the initial 3-token search does not identify the correct bureau record, additional customer information can be supplied through the 4-token or 6-token request.</p>\n<hr />\n<h1 id=\"status-codes\">Status Codes</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>CIBIL report retrieved successfully</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Invalid Request</td>\n<td>Incorrect or missing request parameters</td>\n<td><strong>NO</strong></td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API authentication</td>\n<td><strong>NO</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Identity verification is pending, Please Proceed to Customer Auth Flow</td>\n<td>Invalid Input (Mobile Number/ PAN)</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Express NO HIT Subject</td>\n<td>The bureau could not confidently identify the customer using the current number of tokens and requires additional information.</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>1001001-NOHIT</td>\n<td>Customer does not have any credit history</td>\n<td><strong>YES</strong></td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected server-side issue</td>\n<td><strong>NO</strong></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"latency-metrics\">Latency Metrics</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>CIBIL Combine (JSON+HTML+PDF)</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"important-notes\">Important Notes</h1>\n<ul>\n<li><p>Use a valid and unexpired <strong>Bearer Token</strong> for authentication.</p>\n</li>\n<li><p>Customer information must be entered accurately as per the customer's KYC details.</p>\n</li>\n<li><p>The <strong>3-token flow</strong> uses Name + Mobile + PAN.</p>\n</li>\n<li><p>The <strong>4-token flow</strong> uses Name + Mobile + PAN + DOB.</p>\n</li>\n<li><p>The <strong>6-token flow</strong> uses Name + Mobile + PAN + DOB + Gender + Address.</p>\n</li>\n<li><p>Additional inputs should only be provided when they are available and accurate.</p>\n</li>\n<li><p>The <code>htmlUrl</code> is a <strong>single-use URL</strong> and should be opened only once.</p>\n</li>\n<li><p>The <code>credit_report_link</code> provides access to the generated detailed credit report.</p>\n</li>\n</ul>\n<p>This version keeps the <strong>single endpoint</strong> prominent and makes the 3/4/6-token payload differences immediately clear for clients. I can also give you a three-question practice quiz here if you want to quickly test the 3-token vs 4-token vs 6-token behaviour.</p>\n","urlObject":{"path":["api","credit-report","individual","cibil","combine"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"0d19b22b-60b7-442b-b2b7-22f22e14fb11","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\n// ---------------------- 3 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n//  OR \n// ---------------------- 4 TOKEN ------------------------\n\n\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n//  OR \n// ---------------------- 6 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\n      \"City\": \"New Delhi\",\n      \"PostalCode\": 110001,\n      \"Region\": \"07\",\n      \"AddressType\": 1\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n\n\n\n\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil-pdf"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Fri, 02 Jan 2026 05:27:36 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"335913"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"52029-7nBvXywWPrx/4cVzvXbHr+9Gefo\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-01-02T05:27:36.566Z\",\n    \"transaction_id\": \"TXN-PROD-92938d5e-8a0e-4812-8ae6-79528eb27746\",\n    \"status\": \"success\",\n    \"data\": {\n        \"message\": \"CIBIL Report generated successfully\",\n        \"cibilData\": {\n            \"GetCustomerAssetsResponse\": {\n                \"ResponseStatus\": \"Success\",\n                \"ResponseKey\": \"aaaaaaaaaaaaaaaa:-11111a11:11a1a11aaaa:0001\",\n                \"GetCustomerAssetsSuccess\": {\n                    \"Asset\": {\n                        \"Status\": \"Active\",\n                        \"SafetyCheckFailure\": false,\n                        \"ExpirationDate\": \"2028-01-02T10:57:33.234+05:30\",\n                        \"CreationDate\": \"2026-01-02T10:57:33.234+05:30\",\n                        \"TrueLinkCreditReport\": {\n                            \"ReferenceKey\": \"00000000000\",\n                            \"currentversion\": \"5.0\",\n                            \"Borrower\": {\n                                \"Birth\": {\n                                    \"date\": \"1985-03-15+05:30\",\n                                    \"partitionSet\": \"0\",\n                                    \"BirthDate\": {\n                                        \"month\": \"3\",\n                                        \"year\": \"1985\",\n                                        \"day\": \"15\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"age\": \"0\"\n                                },\n                                \"borrowerKey\": \"000000000\",\n                                \"BorrowerAddress\": [\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"03\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"0\",\n                                        \"dateReported\": \"2024-07-18+05:30\",\n                                        \"partitionSet\": \"0\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"3100000000\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"SAMPLE FINANCE SERVICES LLP, SAMPLE PLAZA\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"400001\",\n                                            \"Region\": \"24\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SAMPLE BANK\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    },\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"02\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"1\",\n                                        \"dateReported\": \"2024-07-18+05:30\",\n                                        \"partitionSet\": \"1\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"3100000001\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"X-000 SAMPLE SOCIETY NEAR SAMPLE CHOWK, SAMPLE AREA, SAMPLE CITY\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"400001\",\n                                            \"Region\": \"24\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SAMPLE BANK\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    }\n                                ],\n                                \"CreditScore\": {\n                                    \"CreditScoreModel\": {\n                                        \"symbol\": \"CIBILTUSC3\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"CreditScoreFactor\": [\n                                        {\n                                            \"bureauCode\": \"39\",\n                                            \"Factor\": {\n                                                \"symbol\": \"39\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: Sample explanatory factor text describing how payment behavior affects the score.\",\n                                                \"factor: Sample factor summary text describing how payment behavior affects the score.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"00\",\n                                            \"Factor\": {\n                                                \"symbol\": \"00\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"No Valid Factors\",\n                                                \"Sample placeholder text for unavailable adverse factors.\"\n                                            ]\n                                        }\n                                    ],\n                                    \"NoScoreReason\": {\n                                        \"symbol\": \"\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"riskScore\": \"786\",\n                                    \"populationRank\": \"17\",\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"scoreName\": \"CIBILTransUnionScore3\"\n                                },\n                                \"Employer\": {\n                                    \"income\": \"1.0E7\",\n                                    \"serialNumber\": \"3500000000\",\n                                    \"IncomeFreqIndicator\": {\n                                        \"symbol\": \"M\",\n                                        \"description\": \"Monthly\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"NetGrossIndicator\": {\n                                        \"symbol\": \"N\",\n                                        \"description\": \"Net Income\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"dateReported\": \"2025-10-07+05:30\",\n                                    \"name\": \"\",\n                                    \"OccupationCode\": {\n                                        \"symbol\": \"01\",\n                                        \"description\": \"Salaried\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"partitionSet\": \"0\",\n                                    \"CreditAddress\": {\n                                        \"AddressType\": \"\",\n                                        \"StreetAddress\": \"\",\n                                        \"City\": \"\",\n                                        \"PostalCode\": \"\",\n                                        \"Region\": \"\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"account\": \"05\"\n                                },\n                                \"Gender\": \"Male\",\n                                \"CreditStatement\": {\n                                    \"StatementType\": {\n                                        \"symbol\": \"DISPUTE\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"statement\": \"\",\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"dateUpdated\": \"\"\n                                },\n                                \"EmailAddress\": [\n                                    {\n                                        \"serialNumber\": \"60000000\",\n                                        \"Email\": \"SAMPLE.USER1@EXAMPLE.COM\"\n                                    },\n                                    {\n                                        \"serialNumber\": \"60000001\",\n                                        \"Email\": \"SAMPLE.USER2@EXAMPLE.COM\"\n                                    }\n                                ],\n                                \"IdentifierPartition\": {\n                                    \"Identifier\": [\n                                        {\n                                            \"ID\": {\n                                                \"Id\": \"000000000\",\n                                                \"IdentifierName\": \"SocialId\"\n                                            },\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        },\n                                        {\n                                            \"ID\": {\n                                                \"SerialNumber\": \"1000000\",\n                                                \"Id\": \"ABCDE1234F\",\n                                                \"IdentifierName\": \"TaxId\"\n                                            },\n                                            \"enrichMode\": \"R\",\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        },\n                                        {\n                                            \"dateIssued\": \"2018-01-01+05:30\",\n                                            \"dateExpired\": \"2028-01-01+05:30\",\n                                            \"ID\": {\n                                                \"SerialNumber\": \"600000000\",\n                                                \"Id\": \"Z1234567\",\n                                                \"IdentifierName\": \"PassportId\"\n                                            },\n                                            \"enrichMode\": \"R\",\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        }\n                                    ]\n                                },\n                                \"BorrowerName\": {\n                                    \"Name\": {\n                                        \"Forename\": \"MR.   RAHUL KUMAR VERMA\"\n                                    },\n                                    \"partitionSet\": \"0\",\n                                    \"NameType\": {\n                                        \"symbol\": \"\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    }\n                                },\n                                \"BorrowerTelephone\": [\n                                    {\n                                        \"partitionSet\": \"0\",\n                                        \"PhoneNumber\": {\n                                            \"SerialNumber\": \"800000000\",\n                                            \"Number\": \"09999999999\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"PhoneType\": {\n                                            \"symbol\": \"00\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    {\n                                        \"partitionSet\": \"1\",\n                                        \"PhoneNumber\": {\n                                            \"SerialNumber\": \"80000000\",\n                                            \"Number\": \"9999999999\"\n                                        },\n                                        \"enrichMode\": \"U\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"PhoneType\": {\n                                            \"symbol\": \"01\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    }\n                                ]\n                            },\n                            \"SafetyCheckPassed\": true,\n                            \"Frozen\": \"\",\n                            \"Message\": {\n                                \"Code\": {\n                                    \"symbol\": \"\",\n                                    \"description\": \"\",\n                                    \"rank\": \"100000\",\n                                    \"abbreviation\": \"\"\n                                },\n                                \"text\": \"\",\n                                \"Type\": {\n                                    \"symbol\": \"ZZ\",\n                                    \"description\": \"\",\n                                    \"rank\": \"100000\",\n                                    \"abbreviation\": \"\"\n                                }\n                            },\n                            \"Sources\": {\n                                \"Source\": {\n                                    \"InquiryDate\": \"2026-01-02T10:57:32.000+05:30\",\n                                    \"Bureau\": {\n                                        \"symbol\": \"CIBIL\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"OriginalData\": 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                               }\n                            },\n                            \"DeceasedIndicator\": false,\n                            \"FraudIndicator\": false,\n                            \"TradeLinePartition\": [\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"05\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE LENDER 1\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"200000\",\n                                        \"dateOpened\": \"2025-04-21+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"91751\",\n                                        \"subscriberCode\": \"75800001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0001\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"3500000000\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2025-10-01+05:30\",\n                                                \"startDate\": \"2025-12-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2025-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-11-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-10-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,0,\"\n                                            },\n                                            \"EMIAmount\": \"-1\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"05\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"05\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"19203\",\n                                            \"termMonths\": \"-1\",\n                                            \"CreditLimit\": \"-1\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"-1\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2025-12-02+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"0\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateAccountStatus\": \"2025-12-02+05:30\"\n                                    }\n                                },\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"10\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE BANK A\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"33100\",\n                                        \"dateOpened\": \"2024-11-04+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"0\",\n                                        \"subscriberCode\": \"32900001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0002\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"3294205724\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2025-10-01+05:30\",\n                                                \"startDate\": \"2025-12-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2025-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-11-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-10-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,0,\"\n                                            },\n                                            \"EMIAmount\": \"-1\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"10\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"10\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"-1\",\n                                            \"termMonths\": \"-1\",\n                                            \"CreditLimit\": \"1272000\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"-1\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2025-06-26+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"1\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateAccountStatus\": \"2025-06-26+05:30\"\n                                    }\n                                },\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"02\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE BANK B\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"5432612\",\n                                        \"dateOpened\": \"2019-07-04+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"0\",\n                                        \"subscriberCode\": \"32900001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0003\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"1270468796\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2021-12-01+05:30\",\n                                                \"startDate\": \"2022-01-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2022-01-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2021-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,\"\n                                            },\n                                            \"EMIAmount\": \"48009\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"02\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"02\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"48009\",\n                                            \"termMonths\": \"210\",\n                                            \"CreditLimit\": \"-1\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"01\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"5432612\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2021-12-10+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"2\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateClosed\": \"2022-01-01+05:30\",\n                                        \"dateAccountStatus\": \"2021-12-10+05:30\"\n                                    }\n                                }\n                            ]\n                        },\n                        \"AssetId\": \"00000000000\",\n                        \"Type\": \"SingleCreditReport\"\n                    }\n                }\n            }\n        },\n        \"htmlUrl\": \"https://myscore.cibil.com/CreditView/webtokenasset.page?enterprise=SampleEnterprise&pcc=ABCDE1234F&webtoken=SAMPLE_WEBTOKEN_PLACEHOLDER\",\n        \"credit_report_link\": \"https://kyc-docs-storage.s3.ap-south-1.amazonaws.com/credit_reports/cibil/cibil_report_TXN-00000000-0000-0000-0000-000000000000.pdf?X-Amz-Signature=SAMPLE_SIGNATURE_PLACEHOLDER\"\n    }\n}"},{"id":"a2391834-c870-4d0a-b708-2c6b70449be7","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\n// ---------------------- 3 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n//  OR \n// ---------------------- 4 TOKEN ------------------------\n\n\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    }\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n//  OR \n// ---------------------- 6 TOKEN ------------------------\n{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"Amit\",\n      \"Surname\": \"Sharma\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"ABCDE1234F\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\n      \"City\": \"New Delhi\",\n      \"PostalCode\": 110001,\n      \"Region\": \"07\",\n      \"AddressType\": 1\n    },\n    \"DateOfBirth\": \"1995-05-20\",\n    \"PhoneNumber\": {\n      \"Number\": \"9876543210\"\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": true\n}\n\n\n\n\n\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil-pdf"},"status":"Bad Request","code":400,"_postman_previewlanguage":null,"header":[{"key":":status","value":400},{"key":"date","value":"Wed, 02 Sep 2026 07:06:31 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"112"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"70-4DprDiu3+eXZhI4+69VMYZNqZOs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Missing required field CustomerInfo.IdentificationNumber.Id\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"fd53fe4b-010d-4f11-b6a1-2c4f8f315160","name":"Express No Hit 422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil-pdf"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":":status","value":200},{"key":"date","value":"Mon, 17 Aug 2026 10:44:14 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"105885"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"19d9d-JkPlloagLqTQu7Uzm1H9ffxFqlU\""}],"cookie":[],"responseTime":null,"body":"{\n  \"data\": {\n    \"retry\": false,\n    \"message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n    \"clientKey\": \"ABCDE1234F\",\n    \"message_code\": \"NO_HIT\",\n    \"message_type\": \"Cibil Fulfill Failed\"\n  },\n  \"status\": \"error\",\n  \"timestamp\": \"2026-08-25T08:31:45.761Z\",\n  \"error_message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n  \"transaction_id\": \"TXN-PROD-c9be6fad-1dae-4224-bc5d-97090006728a\"\n}"},{"id":"815b2586-87da-47ad-ae8e-f71e0c61518f","name":"Auth Flow( 422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"// Please use the any one of the below format\r\n// ---------------------- 3 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n//  OR \r\n// ---------------------- 4 TOKEN ------------------------\r\n\r\n\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    }\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n//  OR \r\n// ---------------------- 6 TOKEN ------------------------\r\n{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"Amit\",\r\n      \"Surname\": \"Sharma\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"101 Sunshine Apartments, MG Road\",\r\n      \"City\": \"New Delhi\",\r\n      \"PostalCode\": 110001,\r\n      \"Region\": \"07\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"DateOfBirth\": \"1995-05-20\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": true\r\n}\r\n\r\n\r\n\r\n\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil-pdf"},"status":"OK","code":200,"_postman_previewlanguage":null,"header":[{"key":":status","value":200},{"key":"date","value":"Mon, 17 Aug 2026 10:44:14 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"105885"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"19d9d-JkPlloagLqTQu7Uzm1H9ffxFqlU\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-09-29T10:37:51.809Z\",\n    \"transaction_id\": \"TXN-PROD-1bb7d6e1-0355-4347-b962-674a5cdf2960\",\n    \"data\": {\n        \"message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\",\n        \"message_code\": \"cibil_iv_in_progress\",\n        \"message_type\": \"Cibil Auth Retry Failed\",\n        \"retry\": true,\n        \"clientKey\": \"EGPPA6890H\"\n    },\n    \"error_message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\"\n}"}],"_postman_id":"2aba49fc-ba2c-48bb-88e9-191f8f797ee7"},{"name":"CIBIL V2","id":"a072ece1-bec1-44cd-b923-790ca91496f1","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2","description":"<h2 id=\"cibil-v2-jsonhtml\">CIBIL V2 <strong>(JSON+HTML)</strong></h2>\n<p>The <strong>CIBIL Credit Report V2 API ( JSON + HTML)</strong> enables retrieval of an individual’s credit report and history by interacting with CIBIL’s scoring system. It verifies financial identity based on the provided KYC information and returns detailed credit insights.</p>\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Credit Risk Evaluation</strong> during onboarding</p>\n</li>\n<li><p><strong>Financial Profile Verification</strong></p>\n</li>\n<li><p><strong>Eligibility Assessment</strong> for loans or credit cards</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Production: <code>https://live.totalekyc.com/api/credit-report/individual/cibil/v2</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"firstName\": \"YOMAHESH\",\n    \"middleName\": \"\",\n    \"lastName\": \"SAGAR\",\n    \"mobileNumber\": \"63486948XX\"\n}\n\n</code></pre>\n<hr />\n<h2 id=\"request-parameters\">Request Parameters</h2>\n<p><strong>JSON</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>firstName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s first name</td>\n</tr>\n<tr>\n<td>middleName</td>\n<td>String</td>\n<td>No</td>\n<td>Individual’s middle name (can be empty)</td>\n</tr>\n<tr>\n<td>lastName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s last name</td>\n</tr>\n<tr>\n<td>mobileNumber</td>\n<td>String</td>\n<td>Yes</td>\n<td>Mobile number of the individual</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>No</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.htmlUrl</td>\n<td>String</td>\n<td>Secure CIBIL web URL to view the consumer credit report</td>\n</tr>\n<tr>\n<td>data.cibilData</td>\n<td>Object</td>\n<td>Raw CIBIL bureau response payload</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.ResponseStatus</td>\n<td>String</td>\n<td>Overall status returned by CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.ResponseKey</td>\n<td>String</td>\n<td>Unique response key generated by CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.AssetId</td>\n<td>String</td>\n<td>Unique asset ID for the generated credit report</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.Type</td>\n<td>String</td>\n<td>Type of asset generated (e.g., <code>SingleCreditReport</code>)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.Status</td>\n<td>String</td>\n<td>Credit report status (e.g., Active)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.CreationDate</td>\n<td>String</td>\n<td>Credit report creation timestamp</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.ExpirationDate</td>\n<td>String</td>\n<td>Credit report expiry timestamp</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.ReferenceKey</td>\n<td>String</td>\n<td>Bureau reference key for the credit report</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.currentversion</td>\n<td>String</td>\n<td>Credit report schema/version</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.borrowerKey</td>\n<td>String</td>\n<td>Unique borrower identifier at CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerName</td>\n<td>Object</td>\n<td>Borrower’s name details</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.Gender</td>\n<td>String</td>\n<td>Borrower gender</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.Birth</td>\n<td>Object</td>\n<td>Borrower date of birth information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerAddress[]</td>\n<td>Array</td>\n<td>List of addresses reported to CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerTelephone[]</td>\n<td>Array</td>\n<td>Phone numbers linked to the borrower</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.EmailAddress[]</td>\n<td>Array</td>\n<td>Email addresses linked to the borrower</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.IdentifierPartition.Identifier[]</td>\n<td>Array</td>\n<td>Identity identifiers (PAN, CKYC, etc.)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore</td>\n<td>Object</td>\n<td>Credit score details</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.riskScore</td>\n<td>String</td>\n<td>CIBIL credit score</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.scoreName</td>\n<td>String</td>\n<td>Name of the credit score model</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.CreditScoreFactor[]</td>\n<td>Array</td>\n<td>Factors impacting the credit score</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.TradeLinePartition</td>\n<td>Object</td>\n<td>Credit account (tradeline) information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.TradeLinePartition.Tradeline</td>\n<td>Object</td>\n<td>Detailed loan / credit card account data</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.InquiryPartition</td>\n<td>Object</td>\n<td>Credit inquiry information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.SafetyCheckPassed</td>\n<td>Boolean</td>\n<td>Indicates whether bureau safety checks passed</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.DeceasedIndicator</td>\n<td>Boolean</td>\n<td>Indicates deceased status as per bureau</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.FraudIndicator</td>\n<td>Boolean</td>\n<td>Indicates fraud flag from bureau</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>CIBIL V2 CREDIT REPORT</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>CIBIL report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Invalid Request</td>\n<td>Incorrect or missing request parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Express NO HIT Subject</td>\n<td>No Record Exists in the Bureau for the given Mobile Number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>1001001-NOHIT</td>\n<td>Customer does not have any credit history</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on the server</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Ensure the Bearer Token is valid and unexpired.</p>\n</li>\n<li><p>The <code>htmlUrl</code> link is <strong>single-use</strong> and must be opened only once.</p>\n</li>\n<li><p>Masked input values shown are for documentation only—submit actual unmasked data.</p>\n</li>\n<li><p>The API expects all fields required by CIBIL to be complete and accurate.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","cibil","v2"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"6594765b-7150-43bf-b02c-288561d2637f","name":"Successful (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 22 Dec 2025 06:38:13 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"22302"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"571e-zypAGR99koTCsKlFWcda3X6C6TU\""}],"cookie":[],"responseTime":null,"body":"{\n  \"timestamp\": \"2026-01-02T05:30:36.566Z\",\n  \"transaction_id\": \"TXN-PROD-8aa78905-a5f0-4ff7-be13-359c552483ad\",\n  \"status\": \"success\",\n    \"data\": {\n        \"message\": \"CIBIL Report generated successfully\",\n        \"cibilData\": {\n            \"GetCustomerAssetsResponse\": {\n                \"ResponseStatus\": \"Success\",\n                \"ResponseKey\": \"aaaaaaaaaaaaaaaa:-11111a11:11a1a11aaaa:0001\",\n                \"GetCustomerAssetsSuccess\": {\n                    \"Asset\": {\n                        \"Status\": \"Active\",\n                        \"SafetyCheckFailure\": false,\n                        \"ExpirationDate\": \"2028-01-02T10:57:33.234+05:30\",\n                        \"CreationDate\": \"2026-01-02T10:57:33.234+05:30\",\n                        \"TrueLinkCreditReport\": {\n                            \"ReferenceKey\": \"00000000000\",\n                            \"currentversion\": \"5.0\",\n                            \"Borrower\": {\n                                \"Birth\": {\n                                    \"date\": \"1985-03-15+05:30\",\n                                    \"partitionSet\": \"0\",\n                                    \"BirthDate\": {\n                                        \"month\": \"3\",\n                                        \"year\": \"1985\",\n                                        \"day\": \"15\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"age\": \"0\"\n                                },\n                                \"borrowerKey\": \"000000000\",\n                                \"BorrowerAddress\": [\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"03\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"0\",\n                                        \"dateReported\": \"2024-07-18+05:30\",\n                                        \"partitionSet\": \"0\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"3100000000\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"SAMPLE FINANCE SERVICES LLP, SAMPLE PLAZA\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"400001\",\n                                            \"Region\": \"24\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SAMPLE BANK\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    },\n                                    {\n                                        \"Dwelling\": {\n                                            \"symbol\": \"02\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Ownership\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"addressOrder\": \"1\",\n                                        \"dateReported\": \"2024-07-18+05:30\",\n                                        \"partitionSet\": \"1\",\n                                        \"CreditAddress\": {\n                                            \"SerialNumber\": \"3100000001\",\n                                            \"AddressType\": \"\",\n                                            \"StreetAddress\": \"X-000 SAMPLE SOCIETY NEAR SAMPLE CHOWK, SAMPLE AREA, SAMPLE CITY\",\n                                            \"City\": \"\",\n                                            \"PostalCode\": \"400001\",\n                                            \"Region\": \"24\"\n                                        },\n                                        \"Origin\": {\n                                            \"symbol\": \"SAMPLE BANK\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        }\n                                    }\n                                ],\n                                \"CreditScore\": {\n                                    \"CreditScoreModel\": {\n                                        \"symbol\": \"CIBILTUSC3\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"CreditScoreFactor\": [\n                                        {\n                                            \"bureauCode\": \"39\",\n                                            \"Factor\": {\n                                                \"symbol\": \"39\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"explain: Sample explanatory factor text describing how payment behavior affects the score.\",\n                                                \"factor: Sample factor summary text describing how payment behavior affects the score.\"\n                                            ]\n                                        },\n                                        {\n                                            \"bureauCode\": \"00\",\n                                            \"Factor\": {\n                                                \"symbol\": \"00\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"FactorText\": [\n                                                \"No Valid Factors\",\n                                                \"Sample placeholder text for unavailable adverse factors.\"\n                                            ]\n                                        }\n                                    ],\n                                    \"NoScoreReason\": {\n                                        \"symbol\": \"\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"riskScore\": \"786\",\n                                    \"populationRank\": \"17\",\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"scoreName\": \"CIBILTransUnionScore3\"\n                                },\n                                \"Employer\": {\n                                    \"income\": \"1.0E7\",\n                                    \"serialNumber\": \"3500000000\",\n                                    \"IncomeFreqIndicator\": {\n                                        \"symbol\": \"M\",\n                                        \"description\": \"Monthly\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"NetGrossIndicator\": {\n                                        \"symbol\": \"N\",\n                                        \"description\": \"Net Income\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"dateReported\": \"2025-10-07+05:30\",\n                                    \"name\": \"\",\n                                    \"OccupationCode\": {\n                                        \"symbol\": \"01\",\n                                        \"description\": \"Salaried\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"partitionSet\": \"0\",\n                                    \"CreditAddress\": {\n                                        \"AddressType\": \"\",\n                                        \"StreetAddress\": \"\",\n                                        \"City\": \"\",\n                                        \"PostalCode\": \"\",\n                                        \"Region\": \"\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"account\": \"05\"\n                                },\n                                \"Gender\": \"Male\",\n                                \"CreditStatement\": {\n                                    \"StatementType\": {\n                                        \"symbol\": \"DISPUTE\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"statement\": \"\",\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    \"dateUpdated\": \"\"\n                                },\n                                \"EmailAddress\": [\n                                    {\n                                        \"serialNumber\": \"60000000\",\n                                        \"Email\": \"SAMPLE.USER1@EXAMPLE.COM\"\n                                    },\n                                    {\n                                        \"serialNumber\": \"60000001\",\n                                        \"Email\": \"SAMPLE.USER2@EXAMPLE.COM\"\n                                    }\n                                ],\n                                \"IdentifierPartition\": {\n                                    \"Identifier\": [\n                                        {\n                                            \"ID\": {\n                                                \"Id\": \"000000000\",\n                                                \"IdentifierName\": \"SocialId\"\n                                            },\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        },\n                                        {\n                                            \"ID\": {\n                                                \"SerialNumber\": \"1000000\",\n                                                \"Id\": \"ABCDE1234F\",\n                                                \"IdentifierName\": \"TaxId\"\n                                            },\n                                            \"enrichMode\": \"R\",\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        },\n                                        {\n                                            \"dateIssued\": \"2018-01-01+05:30\",\n                                            \"dateExpired\": \"2028-01-01+05:30\",\n                                            \"ID\": {\n                                                \"SerialNumber\": \"600000000\",\n                                                \"Id\": \"Z1234567\",\n                                                \"IdentifierName\": \"PassportId\"\n                                            },\n                                            \"enrichMode\": \"R\",\n                                            \"Source\": {\n                                                \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                                \"InquiryDate\": \"2026-01-02+05:30\",\n                                                \"Locale\": \"en_IN\",\n                                                \"BorrowerKey\": \"000000000\",\n                                                \"Bureau\": {\n                                                    \"symbol\": \"CIBIL\",\n                                                    \"description\": \"\",\n                                                    \"rank\": \"100000\",\n                                                    \"abbreviation\": \"\"\n                                                }\n                                            }\n                                        }\n                                    ]\n                                },\n                                \"BorrowerName\": {\n                                    \"Name\": {\n                                        \"Forename\": \"MR.   RAHUL KUMAR VERMA\"\n                                    },\n                                    \"partitionSet\": \"0\",\n                                    \"NameType\": {\n                                        \"symbol\": \"\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"Source\": {\n                                        \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                        \"InquiryDate\": \"2026-01-02+05:30\",\n                                        \"Locale\": \"en_IN\",\n                                        \"BorrowerKey\": \"000000000\",\n                                        \"Bureau\": {\n                                            \"symbol\": \"CIBIL\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    }\n                                },\n                                \"BorrowerTelephone\": [\n                                    {\n                                        \"partitionSet\": \"0\",\n                                        \"PhoneNumber\": {\n                                            \"SerialNumber\": \"800000000\",\n                                            \"Number\": \"09999999999\"\n                                        },\n                                        \"enrichMode\": \"R\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"PhoneType\": {\n                                            \"symbol\": \"00\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    },\n                                    {\n                                        \"partitionSet\": \"1\",\n                                        \"PhoneNumber\": {\n                                            \"SerialNumber\": \"80000000\",\n                                            \"Number\": \"9999999999\"\n                                        },\n                                        \"enrichMode\": \"U\",\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"PhoneType\": {\n                                            \"symbol\": \"01\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        }\n                                    }\n                                ]\n                            },\n                            \"SafetyCheckPassed\": true,\n                            \"Frozen\": \"\",\n                            \"Message\": {\n                                \"Code\": {\n                                    \"symbol\": \"\",\n                                    \"description\": \"\",\n                                    \"rank\": \"100000\",\n                                    \"abbreviation\": \"\"\n                                },\n                                \"text\": \"\",\n                                \"Type\": {\n                                    \"symbol\": \"ZZ\",\n                                    \"description\": \"\",\n                                    \"rank\": \"100000\",\n                                    \"abbreviation\": \"\"\n                                }\n                            },\n                            \"Sources\": {\n                                \"Source\": {\n                                    \"InquiryDate\": \"2026-01-02T10:57:32.000+05:30\",\n                                    \"Bureau\": {\n                                        \"symbol\": \"CIBIL\",\n                                        \"description\": \"\",\n                                        \"rank\": \"100000\",\n                                        \"abbreviation\": \"\"\n                                    },\n                                    \"OriginalData\": 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                               }\n                            },\n                            \"DeceasedIndicator\": false,\n                            \"FraudIndicator\": false,\n                            \"TradeLinePartition\": [\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"05\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE LENDER 1\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"200000\",\n                                        \"dateOpened\": \"2025-04-21+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"91751\",\n                                        \"subscriberCode\": \"75800001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0001\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"3500000000\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2025-10-01+05:30\",\n                                                \"startDate\": \"2025-12-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2025-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-11-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-10-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,0,\"\n                                            },\n                                            \"EMIAmount\": \"-1\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"05\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"05\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"19203\",\n                                            \"termMonths\": \"-1\",\n                                            \"CreditLimit\": \"-1\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"-1\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2025-12-02+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"0\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateAccountStatus\": \"2025-12-02+05:30\"\n                                    }\n                                },\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"10\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE BANK A\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"33100\",\n                                        \"dateOpened\": \"2024-11-04+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"0\",\n                                        \"subscriberCode\": \"32900001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0002\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"3294205724\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2025-10-01+05:30\",\n                                                \"startDate\": \"2025-12-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2025-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-11-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2025-10-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,0,\"\n                                            },\n                                            \"EMIAmount\": \"-1\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"10\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"10\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"-1\",\n                                            \"termMonths\": \"-1\",\n                                            \"CreditLimit\": \"1272000\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"-1\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2025-06-26+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"1\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateAccountStatus\": \"2025-06-26+05:30\"\n                                    }\n                                },\n                                {\n                                    \"accountTypeAbbreviation\": \"\",\n                                    \"accountTypeDescription\": \"\",\n                                    \"accountTypeSymbol\": \"02\",\n                                    \"Tradeline\": {\n                                        \"DisputeFlag\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"creditorName\": \"SAMPLE BANK B\",\n                                        \"branch\": \"\",\n                                        \"highBalance\": \"5432612\",\n                                        \"dateOpened\": \"2019-07-04+05:30\",\n                                        \"dateReported\": \"2025-12-15+05:30\",\n                                        \"accountsSoldTo\": \"\",\n                                        \"bureau\": \"\",\n                                        \"writtenOffAmtTotal\": \"-1\",\n                                        \"PayStatus\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"currentBalance\": \"0\",\n                                        \"subscriberCode\": \"32900001\",\n                                        \"AccountDesignator\": {\n                                            \"symbol\": \"1\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"accountNumber\": \"SAMPLEACC0003\",\n                                        \"AccountCondition\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"Source\": {\n                                            \"Reference\": \"00000000-0000-0000-0000-000000000000\",\n                                            \"InquiryDate\": \"2026-01-02+05:30\",\n                                            \"Locale\": \"en_IN\",\n                                            \"BorrowerKey\": \"000000000\",\n                                            \"Bureau\": {\n                                                \"symbol\": \"CIBIL\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            }\n                                        },\n                                        \"IndustryCode\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"thirdPartyName\": \"\",\n                                        \"GrantedTrade\": {\n                                            \"interestRate\": \"-1.00\",\n                                            \"PaymentFrequency\": {\n                                                \"symbol\": \"03\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"serialNumber\": \"1270468796\",\n                                            \"PayStatusHistory\": {\n                                                \"endDate\": \"2021-12-01+05:30\",\n                                                \"startDate\": \"2022-01-01+05:30\",\n                                                \"MonthlyPayStatus\": [\n                                                    {\n                                                        \"date\": \"2022-01-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    },\n                                                    {\n                                                        \"date\": \"2021-12-01+05:30\",\n                                                        \"status\": \"0\"\n                                                    }\n                                                ],\n                                                \"status\": \"0,0,\"\n                                            },\n                                            \"EMIAmount\": \"48009\",\n                                            \"WorstPayStatus\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CashLimit\": \"-1\",\n                                            \"AccountType\": {\n                                                \"symbol\": \"02\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"CreditType\": {\n                                                \"symbol\": \"02\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"actualPaymentAmount\": \"48009\",\n                                            \"termMonths\": \"210\",\n                                            \"CreditLimit\": \"-1\",\n                                            \"CollateralType\": {\n                                                \"symbol\": \"01\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"amountPastDue\": \"0\",\n                                            \"collateral\": \"5432612\",\n                                            \"TermType\": {\n                                                \"symbol\": \"\",\n                                                \"description\": \"\",\n                                                \"rank\": \"100000\",\n                                                \"abbreviation\": \"\"\n                                            },\n                                            \"dateLastPayment\": \"2021-12-10+05:30\"\n                                        },\n                                        \"VerificationIndicator\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"noOfParticipants\": \"\",\n                                        \"OpenClosed\": {\n                                            \"symbol\": \"\",\n                                            \"description\": \"\",\n                                            \"rank\": \"100000\",\n                                            \"abbreviation\": \"\"\n                                        },\n                                        \"position\": \"2\",\n                                        \"settlementAmount\": \"-1\",\n                                        \"writtenOffPrincipal\": \"-1\",\n                                        \"dateClosed\": \"2022-01-01+05:30\",\n                                        \"dateAccountStatus\": \"2021-12-10+05:30\"\n                                    }\n                                }\n                            ]\n                        },\n                        \"AssetId\": \"00000000000\",\n                        \"Type\": \"SingleCreditReport\"\n                    }\n                }\n            }\n        },\n        \"htmlUrl\": \"https://myscore.cibil.com/CreditView/webtokenasset.page?enterprise=SampleEnterprise&pcc=ABCDE1234F&webtoken=SAMPLE_WEBTOKEN_PLACEHOLDER\",\n        \"credit_report_link\": \"https://kyc-docs-storage.s3.ap-south-1.amazonaws.com/credit_reports/cibil/cibil_report_TXN-00000000-0000-0000-0000-000000000000.pdf?X-Amz-Signature=SAMPLE_SIGNATURE_PLACEHOLDER\"\n    }"},{"id":"2545d51a-9c70-48c1-ac14-ea8def730c7a","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Shaam\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 22 Dec 2025 06:38:35 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"85"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"55-09LY1xmwNm9tcR2h3W74bSLkCbA\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Missing required field firstName\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"5393175d-be8e-44de-b0fd-17de29ccdbc4","name":"Express No Hit (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2"},"_postman_previewlanguage":null,"header":null,"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-09-29T10:58:08.924Z\",\n    \"transaction_id\": \"TXN-PROD-e0e50f09-1907-4f8f-b26f-68d9b6ed746b\",\n    \"data\": {\n        \"message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n        \"message_code\": \"NO_HIT\",\n        \"message_type\": \"Cibil Fulfill Failed\",\n        \"retry\": false,\n        \"clientKey\": \"FNB679F4CC5DB5C1BA4\"\n    },\n    \"error_message\": \"Bureau error:ERROR: Express NO HIT Subject\"\n}"}],"_postman_id":"a072ece1-bec1-44cd-b923-790ca91496f1"},{"name":"CIBIL V2 Combine","id":"6639d9f0-89ad-4edd-aeb3-a206d7b16474","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2/combine","description":"<h2 id=\"cibil-v2-combine-jsonhtmlpdf\"><strong>CIBIL V2 combine (JSON+HTML+PDF)</strong></h2>\n<p>The <strong>CIBIL V2 combine (JSON+HTML+PDF)</strong> enables retrieval of an individual’s credit report and history by interacting with CIBIL’s scoring system. It verifies financial identity based on the provided KYC information and returns detailed credit insights.</p>\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Credit Risk Evaluation</strong> during onboarding</p>\n</li>\n<li><p><strong>Financial Profile Verification</strong></p>\n</li>\n<li><p><strong>Eligibility Assessment</strong> for loans or credit cards</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Production: <code>https://live.totalekyc.com/api/credit-report/individual/cibil/v2</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"firstName\": \"YOMAHESH\",\n    \"middleName\": \"\",\n    \"lastName\": \"SAGAR\",\n    \"mobileNumber\": \"63486948XX\"\n}\n\n</code></pre>\n<hr />\n<h2 id=\"request-parameters\">Request Parameters</h2>\n<p><strong>JSON</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>firstName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s first name</td>\n</tr>\n<tr>\n<td>middleName</td>\n<td>String</td>\n<td>No</td>\n<td>Individual’s middle name (can be empty)</td>\n</tr>\n<tr>\n<td>lastName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s last name</td>\n</tr>\n<tr>\n<td>mobileNumber</td>\n<td>String</td>\n<td>Yes</td>\n<td>Mobile number of the individual</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>No</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.htmlUrl</td>\n<td>String</td>\n<td>Secure CIBIL web URL to view the consumer credit report</td>\n</tr>\n<tr>\n<td>credit_report_link</td>\n<td>String</td>\n<td>Custom detailed PDF credit report</td>\n</tr>\n<tr>\n<td>data.cibilData</td>\n<td>Object</td>\n<td>Raw CIBIL bureau response payload</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.ResponseStatus</td>\n<td>String</td>\n<td>Overall status returned by CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.ResponseKey</td>\n<td>String</td>\n<td>Unique response key generated by CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.AssetId</td>\n<td>String</td>\n<td>Unique asset ID for the generated credit report</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.Type</td>\n<td>String</td>\n<td>Type of asset generated (e.g., <code>SingleCreditReport</code>)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.Status</td>\n<td>String</td>\n<td>Credit report status (e.g., Active)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.CreationDate</td>\n<td>String</td>\n<td>Credit report creation timestamp</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.ExpirationDate</td>\n<td>String</td>\n<td>Credit report expiry timestamp</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.ReferenceKey</td>\n<td>String</td>\n<td>Bureau reference key for the credit report</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.currentversion</td>\n<td>String</td>\n<td>Credit report schema/version</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.borrowerKey</td>\n<td>String</td>\n<td>Unique borrower identifier at CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerName</td>\n<td>Object</td>\n<td>Borrower’s name details</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.Gender</td>\n<td>String</td>\n<td>Borrower gender</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.Birth</td>\n<td>Object</td>\n<td>Borrower date of birth information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerAddress[]</td>\n<td>Array</td>\n<td>List of addresses reported to CIBIL</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.BorrowerTelephone[]</td>\n<td>Array</td>\n<td>Phone numbers linked to the borrower</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.EmailAddress[]</td>\n<td>Array</td>\n<td>Email addresses linked to the borrower</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.IdentifierPartition.Identifier[]</td>\n<td>Array</td>\n<td>Identity identifiers (PAN, CKYC, etc.)</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore</td>\n<td>Object</td>\n<td>Credit score details</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.riskScore</td>\n<td>String</td>\n<td>CIBIL credit score</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.scoreName</td>\n<td>String</td>\n<td>Name of the credit score model</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.Borrower.CreditScore.CreditScoreFactor[]</td>\n<td>Array</td>\n<td>Factors impacting the credit score</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.TradeLinePartition</td>\n<td>Object</td>\n<td>Credit account (tradeline) information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.TradeLinePartition.Tradeline</td>\n<td>Object</td>\n<td>Detailed loan / credit card account data</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.InquiryPartition</td>\n<td>Object</td>\n<td>Credit inquiry information</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.TrueLinkCreditReport.SafetyCheckPassed</td>\n<td>Boolean</td>\n<td>Indicates whether bureau safety checks passed</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.DeceasedIndicator</td>\n<td>Boolean</td>\n<td>Indicates deceased status as per bureau</td>\n</tr>\n<tr>\n<td>data.cibilData.GetCustomerAssetsResponse.GetCustomerAssetsSuccess.Asset.FraudIndicator</td>\n<td>Boolean</td>\n<td>Indicates fraud flag from bureau</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>CIBIL V2 Combine</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>CIBIL report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Invalid Request</td>\n<td>Incorrect or missing request parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Express NO HIT Subject</td>\n<td>No Record Exists in the Bureau for the given Mobile Number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>1001001-NOHIT</td>\n<td>Customer does not have any credit history</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on the server</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Ensure the Bearer Token is valid and unexpired.</p>\n</li>\n<li><p>The <code>htmlUrl</code> link is <strong>single-use</strong> and must be opened only once.</p>\n</li>\n<li><p>Masked input values shown are for documentation only—submit actual unmasked data.</p>\n</li>\n<li><p>The API expects all fields required by CIBIL to be complete and accurate.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","cibil","v2","combine"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"05b110e9-0810-481a-83ef-d2dadce0ea06","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2/combine"},"_postman_previewlanguage":null,"header":null,"cookie":[],"responseTime":null,"body":null},{"id":"9ab2e9b6-ef35-48cb-bbae-8dbae0d97c6f","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2/combine"},"_postman_previewlanguage":null,"header":null,"cookie":[],"responseTime":null,"body":null},{"id":"669fd6dd-6081-4aec-a107-637c6e064fdc","name":"Express No Hit (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amit\",\n    \"middleName\": \"\",\n    \"lastName\": \"Grover\",\n    \"mobileNumber\": \"999999XXXX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/v2/combine"},"_postman_previewlanguage":null,"header":null,"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-09-29T10:58:08.924Z\",\n    \"transaction_id\": \"TXN-PROD-e0e50f09-1907-4f8f-b26f-68d9b6ed746b\",\n    \"data\": {\n        \"message\": \"Bureau error:ERROR: Express NO HIT Subject\",\n        \"message_code\": \"NO_HIT\",\n        \"message_type\": \"Cibil Fulfill Failed\",\n        \"retry\": false,\n        \"clientKey\": \"FNB679F4CC5DB5C1BA4\"\n    },\n    \"error_message\": \"Bureau error:ERROR: Express NO HIT Subject\"\n}"}],"_postman_id":"6639d9f0-89ad-4edd-aeb3-a206d7b16474"}],"id":"aaa55675-655f-4a62-a114-07da551d8680","description":"<h2 id=\"cibil-services\">CIBIL Services</h2>\n<p>This folder contains CIBIL Credit Report services categorized based on the number of authentication tokens required.</p>\n<ul>\n<li><p><strong>2 Token Services:</strong> CIBIL V2 &amp; CIBIL V2 Combine</p>\n</li>\n<li><p><strong>3 Token Services:</strong> CIBIL V1 &amp; CIBIL V1 Combine</p>\n</li>\n<li><p><strong>4 Token Services:</strong> CIBIL V1 &amp; CIBIL V1 Combine</p>\n</li>\n<li><p><strong>6 Token Services:</strong> CIBIL V1 &amp; CIBIL V1 Combine</p>\n</li>\n</ul>\n<p><strong>Service Mapping:</strong></p>\n<ul>\n<li><p><strong>CIBIL V1:</strong> 3, 4 &amp; 6 Token services</p>\n</li>\n<li><p><strong>CIBIL V2:</strong> 2 Token services</p>\n</li>\n</ul>\n","_postman_id":"aaa55675-655f-4a62-a114-07da551d8680","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","name":"CIBIL  Credit Report","type":"folder"}}},{"name":"CIBIL Auth Flow","item":[{"name":"Get Cibil Report","id":"11419756-b598-40da-9656-6cb766cba4a2","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"John\",\r\n      \"Surname\": \"Doe\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"1234 Park Street, Green Valley\",\r\n      \"City\": \"Mumbai\",\r\n      \"PostalCode\": 400001,\r\n      \"Region\": \"27\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"EmailID\": \"johndoe@example.com\",\r\n    \"DateOfBirth\": \"1990-01-15\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": \"true\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil","description":"<h2 id=\"1fetch-individual-cibil-credit-report\">1.Fetch Individual CIBIL Credit Report</h2>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://uat.totalekyc.com/api/credit-report/individual/cibil\n\n</code></pre><p><strong>Headers</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR BEARER TOKEN</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n<tr>\n<td>base_url</td>\n<td><a href=\"https://uat.totalekyc.com\">https://uat.totalekyc.com</a></td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Sample Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"AMAN\",\n      \"Surname\": \"SHARMA\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"CGXXR91XXD\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"ROOM NO-1 MATUNGA NIWAS PAGALPURA BLDG\",\n      \"City\": \"PUNE\",\n      \"PostalCode\": 403121,\n      \"Region\": 27,\n      \"AddressType\": 1\n    },\n    \"EmailID\": \"AMANSHARMA101@GMAIL.COM\",\n    \"DateOfBirth\": \"1985-03-01\",\n    \"PhoneNumber\": {\n      \"Number\": 8345623713\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": \"true\"\n}\n\n</code></pre>\n<p><strong>Behavior</strong></p>\n<ul>\n<li><p>✅ If mobile/email matches with CIBIL records → Report is fetched.</p>\n</li>\n<li><p>⚠️ If mismatch/new mobile/email → CIBIL requires <strong>authentication questions</strong> → proceed to Step 2.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","cibil"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"ac00a623-2eb2-488c-b5f6-9034f7d1ee1d","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"John\",\r\n      \"Surname\": \"Doe\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"1234 Park Street, Green Valley\",\r\n      \"City\": \"Mumbai\",\r\n      \"PostalCode\": 400001,\r\n      \"Region\": \"27\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"EmailID\": \"johndoe@example.com\",\r\n    \"DateOfBirth\": \"1990-01-15\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": \"true\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 06 May 2025 05:38:55 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"143826"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"231d2-qjgg4IA9EeizPb+6cH7mIUa+t1A\""}],"cookie":[],"responseTime":null,"body":"{\n  \"timestamp\": \"2025-08-20T10:28:26.162Z\",\n  \"transaction_id\": \"TXN-aa0202bc-39db-4fe4-8d82-ff5919d77af4\",\n  \"status\": \"success\",\n  \"data\": {\n    \"htmlUrl\": \"https://myscore.cibil.com/CreditView/webtokenasset.page?enterprise=JunoonCapita&pcc=yogesh806691&webtoken=7Bz8g48PpDUyLK1KZ0d3Osut-jyuOVFTwMwq-z1JXb7GK7IA0_tKNA4NdhOctrO-UXKPEiQxFmCk6rqH9QuqLQ\",\n    \"cibilData\": {\n      \"GetCustomerAssetsResponse\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"08ec5707a01e2bcb:-16824045:198c6ff7ec8:-457f\",\n        \"GetCustomerAssetsSuccess\": {\n          \"Asset\": {\n            \"Status\": \"Active\",\n            \"SafetyCheckFailure\": false,\n            \"ExpirationDate\": \"2027-08-20T15:58:24.309+05:30\",\n            \"CreationDate\": \"2025-08-20T15:58:24.309+05:30\",\n            \"TrueLinkCreditReport\": {\n              \"ReferenceKey\": \"9490873261\",\n              \"currentversion\": \"5.0\",\n              \"Borrower\": {\n                \"Birth\": {\n                  \"date\": \"2003-07-12+05:30\",\n                  \"partitionSet\": \"0\",\n                  \"BirthDate\": {\n                    \"month\": \"7\",\n                    \"year\": \"2003\",\n                    \"day\": \"12\"\n                  },\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"age\": \"0\"\n                },\n                \"borrowerKey\": \"5295424570\",\n                \"BorrowerAddress\": [\n                  {\n                    \"Dwelling\": {\n                      \"symbol\": \"04\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"Ownership\": {\n                      \"symbol\": \"\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"addressOrder\": \"0\",\n                    \"dateReported\": \"2022-12-31+05:30\",\n                    \"partitionSet\": \"0\",\n                    \"CreditAddress\": {\n                      \"SerialNumber\": \"1718365393\",\n                      \"AddressType\": \"\",\n                      \"StreetAddress\": \"AONE UNIVERSITY VILLAGE JHANSI BARNALA RA\",\n                      \"City\": \"\",\n                      \"PostalCode\": \"140490\",\n                      \"Region\": \"04\"\n                    },\n                    \"Origin\": {\n                      \"symbol\": \"SBMBKINDIA\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"enrichMode\": \"R\",\n                    \"Source\": {\n                      \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                      \"InquiryDate\": \"2025-08-20+05:30\",\n                      \"Locale\": \"en_IN\",\n                      \"BorrowerKey\": \"5295424570\",\n                      \"Bureau\": {\n                        \"symbol\": \"CIBIL\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      }\n                    }\n                  },\n                  {\n                    \"Dwelling\": {\n                      \"symbol\": \"02\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"Ownership\": {\n                      \"symbol\": \"02\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"addressOrder\": \"1\",\n                    \"dateReported\": \"2022-04-30+05:30\",\n                    \"partitionSet\": \"1\",\n                    \"CreditAddress\": {\n                      \"SerialNumber\": \"1584411184\",\n                      \"AddressType\": \"\",\n                      \"StreetAddress\": \"VA SHAM KUMAR YADAV WARD NO 09 JAIPUR RAJASTHAN\",\n                      \"City\": \"\",\n                      \"PostalCode\": \"335803\",\n                      \"Region\": \"08\"\n                    },\n                    \"Origin\": {\n                      \"symbol\": \"EQUITASSFB\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"enrichMode\": \"R\",\n                    \"Source\": {\n                      \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                      \"InquiryDate\": \"2025-08-20+05:30\",\n                      \"Locale\": \"en_IN\",\n                      \"BorrowerKey\": \"5295424570\",\n                      \"Bureau\": {\n                        \"symbol\": \"CIBIL\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      }\n                    }\n                  },\n                  {\n                    \"Dwelling\": {\n                      \"symbol\": \"01\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"Ownership\": {\n                      \"symbol\": \"01\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"addressOrder\": \"2\",\n                    \"dateReported\": \"2022-04-30+05:30\",\n                    \"partitionSet\": \"2\",\n                    \"CreditAddress\": {\n                      \"SerialNumber\": \"1584411183\",\n                      \"AddressType\": \"\",\n                      \"StreetAddress\": \"VC SHAM KUMAR SHARMA WARD NO. 09 JAIPUR PILIBANGA\",\n                      \"City\": \"\",\n                      \"PostalCode\": \"335803\",\n                      \"Region\": \"08\"\n                    },\n                    \"Origin\": {\n                      \"symbol\": \"EQUITASSFB\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"enrichMode\": \"R\",\n                    \"Source\": {\n                      \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                      \"InquiryDate\": \"2025-08-20+05:30\",\n                      \"Locale\": \"en_IN\",\n                      \"BorrowerKey\": \"5295424570\",\n                      \"Bureau\": {\n                        \"symbol\": \"CIBIL\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      }\n                    }\n                  }\n                ],\n                \"CreditScore\": {\n                  \"CreditScoreModel\": {\n                    \"symbol\": \"CIBILTUSC3\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"CreditScoreFactor\": [\n                    {\n                      \"bureauCode\": \"39\",\n                      \"Factor\": {\n                        \"symbol\": \"39\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      },\n                      \"FactorText\": [\n                        \"explain: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\",\n                        \"factor: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\"\n                      ]\n                    },\n                    {\n                      \"bureauCode\": \"41\",\n                      \"Factor\": {\n                        \"symbol\": \"41\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      },\n                      \"FactorText\": [\n                        \"explain: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\",\n                        \"factor: Your CIBIL Score is not only dependent on your timely payments towards loans/credit cards that have been availed but also the amount that has been paid. E.g. If you have a high credit utilization on a credit card and are making monthly minimum payments by the due date, this will not affect your payment history. However, this will impact your CIBIL Score as the minimum payments made is low in comparison to the actual amount payable. You can maintain your CIBIL Score by making timely payments every time, as well as ensuring you are paying off the balances on the loans/credit cards. Paying more than the minimum due will help bring down the total outstanding on the accounts.\"\n                      ]\n                    },\n                    {\n                      \"bureauCode\": \"25\",\n                      \"Factor\": {\n                        \"symbol\": \"25\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      },\n                      \"FactorText\": [\n                        \"explain: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\",\n                        \"factor: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\"\n                      ]\n                    },\n                    {\n                      \"bureauCode\": \"36\",\n                      \"Factor\": {\n                        \"symbol\": \"36\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      },\n                      \"FactorText\": [\n                        \"explain: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\",\n                        \"factor: One of the factors your CIBIL Score depends on is the number of active loan/credit card accounts reported in the last 36 months that carry a current balance. A high balance on such active accounts will impact your CIBIL Score. Paying off the balances on the loan and credit card accounts as well as not having too many open lines of credit with current balances will help maintain your CIBIL Score.\"\n                      ]\n                    },\n                    {\n                      \"bureauCode\": \"40\",\n                      \"Factor\": {\n                        \"symbol\": \"40\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      },\n                      \"FactorText\": [\n                        \"explain: One of the factors your CIBIL Score depends on is the current balance on your credit cards in comparison to the credit limit. In other words if you have multiple credit cards with a balance that is close to the credit limit/ high credit, it is likely that your CIBIL Score will be impacted. Ensure you do not accumulate huge balances on your card and if you do, always try and pay off the balances on your card to avoid reaching the credit limit.\",\n                        \"factor: One of the factors your CIBIL Score depends on is the current balance on your credit cards in comparison to the credit limit. In other words if you have multiple credit cards with a balance that is close to the credit limit/ high credit, it is likely that your CIBIL Score will be impacted. Ensure you do not accumulate huge balances on your card and if you do, always try and pay off the balances on your card to avoid reaching the credit limit.\"\n                      ]\n                    }\n                  ],\n                  \"NoScoreReason\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"riskScore\": \"785\",\n                  \"populationRank\": \"17\",\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"scoreName\": \"CIBILTransUnionScore3\"\n                },\n                \"Gender\": \"Male\",\n                \"CreditStatement\": {\n                  \"StatementType\": {\n                    \"symbol\": \"DISPUTE\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"statement\": \"\",\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"dateUpdated\": \"\"\n                },\n                \"EmailAddress\": [\n                  {\n                    \"serialNumber\": \"503252062\",\n                    \"Email\": \"MANISH.SHARMA921@GMAIL.COM\"\n                  },\n                  {\n                    \"serialNumber\": \"202638577\",\n                    \"Email\": \"MANISH.SHARMA921@GMAIL.COM\"\n                  }\n                ],\n                \"IdentifierPartition\": {\n                  \"Identifier\": [\n                    {\n                      \"ID\": {\n                        \"Id\": \"5295424570\",\n                        \"IdentifierName\": \"SocialId\"\n                      },\n                      \"Source\": {\n                        \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                        \"InquiryDate\": \"2025-08-20+05:30\",\n                        \"Locale\": \"en_IN\",\n                        \"BorrowerKey\": \"5295424570\",\n                        \"Bureau\": {\n                          \"symbol\": \"CIBIL\",\n                          \"description\": \"\",\n                          \"rank\": \"100000\",\n                          \"abbreviation\": \"\"\n                        }\n                      }\n                    },\n                    {\n                      \"ID\": {\n                        \"SerialNumber\": \"824800254\",\n                        \"Id\": \"HESPD8287M\",\n                        \"IdentifierName\": \"TaxId\"\n                      },\n                      \"enrichMode\": \"R\",\n                      \"Source\": {\n                        \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                        \"InquiryDate\": \"2025-08-20+05:30\",\n                        \"Locale\": \"en_IN\",\n                        \"BorrowerKey\": \"5295424570\",\n                        \"Bureau\": {\n                          \"symbol\": \"CIBIL\",\n                          \"description\": \"\",\n                          \"rank\": \"100000\",\n                          \"abbreviation\": \"\"\n                        }\n                      }\n                    },\n                    {\n                      \"ID\": {\n                        \"SerialNumber\": \"1047516569\",\n                        \"Id\": \"10090151823471\",\n                        \"IdentifierName\": \"CkycId\"\n                      },\n                      \"enrichMode\": \"R\",\n                      \"Source\": {\n                        \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                        \"InquiryDate\": \"2025-08-20+05:30\",\n                        \"Locale\": \"en_IN\",\n                        \"BorrowerKey\": \"5295424570\",\n                        \"Bureau\": {\n                          \"symbol\": \"CIBIL\",\n                          \"description\": \"\",\n                          \"rank\": \"100000\",\n                          \"abbreviation\": \"\"\n                        }\n                      }\n                    }\n                  ]\n                },\n                \"BorrowerName\": {\n                  \"Name\": {\n                    \"Surname\": \"SHAAM SHARMA\",\n                    \"Forename\": \"MANISH\"\n                  },\n                  \"partitionSet\": \"0\",\n                  \"NameType\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  }\n                },\n                \"BorrowerTelephone\": [\n                  {\n                    \"partitionSet\": \"0\",\n                    \"PhoneNumber\": {\n                      \"SerialNumber\": \"2103439457\",\n                      \"Number\": \"6378194921\"\n                    },\n                    \"enrichMode\": \"R\",\n                    \"Source\": {\n                      \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                      \"InquiryDate\": \"2025-08-20+05:30\",\n                      \"Locale\": \"en_IN\",\n                      \"BorrowerKey\": \"5295424570\",\n                      \"Bureau\": {\n                        \"symbol\": \"CIBIL\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      }\n                    },\n                    \"PhoneType\": {\n                      \"symbol\": \"01\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  {\n                    \"partitionSet\": \"1\",\n                    \"PhoneNumber\": {\n                      \"SerialNumber\": \"1450799002\",\n                      \"Number\": \"6378194921\"\n                    },\n                    \"enrichMode\": \"R\",\n                    \"Source\": {\n                      \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                      \"InquiryDate\": \"2025-08-20+05:30\",\n                      \"Locale\": \"en_IN\",\n                      \"BorrowerKey\": \"5295424570\",\n                      \"Bureau\": {\n                        \"symbol\": \"CIBIL\",\n                        \"description\": \"\",\n                        \"rank\": \"100000\",\n                        \"abbreviation\": \"\"\n                      }\n                    },\n                    \"PhoneType\": {\n                      \"symbol\": \"00\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  }\n                ]\n              },\n              \"SafetyCheckPassed\": true,\n              \"Frozen\": \"\",\n              \"Message\": {\n                \"Code\": {\n                  \"symbol\": \"\",\n                  \"description\": \"\",\n                  \"rank\": \"100000\",\n                  \"abbreviation\": \"\"\n                },\n                \"text\": \"\",\n                \"Type\": {\n                  \"symbol\": \"ZZ\",\n                  \"description\": \"\",\n                  \"rank\": \"100000\",\n                  \"abbreviation\": \"\"\n                }\n              },\n              \"Sources\": {\n                \"Source\": {\n                  \"InquiryDate\": \"2025-08-20T15:58:23.000+05:30\",\n                  \"Bureau\": {\n                    \"symbol\": \"CIBIL\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"OriginalData\": 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1wbG95bWVudCI6ewogICAgICB9LAogICAgICAic2NvcmUiOiJTQzEwQ0lCSUxUVVNDMzAxMDIwODAyMDIxMDAzMDgyMDA4MjAyNTA0MDUwMDc4NTA1MDIwMDA2MDIwMDA3MDIwMDA4MDIwMDA5MDIwMDEwMDIwMDExMDIwMDEzMDIwMDE0MDIwMDI1MDIzOTI2MDI0MTI3MDIyNTI4MDIzNjI5MDI0MDc1MDUwMDAwMDkwMTA5NDkwODczMjYxIgogICAgfV0sCiAgICAiZXJyb3IiOltdCiAgfQp9\"\n                }\n              },\n              \"DeceasedIndicator\": false,\n              \"FraudIndicator\": false,\n              \"TradeLinePartition\": {\n                \"accountTypeAbbreviation\": \"\",\n                \"accountTypeDescription\": \"\",\n                \"accountTypeSymbol\": \"31\",\n                \"Tradeline\": {\n                  \"DisputeFlag\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"creditorName\": \"SBMBKINDIA\",\n                  \"branch\": \"\",\n                  \"highBalance\": \"4000\",\n                  \"dateOpened\": \"2022-12-22+05:30\",\n                  \"dateReported\": \"2025-07-31+05:30\",\n                  \"accountsSoldTo\": \"\",\n                  \"bureau\": \"\",\n                  \"writtenOffAmtTotal\": \"-1\",\n                  \"PayStatus\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"currentBalance\": \"2275\",\n                  \"subscriberCode\": \"2280001\",\n                  \"AccountDesignator\": {\n                    \"symbol\": \"1\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"dateAccountStatus\": \"2025-07-27+05:30\",\n                  \"accountNumber\": \"2997975115536270791\",\n                  \"AccountCondition\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"IndustryCode\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"thirdPartyName\": \"\",\n                  \"GrantedTrade\": {\n                    \"interestRate\": \"-1.00\",\n                    \"PaymentFrequency\": {\n                      \"symbol\": \"02\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"serialNumber\": \"2376011082\",\n                    \"PayStatusHistory\": {\n                      \"endDate\": \"2022-12-01+05:30\",\n                      \"startDate\": \"2025-07-01+05:30\",\n                      \"MonthlyPayStatus\": [\n                        {\n                          \"date\": \"2025-07-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-06-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-05-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-04-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-03-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-02-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2025-01-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-12-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-11-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-10-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-09-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-08-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-07-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-06-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-05-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-04-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-03-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-02-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2024-01-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-12-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-11-01+05:30\",\n                          \"status\": \"XXX\"\n                        },\n                        {\n                          \"date\": \"2023-10-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-09-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-08-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-07-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-06-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-05-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-04-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-03-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-02-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2023-01-01+05:30\",\n                          \"status\": \"0\"\n                        },\n                        {\n                          \"date\": \"2022-12-01+05:30\",\n                          \"status\": \"0\"\n                        }\n                      ],\n                      \"status\": \"0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,XXX,0,0,0,0,0,0,0,0,0,0,0,\"\n                    },\n                    \"EMIAmount\": \"-1\",\n                    \"WorstPayStatus\": {\n                      \"symbol\": \"\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"CashLimit\": \"-1\",\n                    \"dateLastPayment\": \"2025-07-27+05:30\",\n                    \"AccountType\": {\n                      \"symbol\": \"31\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"CreditType\": {\n                      \"symbol\": \"31\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"actualPaymentAmount\": \"-1\",\n                    \"termMonths\": \"-1\",\n                    \"CreditLimit\": \"4000\",\n                    \"CollateralType\": {\n                      \"symbol\": \"04\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    },\n                    \"amountPastDue\": \"0\",\n                    \"collateral\": \"4000\",\n                    \"TermType\": {\n                      \"symbol\": \"\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"VerificationIndicator\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"noOfParticipants\": \"\",\n                  \"OpenClosed\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"position\": \"0\",\n                  \"settlementAmount\": \"-1\",\n                  \"writtenOffPrincipal\": \"-1\"\n                }\n              },\n              \"InquiryPartition\": {\n                \"Inquiry\": {\n                  \"amount\": \"10000\",\n                  \"IndustryCode\": {\n                    \"symbol\": \"\",\n                    \"description\": \"\",\n                    \"rank\": \"100000\",\n                    \"abbreviation\": \"\"\n                  },\n                  \"inquiryType\": \"10\",\n                  \"subscriberName\": \"SBI CARD\",\n                  \"enqControlNum\": \"7853188738\",\n                  \"description\": \"\",\n                  \"subscriberNumber\": \"\",\n                  \"bureau\": \"\",\n                  \"Source\": {\n                    \"Reference\": \"bbe287d9-e8a0-4621-825f-899d1b6566bc\",\n                    \"InquiryDate\": \"2025-08-20+05:30\",\n                    \"Locale\": \"en_IN\",\n                    \"BorrowerKey\": \"5295424570\",\n                    \"Bureau\": {\n                      \"symbol\": \"CIBIL\",\n                      \"description\": \"\",\n                      \"rank\": \"100000\",\n                      \"abbreviation\": \"\"\n                    }\n                  },\n                  \"inquiryDate\": \"2024-07-20+05:30\"\n                }\n              }\n            },\n            \"AssetId\": \"21900755955\",\n            \"Type\": \"SingleCreditReport\"\n          }\n        }\n      }\n    }\n  }\n}"},{"id":"65862665-b9e4-4912-8767-7bd3c631b92a","name":"Auth Failed (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"CustomerInfo\": {\r\n    \"Name\": {\r\n      \"Forename\": \"John\",\r\n      \"Surname\": \"Doe\"\r\n    },\r\n    \"IdentificationNumber\": {\r\n      \"IdentifierName\": \"TaxId\",\r\n      \"Id\": \"ABCDE1234F\"\r\n    },\r\n    \"Address\": {\r\n      \"StreetAddress\": \"1234 Park Street, Green Valley\",\r\n      \"City\": \"Mumbai\",\r\n      \"PostalCode\": 400001,\r\n      \"Region\": \"27\",\r\n      \"AddressType\": 1\r\n    },\r\n    \"EmailID\": \"johndoe@example.com\",\r\n    \"DateOfBirth\": \"1990-01-15\",\r\n    \"PhoneNumber\": {\r\n      \"Number\": \"9876543210\"\r\n    },\r\n    \"Gender\": \"Male\"\r\n  },\r\n  \"LegalCopyStatus\": \"Accept\",\r\n  \"UserConsentForDataSharing\": \"true\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil"},"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-08-20T10:46:15.840Z\",\n    \"transaction_id\": \"TXN-0f6edce2-de81-4577-8731-42baadc14c2d\",\n    \"data\": {\n        \"message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\",\n        \"message_code\": \"cibil_iv_in_progress\",\n        \"message_type\": \"Cibil Auth Retry Failed\",\n        \"retry\": true,\n        \"clientKey\": \"shaam806691\"\n    },\n    \"error_message\": \"Identity verification is pending, Please Proceed to Customer Auth Flow\"\n}"}],"_postman_id":"11419756-b598-40da-9656-6cb766cba4a2"},{"name":"Get Auth Question","id":"e431e31c-7e30-4b22-b691-456f9ee7a7b9","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"{{cibilClientId}}\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/auth-question","description":"<h2 id=\"2-get-authentication-questions-kba\">2. Get Authentication Questions (KBA)</h2>\n<p>If Step 1 requires authentication, use this API to fetch the <strong>Alternate Contact Details</strong> and/or <strong>Knowledge-Based Authentication (KBA) questions</strong>.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://uat.totalekyc.com/api/credit-report/individual/cibil/auth-question\n\n</code></pre><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\"\n}\n\n</code></pre>\n<p><strong>Sample Response for Alternate Contact Details</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"timestamp\": \"2025-08-19T07:32:09.902Z\",\n    \"transaction_id\": \"TXN-3989b9f7-4fab-45d9-91cc-378ea5125328\",\n    \"status\": \"success\",\n    \"data\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"52dcc921976b66d7:-6d9ea26c:198c12f0f62:1afc\",\n        \"GetAuthenticationQuestionsSuccess\": {\n            \"ChallengeConfigGUID\": \"1724705927\",\n            \"question\": {\n                \"AnswerChoice\": {\n                    \"Key\": \"USER_TO_INPUT_ANSWER\",\n                    \"AnswerChoiceId\": \"8064002393\"\n                },\n                \"resendEligible\": false,\n                \"LastChanceQuestion\": false,\n                \"skipEligible\": true,\n                \"FullQuestionText\": \"Enter the alternative mobile number\",\n                \"Key\": \"28XX784271\"\n            },\n            \"QueueName\": \"OTP_AlternateEmail_Entry_Queue\"\n        }\n    }\n}\n\n</code></pre>\n<hr />\n<p><strong>Sample Response for Knowledge Based Question (KBA)</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"status\": \"success\",\n  \"data\": {\n    \"ResponseStatus\": \"Success\",\n    \"ResponseKey\": \"c4610b1d93f2806a:7abb89e5:198c1402442:-3072\",\n    \"GetAuthenticationQuestionsSuccess\": {\n      \"ChallengeConfigGUID\": \"1724763723\",\n      \"question\": [\n        {\n          \"FullQuestionText\": \"Select the lender who has sanctioned the highest loan amount to you.\",\n          \"Key\": \"2808882689\",\n          \"AnswerChoice\": [\n            { \"AnswerChoiceText\": \"Icici Bank\", \"AnswerChoiceId\": \"8064296887\" },\n            { \"AnswerChoiceText\": \"Karur Vysya\", \"AnswerChoiceId\": \"8064296889\" },\n            { \"AnswerChoiceText\": \"None of the Above\", \"AnswerChoiceId\": \"8064296895\" }\n          ]\n        },\n        {\n          \"FullQuestionText\": \"Please select the last 5 digits of the PAN card number which belongs to you.\",\n          \"Key\": \"2808882697\",\n          \"AnswerChoice\": [\n            { \"AnswerChoiceText\": \"3780o\", \"AnswerChoiceId\": \"8064296919\" },\n            { \"AnswerChoiceText\": \"6884n\", \"AnswerChoiceId\": \"8064296921\" },\n            { \"AnswerChoiceText\": \"None of the Above\", \"AnswerChoiceId\": \"8064296927\" }\n          ]\n        }\n      ]\n    }\n  }\n}\n\n</code></pre>\n<p><strong>Notes</strong></p>\n<ul>\n<li><p>Each question comes with multiple answer choices.</p>\n</li>\n<li><p><code>ChallengeConfigGUID</code> is required in the next step.</p>\n</li>\n<li><p>Clients must render these questions to the user for answering.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","cibil","auth-question"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"0285fdea-2578-48a7-866d-a768ebb5d32c","name":"Success - Alternate Contact Details (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"shaam806691\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/auth-question"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 19 Aug 2025 07:32:09 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"568"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"238-H1ODZ+hc8kGZuarLLB5gyXoyReI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-19T07:32:09.902Z\",\n    \"transaction_id\": \"TXN-3989b9f7-4fab-45d9-91cc-378ea5125328\",\n    \"status\": \"success\",\n    \"data\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"52dcc921976b66d7:-6d9ea26c:198c12f0f62:1afc\",\n        \"GetAuthenticationQuestionsSuccess\": {\n            \"ChallengeConfigGUID\": \"1724705927\",\n            \"question\": {\n                \"AnswerChoice\": {\n                    \"Key\": \"USER_TO_INPUT_ANSWER\",\n                    \"AnswerChoiceId\": \"8064002393\"\n                },\n                \"resendEligible\": false,\n                \"LastChanceQuestion\": false,\n                \"skipEligible\": true,\n                \"FullQuestionText\": \"Enter the alternative mobile number\",\n                \"Key\": \"2808784771\"\n            },\n            \"QueueName\": \"OTP_AlternateEmail_Entry_Queue\"\n        }\n    }\n}"},{"id":"6d3065ec-cbe5-4cbe-b1f9-56ff8260a989","name":"Success- KBA (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"{{cibilClientId}}\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/auth-question"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 19 Aug 2025 07:44:16 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"3365"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"d25-ZyV3/XuM8DAr1vybo2Fif5f5ZDI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-19T07:44:16.750Z\",\n    \"transaction_id\": \"TXN-8e7847b1-ab51-4757-b681-6a10763f42f4\",\n    \"status\": \"success\",\n    \"data\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"c4610b1d93f2806a:7abb89e5:198c1402442:-3072\",\n        \"GetAuthenticationQuestionsSuccess\": {\n            \"ChallengeConfigGUID\": \"1724763723\",\n            \"question\": [\n                {\n                    \"AnswerChoice\": [\n                        {\n                            \"AnswerChoiceText\": \"Icici Bank\",\n                            \"Key\": \"Icici Bank\",\n                            \"AnswerChoiceId\": \"8064296887\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Karur Vysya\",\n                            \"Key\": \"Karur Vysya\",\n                            \"AnswerChoiceId\": \"8064296889\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Sbi Card\",\n                            \"Key\": \"Sbi Card\",\n                            \"AnswerChoiceId\": \"8064296891\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Sundaram Fin\",\n                            \"Key\": \"Sundaram Fin\",\n                            \"AnswerChoiceId\": \"8064296893\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"None of the Above\",\n                            \"Key\": \"None of the Above\",\n                            \"AnswerChoiceId\": \"8064296895\"\n                        }\n                    ],\n                    \"resendEligible\": false,\n                    \"LastChanceQuestion\": false,\n                    \"skipEligible\": false,\n                    \"FullQuestionText\": \"Select the lender who has sanctioned the highest loan amount to you.\",\n                    \"Key\": \"2808882689\"\n                },\n                {\n                    \"AnswerChoice\": [\n                        {\n                            \"AnswerChoiceText\": \"11800\",\n                            \"Key\": \"11800\",\n                            \"AnswerChoiceId\": \"8064296899\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"17340\",\n                            \"Key\": \"17340\",\n                            \"AnswerChoiceId\": \"8064296901\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"25600\",\n                            \"Key\": \"25600\",\n                            \"AnswerChoiceId\": \"8064296903\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"32550\",\n                            \"Key\": \"32550\",\n                            \"AnswerChoiceId\": \"8064296905\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"None Of The Above\",\n                            \"Key\": \"None Of The Above\",\n                            \"AnswerChoiceId\": \"8064296907\"\n                        }\n                    ],\n                    \"resendEligible\": false,\n                    \"LastChanceQuestion\": false,\n                    \"skipEligible\": false,\n                    \"FullQuestionText\": \"Please select the correct EMI amount for Education Loan?\",\n                    \"Key\": \"2808882693\"\n                },\n                {\n                    \"AnswerChoice\": [\n                        {\n                            \"AnswerChoiceText\": \"Axis Bank\",\n                            \"Key\": \"Axis Bank\",\n                            \"AnswerChoiceId\": \"8064296909\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Iob\",\n                            \"Key\": \"Iob\",\n                            \"AnswerChoiceId\": \"8064296911\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Syndicate Bank\",\n                            \"Key\": \"Syndicate Bank\",\n                            \"AnswerChoiceId\": \"8064296913\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Union Bank\",\n                            \"Key\": \"Union Bank\",\n                            \"AnswerChoiceId\": \"8064296915\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"None of the Above\",\n                            \"Key\": \"None of the Above\",\n                            \"AnswerChoiceId\": \"8064296917\"\n                        }\n                    ],\n                    \"resendEligible\": false,\n                    \"LastChanceQuestion\": false,\n                    \"skipEligible\": false,\n                    \"FullQuestionText\": \"Select lender with which you have opened Gold Loan in the past 12 months?\",\n                    \"Key\": \"2808882695\"\n                },\n                {\n                    \"AnswerChoice\": [\n                        {\n                            \"AnswerChoiceText\": \"3780o\",\n                            \"Key\": \"3780o\",\n                            \"AnswerChoiceId\": \"8064296919\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"6884n\",\n                            \"Key\": \"6884n\",\n                            \"AnswerChoiceId\": \"8064296921\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"7856h\",\n                            \"Key\": \"7856h\",\n                            \"AnswerChoiceId\": \"8064296923\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"8287m\",\n                            \"Key\": \"8287m\",\n                            \"AnswerChoiceId\": \"8064296925\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"None of the Above\",\n                            \"Key\": \"None of the Above\",\n                            \"AnswerChoiceId\": \"8064296927\"\n                        }\n                    ],\n                    \"resendEligible\": false,\n                    \"LastChanceQuestion\": false,\n                    \"skipEligible\": false,\n                    \"FullQuestionText\": \"Please select the last 5 digits of the PAN card number which belongs to you.\",\n                    \"Key\": \"2808882697\"\n                },\n                {\n                    \"AnswerChoice\": [\n                        {\n                            \"AnswerChoiceText\": \"Hsbc\",\n                            \"Key\": \"Hsbc\",\n                            \"AnswerChoiceId\": \"8064296931\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Idbi Ltd\",\n                            \"Key\": \"Idbi Ltd\",\n                            \"AnswerChoiceId\": \"8064296933\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Sbmbkindia\",\n                            \"Key\": \"Sbmbkindia\",\n                            \"AnswerChoiceId\": \"8064296935\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"Scb\",\n                            \"Key\": \"Scb\",\n                            \"AnswerChoiceId\": \"8064296937\"\n                        },\n                        {\n                            \"AnswerChoiceText\": \"None of the Above\",\n                            \"Key\": \"None of the Above\",\n                            \"AnswerChoiceId\": \"8064296939\"\n                        }\n                    ],\n                    \"resendEligible\": false,\n                    \"LastChanceQuestion\": false,\n                    \"skipEligible\": false,\n                    \"FullQuestionText\": \"Select the name of lender with whom you have or had a credit card/loan account.\",\n                    \"Key\": \"2808882701\"\n                }\n            ],\n            \"QueueName\": \"IDM_KBA_Queue\"\n        }\n    }\n}"},{"id":"b0c3129e-efc8-4b39-afaa-06464f512e5f","name":"Failure","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"yogesh806692\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/auth-question"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 19 Aug 2025 07:33:55 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"382"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"17e-veNu6HvZUaRYErYm1XNVprTD8Fk\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-19T07:33:55.433Z\",\n    \"transaction_id\": \"TXN-18dbef90-c6d7-4b7e-b9dd-9842601e4df2\",\n    \"status\": \"success\",\n    \"data\": {\n        \"ResponseStatus\": \"Failure\",\n        \"ResponseKey\": \"c4610b1d93f2806a:7abb89e5:198c12545bf:7c6c\",\n        \"GetAuthenticationQuestionsError\": {\n            \"Failure\": {\n                \"FailureEnum\": \"PARTNER_CUST_CODE_NOT_FOUND\",\n                \"Message\": \"Unable to find the PCC in system\",\n                \"ClientUserKey\": \"yogesh806692\"\n            }\n        }\n    }\n}"}],"_postman_id":"e431e31c-7e30-4b22-b691-456f9ee7a7b9"},{"name":"Verify Auth Request","id":"ebe76f26-8bb2-4b55-a386-1b89980e1d40","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\": \"{{cibilClientId}}\",\n    \"IVAnswer\": {\n      \"questionKey\": {{questionKey}},\n      \"answerKey\": {{answerKey}},\n      \"UserInputAnswer\": 654917\n    },\n    \"ChallengeConfigGUID\": {{ChallengeConfigGUID}},\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/verify-auth-question","description":"<h2 id=\"3-verify-authentication-answers\">3. Verify Authentication Answers</h2>\n<p>Submit the answers selected by the user to complete authentication.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://live.totalekyc.com/api/credit-report/individual/cibil/verify-auth-question\n\n</code></pre><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\",\n  \"IVAnswer\": {\n    \"questionKey\": \"{{questionKey}}\",\n    \"answerKey\": \"{{answerKey}}\",\n    \"UserInputAnswer\": 654917\n  },\n  \"ChallengeConfigGUID\": \"{{ChallengeConfigGUID}}\"\n}\n\n</code></pre>\n<p><strong>Sample Response</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"status\": \"success\",\n  \"data\": {\n    \"status\": 200,\n    \"data\": {\n      \"VerifyAuthenticationAnswersResponse\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"f2944b8f8e555bd8:-19a87ecf:198c1b6d94c:-2a26\",\n        \"VerifyAuthenticationAnswersSuccess\": {\n          \"IVStatus\": \"Success\"\n        }\n      }\n    }\n  }\n}\n\n</code></pre>\n<p><strong>Behavior</strong></p>\n<ul>\n<li><p>✅ If answers are correct → Authentication passes → You can fetch Credit Report now -&gt; <strong>Fetch Final CIBIL Credit Report (Using ClientKey)</strong></p>\n</li>\n<li><p>❌ If wrong → Retry with remaining questions (limited attempt).</p>\n</li>\n</ul>\n","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","name":"CIBIL  Credit Report","type":"folder"}},"urlObject":{"path":["api","credit-report","individual","cibil","verify-auth-question"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"105cbb68-5f97-412f-9fc0-cd5798b5ff7c","name":"Successful (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\": \"{{cibilClientId}}\",\n    \"IVAnswer\": {\n      \"questionKey\": {{questionKey}},\n      \"answerKey\": {{answerKey}},\n      \"UserInputAnswer\": 654917\n    },\n    \"ChallengeConfigGUID\": {{ChallengeConfigGUID}},\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/verify-auth-question"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 19 Aug 2025 09:58:12 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"338"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"152-FbVp6dwSHWYjVCBWhkyiA6WI68I\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-19T09:58:12.179Z\",\n    \"transaction_id\": \"TXN-61cdd28c-217d-4a9f-8228-0ea9733219f8\",\n    \"status\": \"success\",\n    \"data\": {\n        \"status\": 200,\n        \"data\": {\n            \"VerifyAuthenticationAnswersResponse\": {\n                \"ResponseStatus\": \"Success\",\n                \"ResponseKey\": \"f2944b8f8e555bd8:-19a87ecf:198c1b6d94c:-2a26\",\n                \"VerifyAuthenticationAnswersSuccess\": {\n                    \"IVStatus\": \"Success\"\n                }\n            }\n        }\n    }\n}"},{"id":"2be0e769-95c1-4c53-b8cd-32a6d3def0cf","name":"Successful (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\": \"{{cibilClientId}}\",\n    \"IVAnswer\": [\n        {\n            \"questionKey\": 2809230571,\n            \"answerKey\": 8065344985\n        },\n        {\n            \"questionKey\": 2809230573,\n            \"answerKey\": 8065344995\n        },\n         {\n            \"questionKey\": 2809230575,\n            \"answerKey\": 8065345005\n        },\n        {\n            \"questionKey\": 2809230577,\n            \"answerKey\": 8065345011\n        },\n        {\n            \"questionKey\": 2809230581,\n            \"answerKey\": 8065345023\n        }\n    ],\n    \"ChallengeConfigGUID\": {{ChallengeConfigGUID}},\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/verify-auth-question"},"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-19T09:58:12.179Z\",\n    \"transaction_id\": \"TXN-61cdd28c-217d-4a9f-8228-0ea9733219f8\",\n    \"status\": \"success\",\n    \"data\": {\n        \"status\": 200,\n        \"data\": {\n            \"VerifyAuthenticationAnswersResponse\": {\n                \"ResponseStatus\": \"Success\",\n                \"ResponseKey\": \"f2944b8f8e555bd8:-19a87ecf:198c1b6d94c:-2a26\",\n                \"VerifyAuthenticationAnswersSuccess\": {\n                    \"IVStatus\": \"Success\"\n                }\n            }\n        }\n    }\n}"}],"_postman_id":"ebe76f26-8bb2-4b55-a386-1b89980e1d40"},{"name":"Get Report from ClientId","id":"46722f93-5ba7-44ed-a196-745d350882ed","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"{{cibilClientId}}\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/pcc","description":"<h2 id=\"4-fetch-final-cibil-credit-report-using-clientkey\">4. Fetch Final CIBIL Credit Report (Using ClientKey)</h2>\n<p>Once authentication is cleared (or if not required), fetch the <strong>full CIBIL credit report</strong> using the <code>ClientKey</code> provided in earlier steps.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://uat.totalekyc.com/api/credit-report/individual/cibil/pcc\n\n</code></pre><p><strong>Headers</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\"\n}\n\n</code></pre>\n<p><strong>Response</strong></p>\n<ul>\n<li><p>Returns the <strong>complete CIBIL Credit Report</strong> (JSON/XML format depending on configuration).</p>\n</li>\n<li><p>Includes details such as score, accounts, inquiries, and report metadata.</p>\n</li>\n</ul>\n<hr />\n","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","name":"CIBIL  Credit Report","type":"folder"}},"urlObject":{"path":["api","credit-report","individual","cibil","pcc"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"cf1d4618-5fd6-4524-b5f0-0b15b0210f4a","name":"Succesful (200)","originalRequest":{"method":"POST","header":[],"body":{"mode":"raw","raw":"{\n    \"ClientKey\":\"{{cibilClientId}}\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/cibil/pcc"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 20 Aug 2025 10:26:52 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"160"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"a0-sf5lCKGVuLnUSf+udaizwH/C9js\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-20T10:26:52.849Z\",\n    \"transaction_id\": \"TXN-f6b7e29f-38bc-4932-9166-efe7ecb6f1f4\",\n    \"status\": \"success\",\n    \"data\": {\n        \"htmlUrl\": null,\n        \"cibilData\": null\n    }\n}"}],"_postman_id":"46722f93-5ba7-44ed-a196-745d350882ed"}],"id":"780ef19f-77c9-4393-9812-e09aad569d74","description":"<h1 id=\"cibil-credit-report-api-flow\">CIBIL Credit Report API Flow</h1>\n<p>This API flow enables retrieval of an <strong>Individual CIBIL Credit Report</strong> with user consent.</p>\n<p>The flow includes <strong>4 APIs</strong> which must be called in sequence, depending on the case.</p>\n<hr />\n<h2 id=\"flow-overview\">Flow Overview</h2>\n<ol>\n<li><p><strong>Fetch Credit Report</strong> – Attempt to fetch the CIBIL credit report with customer details.</p>\n</li>\n<li><p><strong>Authentication Questions</strong> – If CIBIL requires identity verification (due to new/incorrect mobile/email), you will receive a challenge question set.</p>\n</li>\n<li><p><strong>Verify Authentication</strong> – Submit answers to the challenge questions to complete the authentication and retrieve the report.</p>\n</li>\n<li><p><strong>Fetch Final Credit Report</strong> – Retrieve full credit report using <code>ClientKey</code>.</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"1fetch-individual-cibil-credit-report\">1.Fetch Individual CIBIL Credit Report</h2>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://live.totalekyc.com/api/credit-report/individual/cibil\n\n</code></pre><p><strong>Headers</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n<tr>\n<td>base_url</td>\n<td><a href=\"https://uat.totalekyc.com\"><code>https://live.totalekyc.com</code></a></td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Sample Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"CustomerInfo\": {\n    \"Name\": {\n      \"Forename\": \"AMAN\",\n      \"Surname\": \"SHARMA\"\n    },\n    \"IdentificationNumber\": {\n      \"IdentifierName\": \"TaxId\",\n      \"Id\": \"CGXXR91XXD\"\n    },\n    \"Address\": {\n      \"StreetAddress\": \"ROOM NO-1 MATUNGA NIWAS PAGALPURA BLDG\",\n      \"City\": \"PUNE\",\n      \"PostalCode\": 403121,\n      \"Region\": 27,\n      \"AddressType\": 1\n    },\n    \"EmailID\": \"AMANSHARMA101@GMAIL.COM\",\n    \"DateOfBirth\": \"1985-03-01\",\n    \"PhoneNumber\": {\n      \"Number\": 8345623713\n    },\n    \"Gender\": \"Male\"\n  },\n  \"LegalCopyStatus\": \"Accept\",\n  \"UserConsentForDataSharing\": \"true\"\n}\n\n</code></pre>\n<p><strong>Behavior</strong></p>\n<ul>\n<li><p>✅ If mobile/PAN matches with CIBIL records → Report is fetched.</p>\n</li>\n<li><p>⚠️ If mismatch/new mobile/PAN → CIBIL requires <strong>authentication questions</strong> → proceed to Step 2.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"2-get-authentication-questions-kba\">2. Get Authentication Questions (KBA)</h2>\n<p>If Step 1 requires authentication, use this API to fetch the <strong>Alternate Contact Details</strong> and/or <strong>Knowledge-Based Authentication (KBA) questions</strong>.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://live.totalekyc.com/api/credit-report/individual/cibil/auth-question\n\n</code></pre><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\"\n}\n\n</code></pre>\n<p><strong>Sample Response for Alternate Contact Details</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"timestamp\": \"2025-08-19T07:32:09.902Z\",\n    \"transaction_id\": \"TXN-3989b9f7-4fab-45d9-91cc-378ea5125328\",\n    \"status\": \"success\",\n    \"data\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"52dcc921976b66d7:-6d9ea26c:198c12f0f62:1afc\",\n        \"GetAuthenticationQuestionsSuccess\": {\n            \"ChallengeConfigGUID\": \"1724705927\",\n            \"question\": {\n                \"AnswerChoice\": {\n                    \"Key\": \"USER_TO_INPUT_ANSWER\",\n                    \"AnswerChoiceId\": \"8064002393\"\n                },\n                \"resendEligible\": false,\n                \"LastChanceQuestion\": false,\n                \"skipEligible\": true,\n                \"FullQuestionText\": \"Enter the alternative mobile number\",\n                \"Key\": \"28XX784271\"\n            },\n            \"QueueName\": \"OTP_AlternateEmail_Entry_Queue\"\n        }\n    }\n}\n\n</code></pre>\n<hr />\n<p><strong>Sample Response for Knowledge Based Question (KBA)</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"status\": \"success\",\n  \"data\": {\n    \"ResponseStatus\": \"Success\",\n    \"ResponseKey\": \"c4610b1d93f2806a:7abb89e5:198c1402442:-3072\",\n    \"GetAuthenticationQuestionsSuccess\": {\n      \"ChallengeConfigGUID\": \"1724763723\",\n      \"question\": [\n        {\n          \"FullQuestionText\": \"Select the lender who has sanctioned the highest loan amount to you.\",\n          \"Key\": \"2808882689\",\n          \"AnswerChoice\": [\n            { \"AnswerChoiceText\": \"Icici Bank\", \"AnswerChoiceId\": \"8064296887\" },\n            { \"AnswerChoiceText\": \"Karur Vysya\", \"AnswerChoiceId\": \"8064296889\" },\n            { \"AnswerChoiceText\": \"None of the Above\", \"AnswerChoiceId\": \"8064296895\" }\n          ]\n        },\n        {\n          \"FullQuestionText\": \"Please select the last 5 digits of the PAN card number which belongs to you.\",\n          \"Key\": \"2808882697\",\n          \"AnswerChoice\": [\n            { \"AnswerChoiceText\": \"3780o\", \"AnswerChoiceId\": \"8064296919\" },\n            { \"AnswerChoiceText\": \"6884n\", \"AnswerChoiceId\": \"8064296921\" },\n            { \"AnswerChoiceText\": \"None of the Above\", \"AnswerChoiceId\": \"8064296927\" }\n          ]\n        }\n      ]\n    }\n  }\n}\n\n</code></pre>\n<p><strong>Notes</strong></p>\n<ul>\n<li><p>Each question comes with multiple answer choices.</p>\n</li>\n<li><p><code>ChallengeConfigGUID</code> is required in the next step.</p>\n</li>\n<li><p>Clients must render these questions to the user for answering.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"3-verify-authentication-answers\">3. Verify Authentication Answers</h2>\n<p>Submit the answers selected by the user to complete authentication.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://live.totalekyc.com/api/credit-report/individual/cibil/verify-auth-question\n\n</code></pre><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\",\n  \"IVAnswer\": {\n    \"questionKey\": \"{{questionKey}}\",\n    \"answerKey\": \"{{answerKey}}\",\n    \"UserInputAnswer\": 654917\n  },\n  \"ChallengeConfigGUID\": \"{{ChallengeConfigGUID}}\"\n}\n\n</code></pre>\n<p><strong>Sample Response</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"status\": \"success\",\n  \"data\": {\n    \"status\": 200,\n    \"data\": {\n      \"VerifyAuthenticationAnswersResponse\": {\n        \"ResponseStatus\": \"Success\",\n        \"ResponseKey\": \"f2944b8f8e555bd8:-19a87ecf:198c1b6d94c:-2a26\",\n        \"VerifyAuthenticationAnswersSuccess\": {\n          \"IVStatus\": \"Success\"\n        }\n      }\n    }\n  }\n}\n\n</code></pre>\n<p><strong>Behavior</strong></p>\n<ul>\n<li><p>✅ If answers are correct → Authentication passes → You can fetch Credit Report now -&gt; <strong>Fetch Final CIBIL Credit Report (Using ClientKey)</strong></p>\n</li>\n<li><p>❌ If wrong → Retry with remaining questions (limited attempt).</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"4-fetch-final-cibil-credit-report-using-clientkey\">4. Fetch Final CIBIL Credit Report (Using ClientKey)</h2>\n<p>Once authentication is cleared (or if not required), fetch the <strong>full CIBIL credit report</strong> using the <code>ClientKey</code> provided in earlier steps.</p>\n<p><strong>Endpoint</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>POST https://live.totalekyc.com/api/credit-report/individual/cibil/pcc\n\n</code></pre><p><strong>Headers</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n</tbody>\n</table>\n</div><p><strong>Request</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"ClientKey\": \"{{cibilClientId}}\"\n}\n\n</code></pre>\n<p><strong>Response</strong></p>\n<ul>\n<li><p>Returns the <strong>complete CIBIL Credit Report</strong> (JSON/XML format depending on configuration).</p>\n</li>\n<li><p>Includes details such as score, accounts, inquiries, and report metadata.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"📝-implementation-notes\">📝 Implementation Notes</h2>\n<ul>\n<li><p>Always start with <strong>Step 1</strong>.</p>\n</li>\n<li><p>Use <strong>Step 2 &amp; 3</strong> only if authentication is required.</p>\n</li>\n<li><p><strong>Step 4 is mandatory</strong> to fetch the final report (even if Step 2–3 are skipped).</p>\n</li>\n<li><p>Keep track of <code>ClientKey</code>, <code>ChallengeConfigGUID</code>, and <code>transaction_id</code> across steps.</p>\n</li>\n</ul>\n","_postman_id":"780ef19f-77c9-4393-9812-e09aad569d74","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","name":"CIBIL  Credit Report","type":"folder"}}}],"id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"2b4a2d59-bdec-482a-9a76-c9da028a6c07","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"e877e4f6-cc2d-4705-ad07-034694138c3d","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"c41a421e-0fb9-41c2-92b4-fbafbbac4364","description":""},{"name":"CRIF Credit Report","item":[{"name":"CRIF V1 Combine (JSON + PDF)","id":"f189be31-1696-4db9-90ab-a2b53ff3cf54","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"\n{\n    \"dob\": \"20-07-2005\",\n    \"city\": \"Nilibangalore\",\n    \"email\": \"shaam.deva201@gmail.com\",\n    \"state\": \"Rajasthan\",\n    \"gender\": \"\",\n    \"address\": \"Ward No.12, Nilibangalore\",\n    \"pincode\": \"335082\",\n    \"village\": \"Nilibangalore\",\n    \"last_name\": \"Deva\",\n    \"first_name\": \"Shaam\",\n    \"pan_number\": \"HSEPD3275M\",\n    \"middle_name\": \"\",\n    \"mobile_number\": \"6378163461\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif/combined","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>CRIF Combined Credit Report API</strong> returns the <strong>complete bureau JSON report along with a downloadable PDF link</strong> for an individual.</p>\n<p>This API provides the most detailed output from CRIF High Mark, including:</p>\n<ul>\n<li><p>Parsed JSON of credit history</p>\n</li>\n<li><p>Loan accounts</p>\n</li>\n<li><p>Payment history</p>\n</li>\n<li><p>Score and score factors</p>\n</li>\n<li><p>Personal info variations</p>\n</li>\n<li><p>Address &amp; ID variations</p>\n</li>\n<li><p>Presigned PDF download link</p>\n</li>\n</ul>\n<p>It is ideal for underwriting systems requiring both <strong>machine-readable JSON</strong> and <strong>original bureau PDF</strong>.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<h3 id=\"✅-underwriting--credit-decisioning\">✅ <strong>Underwriting &amp; Credit Decisioning</strong></h3>\n<p>Get a machine-readable JSON structure to feed into scoring engines along with the original bureau PDF for documentation.</p>\n<h3 id=\"✅-kyc--credit-profiling\">✅ <strong>KYC + Credit Profiling</strong></h3>\n<p>Combine identity details with CRIF credit behaviour.</p>\n<h3 id=\"✅-lending-eligibility-checks\">✅ <strong>Lending Eligibility Checks</strong></h3>\n<p>Use detailed bureau data to assess risk, loan limit, and previous credit behaviour.</p>\n<h3 id=\"✅-fintech-user-dashboards\">✅ <strong>Fintech User Dashboards</strong></h3>\n<p>Provide combined JSON + PDF credit report to end-users in a seamless process.</p>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Production:</strong> <code>https://live.totalekyc.com/api/credit-report/individual/crif/combined</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td>Bearer</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td>application/json</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-parameters\"><strong>Request Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>first_name</strong></td>\n<td>String</td>\n<td>First name</td>\n</tr>\n<tr>\n<td><strong>middle_name</strong></td>\n<td>String</td>\n<td>Middle name (optional)</td>\n</tr>\n<tr>\n<td><strong>last_name</strong></td>\n<td>String</td>\n<td>Surname</td>\n</tr>\n<tr>\n<td><strong>dob</strong></td>\n<td>String</td>\n<td>Date of birth (DD-MM-YYYY)</td>\n</tr>\n<tr>\n<td><strong>gender</strong></td>\n<td>String</td>\n<td>Gender (optional)</td>\n</tr>\n<tr>\n<td><strong>mobile_number</strong></td>\n<td>String</td>\n<td>Registered mobile number</td>\n</tr>\n<tr>\n<td><strong>pan_number</strong></td>\n<td>String</td>\n<td>PAN number</td>\n</tr>\n<tr>\n<td><strong>email</strong></td>\n<td>String</td>\n<td>Email address</td>\n</tr>\n<tr>\n<td><strong>address</strong></td>\n<td>String</td>\n<td>Residential address</td>\n</tr>\n<tr>\n<td><strong>village</strong></td>\n<td>String</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td><strong>city</strong></td>\n<td>String</td>\n<td>City</td>\n</tr>\n<tr>\n<td><strong>state</strong></td>\n<td>String</td>\n<td>State</td>\n</tr>\n<tr>\n<td><strong>pincode</strong></td>\n<td>String</td>\n<td>6-digit postal code</td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>(optional)</td>\n<td>Optional client reference/notes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<hr />\n<h2 id=\"notecredit_report_link-is-a-temporary-presigned-aws-s3-url-valid-for-a-limited-time-typically-1-hour\"><strong>Note:</strong><code>credit_report_link</code> is a <strong>temporary presigned AWS S3 URL</strong> valid for a limited time (typically 1 hour).</h2>\n<hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>Report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>200</code></td>\n<td>No Data Found</td>\n<td>No data found for given Inputs</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Invalid Request</td>\n<td>Incorrect or missing request parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Invalid Details</td>\n<td>Invalid Input Details- &gt; Auth Flow will get triggered.</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on the server</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>The Combined API provides <strong>both JSON + PDF</strong> in a single response.</p>\n</li>\n<li><p>PAN, mobile, name, and DOB should match underlying bureau data for maximum accuracy.</p>\n</li>\n<li><p>PDF link must be used before expiry.</p>\n</li>\n<li><p>JSON structure mirrors the raw CRIF bureau XML/JSON, ensuring underwriting fidelity.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","crif","combined"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"e3fa5546-cfca-4455-a642-8aa622122359","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"\n{\n    \"dob\": \"20-07-2005\",\n    \"city\": \"Nilibangalore\",\n    \"email\": \"shaam.deva201@gmail.com\",\n    \"state\": \"Rajasthan\",\n    \"gender\": \"\",\n    \"address\": \"Ward No.12, Nilibangalore\",\n    \"pincode\": \"335082\",\n    \"village\": \"Nilibangalore\",\n    \"last_name\": \"Deva\",\n    \"first_name\": \"Shaam\",\n    \"pan_number\": \"HSEPD3275M\",\n    \"middle_name\": \"\",\n    \"mobile_number\": \"6378163461\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif/combined"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Wed, 19 Nov 2025 08:23:18 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"8160"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"1fe0-RxWqiyst2/qRGZG+WcQnC4K5+c4\""}],"cookie":[],"responseTime":null,"body":"\n{\n  \"timestamp\": \"2026-05-11T09:48:33.400Z\",\n  \"transaction_id\": \"TXN-PROD-a1b2c3d4-e5f6-7890-abcd-1234567890ef\",\n  \"status\": \"success\",\n  \"data\": {\n    \"pan\": \"ABCDE1234F\",\n    \"name\": \"Rahul Sharma\",\n    \"mobile\": \"9876543210\",\n    \"credit_report\": {\n      \"HEADER\": {\n        \"DATE-OF-REQUEST\": \"11-05-2026\",\n        \"DATE-OF-ISSUE\": \"11-05-2026\",\n        \"REPORT-ID\": \"CCR260511CR123456789\",\n        \"BATCH-ID\": \"9876543210260511\",\n        \"inquiryId_\": \"\",\n        \"STATUS\": \"SUCCESS\"\n      },\n      \"REQUEST\": {\n        \"NAME\": \"Rahul Sharma\",\n        \"DOB\": \"15-08-1995\",\n        \"PAN\": \"ABCDE1234F\",\n        \"UID\": \"\",\n        \"EMAIL-1\": \"rahul.sharma@example.com\",\n        \"ADDRESS-1\": \"Flat No 302, Sector 45 Gurgaon Haryana 122003\",\n        \"ADDRESS-2\": \"\",\n        \"ADDRESS-3\": \"\",\n        \"PHONE-1\": \"9876543210\"\n      },\n      \"PERSONAL-INFO-VARIATION\": {\n        \"NAME-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"RAHUL SHARMA\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"RAHUL K SHARMA\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"ADDRESS-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"SECTOR 45 GURGAON HARYANA 122003 HR\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"DLF PHASE 2 GURUGRAM HARYANA 122002 HR\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"PAN-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"ABCDE1234F\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"UID-VARIATIONS\": \"\",\n        \"OTHER-ID-VARIATIONS\": \"\",\n        \"DRIVING-LICENSE-VARIATIONS\": \"\",\n        \"DATE-OF-BIRTH-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"15-08-1995\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"VOTER-ID-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR1234567890\",\n            \"REPORTED-DATE\": \"31-12-2025\"\n          }\n        },\n        \"PASSPORT-VARIATIONS\": \"\",\n        \"PHONE-NUMBER-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"919876543210\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            }\n          ]\n        },\n        \"RATION-CARD-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR/GGN/123456\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"EMAIL-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"RAHUL.SHARMA@EXAMPLE.COM\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        }\n      },\n      \"SECONDARY-MATCHES\": \"\",\n      \"ACCOUNTS-SUMMARY\": {\n        \"DERIVED-ATTRIBUTES\": {\n          \"INQURIES-IN-LAST-SIX-MONTHS\": \"2\",\n          \"LENGTH-OF-CREDIT-HISTORY-YEAR\": \"5\",\n          \"LENGTH-OF-CREDIT-HISTORY-MONTH\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-YEAR\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-MONTH\": \"6\",\n          \"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS\": \"1\",\n          \"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS\": \"0\"\n        },\n        \"PRIMARY-ACCOUNTS-SUMMARY\": {\n          \"PRIMARY-NUMBER-OF-ACCOUNTS\": \"4\",\n          \"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"3\",\n          \"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-CURRENT-BALANCE\": \"150000\",\n          \"PRIMARY-SANCTIONED-AMOUNT\": \"500000\",\n          \"PRIMARY-DISBURSED-AMOUNT\": \"480000\",\n          \"PRIMARY-OVERDUE-AMOUNT\": \"0\"\n        },\n        \"SECONDARY-ACCOUNTS-SUMMARY\": {\n          \"SECONDARY-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-CURRENT-BALANCE\": \"0\",\n          \"SECONDARY-SANCTIONED-AMOUNT\": \"0\",\n          \"SECONDARY-DISBURSED-AMOUNT\": \"0\",\n          \"SECONDARY-OVERDUE-AMOUNT\": \"\"\n        }\n      },\n      \"EMPLOYMENT-DETAILS\": {\n        \"EMPLOYMENT-DETAIL\": {\n          \"ACCT-TYPE\": \"Personal Loan\",\n          \"DATE-REPORTED\": \"30-04-2026\",\n          \"OCCUPATION\": \"SALARIED\"\n        }\n      },\n      \"RESPONSES\": {\n        \"RESPONSE\": [\n          {\n            \"LOAN-DETAILS\": {\n              \"ACCT-NUMBER\": \"PL123456789\",\n              \"CREDIT-GUARANTOR\": \"HDFC BANK\",\n              \"CREDIT-GRANTOR-GROUP\": null,\n              \"CREDIT-GRANTOR-TYPE\": null,\n              \"ACCT-TYPE\": \"Personal Loan\",\n              \"DATE-REPORTED\": \"30-04-2026\",\n              \"OWNERSHIP-IND\": \"Individual\",\n              \"ACCOUNT-STATUS\": \"Active\",\n              \"DISBURSED-AMT\": \"3,00,000\",\n              \"DISBURSED-DT\": \"15-01-2024\",\n              \"LAST-PAYMENT-DATE\": \"05-04-2026\",\n              \"CLOSED-DATE\": null,\n              \"INSTALLMENT-AMT\": \"8,500\",\n              \"OVERDUE-AMT\": \"0\",\n              \"WRITE-OFF-AMT\": \"0\",\n              \"PRINCIPAL-WRITE-OFF-AMT\": null,\n              \"SETTLEMENT-AMT\": null,\n              \"CURRENT-BAL\": \"1,45,000\",\n              \"COMBINED-PAYMENT-HISTORY\": \"Apr:2026,000/STD|Mar:2026,000/STD|Feb:2026,000/STD|Jan:2026,000/STD|\",\n              \"MATCHED-TYPE\": \"PRIMARY\",\n              \"LINKED-ACCOUNTS\": \"\",\n              \"SECURITY-DETAILS\": \"\",\n              \"SECURITY-STATUS\": \"Un-Secured\",\n              \"ACCOUNT-REMARKS\": null,\n              \"ACCT-IN-DISPUTE\": null,\n              \"SUIT-FILED-WILFUL-DEFAULT-STATUS\": null,\n              \"WRITTEN-OFF-SETTLED-STATUS\": null,\n              \"WRITE-OFF-DT\": null,\n              \"SUIT-FILED-DT\": null,\n              \"LAST-PAID-AMOUNT\": null,\n              \"OBLIGATION\": null,\n              \"ORIGINAL-TERM\": \"36\",\n              \"TERM-TO-MATURITY\": \"18\",\n              \"ACTUAL-PAYMENT\": \"\",\n              \"REPAYMENT-TENURE\": \"36\",\n              \"INTEREST-RATE\": \"14.5\",\n              \"CREDIT-LIMIT\": \"\",\n              \"CASH-LIMIT\": \"\",\n              \"OCCUPATION\": \"SALARIED\",\n              \"INCOME-FREQUENCY\": \"Monthly\",\n              \"INCOME-AMOUNT\": \"75000\"\n            }\n          }\n        ]\n      },\n      \"INQUIRY-HISTORY\": {\n        \"HISTORY\": [\n          {\n            \"MEMBER-NAME\": \"ICICI BANK\",\n            \"PURPOSE\": \"Personal Loan\",\n            \"AMOUNT\": \"500000\",\n            \"REMARK\": \"Approved\",\n            \"INQUIRY-DATE\": \"10-03-2026\"\n          }\n        ]\n      },\n      \"TRENDS\": {\n        \"NAME\": \"SCORE-HISTORY\",\n        \"DATES\": \"31-12-2025|30-09-2025|30-06-2025|31-03-2025\",\n        \"VALUES\": \"745|738|720|710\",\n        \"RESERVED1\": \"Perform Consumer v2\",\n        \"RESERVED2\": null,\n        \"RESERVED3\": null,\n        \"DESCRIPTION\": \"||||\"\n      },\n      \"SCORES\": {\n        \"SCORE\": {\n          \"SCORE-TYPE\": \"PERFORM CONSUMER 2.2\",\n          \"SCORE-VALUE\": \"745\",\n          \"SCORE-FACTORS\": \"SF01|SF03|SF08|\"\n        }\n      },\n      \"verificarionScoreList\": \"\",\n      \"PRINTABLE-REPORT\": {\n        \"TYPE\": \"pdf\",\n        \"FILE-NAME\": \"credit_report_sample.pdf\",\n        \"CONTENT\": \"base64encodedcontent\"\n      },\n      \"enhanceProCcirFlag\": \"false\",\n      \"ccirFlag\": \"false\"\n    },\n    \"credit_report_link\": \"https://example-bucket.s3.amazonaws.com/reports/sample_credit_report.pdf\"\n  }\n}\n\n"},{"id":"1fb1f4cb-41c9-4ad6-b56d-90bfdb2eafe2","name":"User Auth (422)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"\n{\n    \"dob\": \"20-07-2005\",\n    \"city\": \"Nilibangalore\",\n    \"email\": \"shaam.deva201@gmail.com\",\n    \"state\": \"Rajasthan\",\n    \"gender\": \"\",\n    \"address\": \"Ward No.12, Nilibangalore\",\n    \"pincode\": \"335082\",\n    \"village\": \"Nilibangalore\",\n    \"last_name\": \"Deva\",\n    \"first_name\": \"Shaam\",\n    \"pan_number\": \"HSEPD3275M\",\n    \"middle_name\": \"\",\n    \"mobile_number\": \"6378163461\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif/combined"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Mon, 11 May 2026 10:47:21 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"542"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"21e-H/tUGoHtaMg4PJ47Mb3vgGQf/R4\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-05-11T10:47:21.590Z\",\n    \"transaction_id\": \"TXN-PROD-71c31acd-b938-4466-88f1-3c09e3dc3e04\",\n    \"data\": {\n        \"options\": [\n            \"ABC BANK (INDIA) LIMITED \",\n            \" CREDIT LIYA FINANCIAL TECH \",\n            \" SURYODIN \",\n            \" UJJIVAN LARGE FINANCE BANK LTD\"\n        ],\n        \"order_id\": \"txn-prod-71c31acd-b938-4466-88f1-3c09e3dc3r24\",\n        \"question\": \"Please provide the name of the bank / FI from where you availed SECURED CREDIT CARD Loan in 2022\",\n        \"report_id\": \"CCR260511CR0696628755\",\n        \"answer_type\": \"R\"\n    },\n    \"error_message\": \"Unable to Authenticate, Please Solve the Auth Questions\"\n}"}],"_postman_id":"f189be31-1696-4db9-90ab-a2b53ff3cf54"},{"name":"CRIF V2  Combine(JSON + PDF)","id":"0e9aa91d-6fc9-4d96-934b-102f2ce8f2e5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n  \"name\": \"Yogesh Kumar\",\n  \"mobile\": \"63783249XX\",\n  \"consent\": true\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif-pdf/v2","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The <strong>CRIF Credit Report V2</strong> enables retrieval of an individual’s <strong>detailed CRIF High Mark credit report in JSON along with a downloadable PDF link</strong>.</p>\n<p>The API validates the individual using basic KYC inputs and returns comprehensive credit insights including credit score, account history, repayment behaviour, and delinquency information.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ul>\n<li><p><strong>Lending Risk Assessment</strong></p>\n<p>  Assess borrower creditworthiness for personal loans, business loans, and credit cards.</p>\n</li>\n<li><p><strong>KYC &amp; Credit Eligibility Checks</strong></p>\n<p>  Combine with PAN/Mobile KYC to evaluate eligibility before loan sanction.</p>\n</li>\n<li><p><strong>Personal Finance Applications</strong></p>\n<p>  Allow end users to view and download their CRIF credit report PDF.</p>\n</li>\n<li><p><strong>Automated Underwriting</strong></p>\n<p>  Integrate into decision engines for real-time credit approval workflows.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Production)</strong></td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/crif-pdf/v2</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-parameters\">Request Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>name</td>\n<td>String</td>\n<td>Full name of the individual</td>\n</tr>\n<tr>\n<td>mobile</td>\n<td>String</td>\n<td>Registered mobile number</td>\n</tr>\n<tr>\n<td>consent</td>\n<td>Boolean</td>\n<td>User consent (<code>true</code> / <code>false</code>)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"sample-request-curl\">Sample Request (cURL)</h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>curl --location 'https://live.totalekyc.com/api/credit-report/individual/crif-pdf/v2' \\\n--header 'Content-Type: application/json' \\\n--header &amp;#x27;Authorization: Bearer &lt;token&gt;&amp;#x27; \\\n--data '{\n  \"name\": \"Yogesh Kumar\",\n  \"mobile\": \"63783249XX\",\n  \"consent\": true\n}'\n\n</code></pre><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<h3 id=\"report-metadata\">Report Metadata</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>timestamp</td>\n<td>String</td>\n<td>API response timestamp</td>\n</tr>\n<tr>\n<td>transaction_id</td>\n<td>String</td>\n<td>Unique transaction ID</td>\n</tr>\n<tr>\n<td>status</td>\n<td>String</td>\n<td>API execution status</td>\n</tr>\n<tr>\n<td>data</td>\n<td>Object</td>\n<td>Response payload</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"credit-report--header\">Credit Report – Header</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.HEADER</td>\n<td>Object</td>\n<td>Report header details</td>\n</tr>\n<tr>\n<td>data.HEADER.DATE-OF-REQUEST</td>\n<td>String</td>\n<td>Date when request was made</td>\n</tr>\n<tr>\n<td>data.HEADER.DATE-OF-ISSUE</td>\n<td>String</td>\n<td>Date when report was generated</td>\n</tr>\n<tr>\n<td>data.HEADER.REPORT-ID</td>\n<td>String</td>\n<td>Unique CRIF report ID</td>\n</tr>\n<tr>\n<td>data.HEADER.BATCH-ID</td>\n<td>String</td>\n<td>Batch identifier</td>\n</tr>\n<tr>\n<td>data.HEADER.inquiryId_</td>\n<td>String</td>\n<td>Inquiry reference ID</td>\n</tr>\n<tr>\n<td>data.HEADER.STATUS</td>\n<td>String</td>\n<td>Report status (SUCCESS / FAILURE)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-details\">Request Details</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.REQUEST</td>\n<td>Object</td>\n<td>Original request details</td>\n</tr>\n<tr>\n<td>data.REQUEST.NAME</td>\n<td>String</td>\n<td>Applicant name</td>\n</tr>\n<tr>\n<td>data.REQUEST.DOB</td>\n<td>String</td>\n<td>Date of birth</td>\n</tr>\n<tr>\n<td>data.REQUEST.PAN</td>\n<td>String</td>\n<td>PAN number</td>\n</tr>\n<tr>\n<td>data.REQUEST.EMAIL-1</td>\n<td>String</td>\n<td>Email ID</td>\n</tr>\n<tr>\n<td>data.REQUEST.ADDRESS-1</td>\n<td>String</td>\n<td>Address line 1</td>\n</tr>\n<tr>\n<td>data.REQUEST.ADDRESS-2</td>\n<td>String</td>\n<td>Address line 2</td>\n</tr>\n<tr>\n<td>data.REQUEST.ADDRESS-3</td>\n<td>String</td>\n<td>Address line 3</td>\n</tr>\n<tr>\n<td>data.REQUEST.PHONE-1</td>\n<td>String</td>\n<td>Primary mobile number</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"personal-information-variations\">Personal Information Variations</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.PERSONAL-INFO-VARIATION</td>\n<td>Object</td>\n<td>Variations reported by CRIF</td>\n</tr>\n<tr>\n<td>NAME-VARIATIONS.VARIATION[]</td>\n<td>Array</td>\n<td>Name variations with dates</td>\n</tr>\n<tr>\n<td>ADDRESS-VARIATIONS.VARIATION[]</td>\n<td>Array</td>\n<td>Address variations</td>\n</tr>\n<tr>\n<td>PAN-VARIATIONS.VARIATION</td>\n<td>Object</td>\n<td>PAN variation</td>\n</tr>\n<tr>\n<td>UID-VARIATIONS</td>\n<td>String/Object</td>\n<td>Aadhaar variations</td>\n</tr>\n<tr>\n<td>DATE-OF-BIRTH-VARIATIONS.VARIATION[]</td>\n<td>Array</td>\n<td>DOB variations</td>\n</tr>\n<tr>\n<td>VOTER-ID-VARIATIONS.VARIATION</td>\n<td>Object</td>\n<td>Voter ID details</td>\n</tr>\n<tr>\n<td>PHONE-NUMBER-VARIATIONS.VARIATION[]</td>\n<td>Array</td>\n<td>Phone variations</td>\n</tr>\n<tr>\n<td>RATION-CARD-VARIATIONS.VARIATION</td>\n<td>Object</td>\n<td>Ration card details</td>\n</tr>\n<tr>\n<td>EMAIL-VARIATIONS.VARIATION</td>\n<td>Object</td>\n<td>Email variations</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"accounts-summary\">Accounts Summary</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.ACCOUNTS-SUMMARY</td>\n<td>Object</td>\n<td>Credit summary</td>\n</tr>\n<tr>\n<td>DERIVED-ATTRIBUTES</td>\n<td>Object</td>\n<td>Credit history &amp; inquiry metrics</td>\n</tr>\n<tr>\n<td>PRIMARY-ACCOUNTS-SUMMARY</td>\n<td>Object</td>\n<td>Primary account stats</td>\n</tr>\n<tr>\n<td>SECONDARY-ACCOUNTS-SUMMARY</td>\n<td>Object</td>\n<td>Secondary account stats</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"loan--credit-accounts\">Loan &amp; Credit Accounts</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.RESPONSES.RESPONSE[]</td>\n<td>Array</td>\n<td>List of credit accounts</td>\n</tr>\n<tr>\n<td>LOAN-DETAILS.ACCT-NUMBER</td>\n<td>String</td>\n<td>Loan account number</td>\n</tr>\n<tr>\n<td>CREDIT-GUARANTOR</td>\n<td>String</td>\n<td>Lending institution</td>\n</tr>\n<tr>\n<td>ACCT-TYPE</td>\n<td>String</td>\n<td>Loan / Credit type</td>\n</tr>\n<tr>\n<td>ACCOUNT-STATUS</td>\n<td>String</td>\n<td>Active / Closed</td>\n</tr>\n<tr>\n<td>DISBURSED-AMT</td>\n<td>String</td>\n<td>Disbursed amount</td>\n</tr>\n<tr>\n<td>CURRENT-BAL</td>\n<td>String</td>\n<td>Outstanding balance</td>\n</tr>\n<tr>\n<td>OVERDUE-AMT</td>\n<td>String</td>\n<td>Overdue amount</td>\n</tr>\n<tr>\n<td>CREDIT-LIMIT</td>\n<td>String</td>\n<td>Credit limit (if applicable)</td>\n</tr>\n<tr>\n<td>SECURITY-DETAILS</td>\n<td>Object</td>\n<td>Secured asset details</td>\n</tr>\n<tr>\n<td>REPAYMENT-TENURE</td>\n<td>String</td>\n<td>Tenure in months</td>\n</tr>\n<tr>\n<td>INTEREST-RATE</td>\n<td>String</td>\n<td>Interest rate</td>\n</tr>\n<tr>\n<td>COMBINED-PAYMENT-HISTORY</td>\n<td>String</td>\n<td>Monthly repayment history</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"credit-score\">Credit Score</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.SCORES.SCORE</td>\n<td>Object</td>\n<td>Credit score details</td>\n</tr>\n<tr>\n<td>SCORE-TYPE</td>\n<td>String</td>\n<td>Score model used</td>\n</tr>\n<tr>\n<td>SCORE-VALUE</td>\n<td>String</td>\n<td>Credit score</td>\n</tr>\n<tr>\n<td>SCORE-FACTORS</td>\n<td>String</td>\n<td>Factors impacting score</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"report-pdf\">Report PDF</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>credit_report_link</td>\n<td>String</td>\n<td>Pre-signed URL to download CRIF PDF</td>\n</tr>\n<tr>\n<td>data.PRINTABLE-REPORT</td>\n<td>Object</td>\n<td>Printable report metadata</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\">Latency Metrics</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>CRIF Credit Report PDF V2</td>\n<td>300 – 800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Report retrieved successfully</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Data Found</td>\n<td>No report found for given inputs</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid Request</td>\n<td>Missing or invalid parameters</td>\n<td>❌ No</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid / expired token</td>\n<td>❌ No</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid Details</td>\n<td>Input mismatch, auth flow triggered</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue</td>\n<td>❌ No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Valid <strong>user consent is mandatory</strong> to fetch the credit report.</p>\n</li>\n<li><p>Name and mobile number must match CRIF records.</p>\n</li>\n<li><p>Credit report PDF link is <strong>time-bound</strong> and expires automatically.</p>\n</li>\n<li><p>The response includes both <strong>JSON credit data</strong> and a <strong>downloadable PDF</strong>.</p>\n</li>\n<li><p>Suitable for <strong>lending, underwriting, and compliance</strong> workflows.</p>\n</li>\n</ul>\n<hr />\n","urlObject":{"path":["api","credit-report","individual","crif-pdf","v2"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"60087e1c-b548-413e-940c-aa80a8cef4be","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"\n{\n  \"name\": \"Yogesh Kumar\",\n  \"mobile\": \"63783249XX\",\n  \"consent\": true\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif-pdf/v2"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Thu, 29 Jan 2026 10:29:36 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"10801"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"2a31-mBjOJHdhtZDaEFGSjlNYnhzbevQ\""}],"cookie":[],"responseTime":null,"body":"\n{\n  \"timestamp\": \"2026-05-11T09:48:33.400Z\",\n  \"transaction_id\": \"TXN-PROD-a1b2c3d4-e5f6-7890-abcd-1234567890ef\",\n  \"status\": \"success\",\n  \"data\": {\n    \"pan\": \"ABCDE1234F\",\n    \"name\": \"Rahul Sharma\",\n    \"mobile\": \"9876543210\",\n    \"credit_report\": {\n      \"HEADER\": {\n        \"DATE-OF-REQUEST\": \"11-05-2026\",\n        \"DATE-OF-ISSUE\": \"11-05-2026\",\n        \"REPORT-ID\": \"CCR260511CR123456789\",\n        \"BATCH-ID\": \"9876543210260511\",\n        \"inquiryId_\": \"\",\n        \"STATUS\": \"SUCCESS\"\n      },\n      \"REQUEST\": {\n        \"NAME\": \"Rahul Sharma\",\n        \"DOB\": \"15-08-1995\",\n        \"PAN\": \"ABCDE1234F\",\n        \"UID\": \"\",\n        \"EMAIL-1\": \"rahul.sharma@example.com\",\n        \"ADDRESS-1\": \"Flat No 302, Sector 45 Gurgaon Haryana 122003\",\n        \"ADDRESS-2\": \"\",\n        \"ADDRESS-3\": \"\",\n        \"PHONE-1\": \"9876543210\"\n      },\n      \"PERSONAL-INFO-VARIATION\": {\n        \"NAME-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"RAHUL SHARMA\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"RAHUL K SHARMA\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"ADDRESS-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"SECTOR 45 GURGAON HARYANA 122003 HR\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"DLF PHASE 2 GURUGRAM HARYANA 122002 HR\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"PAN-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"ABCDE1234F\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"UID-VARIATIONS\": \"\",\n        \"OTHER-ID-VARIATIONS\": \"\",\n        \"DRIVING-LICENSE-VARIATIONS\": \"\",\n        \"DATE-OF-BIRTH-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"15-08-1995\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"VOTER-ID-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR1234567890\",\n            \"REPORTED-DATE\": \"31-12-2025\"\n          }\n        },\n        \"PASSPORT-VARIATIONS\": \"\",\n        \"PHONE-NUMBER-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"919876543210\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            }\n          ]\n        },\n        \"RATION-CARD-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR/GGN/123456\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"EMAIL-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"RAHUL.SHARMA@EXAMPLE.COM\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        }\n      },\n      \"SECONDARY-MATCHES\": \"\",\n      \"ACCOUNTS-SUMMARY\": {\n        \"DERIVED-ATTRIBUTES\": {\n          \"INQURIES-IN-LAST-SIX-MONTHS\": \"2\",\n          \"LENGTH-OF-CREDIT-HISTORY-YEAR\": \"5\",\n          \"LENGTH-OF-CREDIT-HISTORY-MONTH\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-YEAR\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-MONTH\": \"6\",\n          \"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS\": \"1\",\n          \"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS\": \"0\"\n        },\n        \"PRIMARY-ACCOUNTS-SUMMARY\": {\n          \"PRIMARY-NUMBER-OF-ACCOUNTS\": \"4\",\n          \"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"3\",\n          \"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-CURRENT-BALANCE\": \"150000\",\n          \"PRIMARY-SANCTIONED-AMOUNT\": \"500000\",\n          \"PRIMARY-DISBURSED-AMOUNT\": \"480000\",\n          \"PRIMARY-OVERDUE-AMOUNT\": \"0\"\n        },\n        \"SECONDARY-ACCOUNTS-SUMMARY\": {\n          \"SECONDARY-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-CURRENT-BALANCE\": \"0\",\n          \"SECONDARY-SANCTIONED-AMOUNT\": \"0\",\n          \"SECONDARY-DISBURSED-AMOUNT\": \"0\",\n          \"SECONDARY-OVERDUE-AMOUNT\": \"\"\n        }\n      },\n      \"EMPLOYMENT-DETAILS\": {\n        \"EMPLOYMENT-DETAIL\": {\n          \"ACCT-TYPE\": \"Personal Loan\",\n          \"DATE-REPORTED\": \"30-04-2026\",\n          \"OCCUPATION\": \"SALARIED\"\n        }\n      },\n      \"RESPONSES\": {\n        \"RESPONSE\": [\n          {\n            \"LOAN-DETAILS\": {\n              \"ACCT-NUMBER\": \"PL123456789\",\n              \"CREDIT-GUARANTOR\": \"HDFC BANK\",\n              \"CREDIT-GRANTOR-GROUP\": null,\n              \"CREDIT-GRANTOR-TYPE\": null,\n              \"ACCT-TYPE\": \"Personal Loan\",\n              \"DATE-REPORTED\": \"30-04-2026\",\n              \"OWNERSHIP-IND\": \"Individual\",\n              \"ACCOUNT-STATUS\": \"Active\",\n              \"DISBURSED-AMT\": \"3,00,000\",\n              \"DISBURSED-DT\": \"15-01-2024\",\n              \"LAST-PAYMENT-DATE\": \"05-04-2026\",\n              \"CLOSED-DATE\": null,\n              \"INSTALLMENT-AMT\": \"8,500\",\n              \"OVERDUE-AMT\": \"0\",\n              \"WRITE-OFF-AMT\": \"0\",\n              \"PRINCIPAL-WRITE-OFF-AMT\": null,\n              \"SETTLEMENT-AMT\": null,\n              \"CURRENT-BAL\": \"1,45,000\",\n              \"COMBINED-PAYMENT-HISTORY\": \"Apr:2026,000/STD|Mar:2026,000/STD|Feb:2026,000/STD|Jan:2026,000/STD|\",\n              \"MATCHED-TYPE\": \"PRIMARY\",\n              \"LINKED-ACCOUNTS\": \"\",\n              \"SECURITY-DETAILS\": \"\",\n              \"SECURITY-STATUS\": \"Un-Secured\",\n              \"ACCOUNT-REMARKS\": null,\n              \"ACCT-IN-DISPUTE\": null,\n              \"SUIT-FILED-WILFUL-DEFAULT-STATUS\": null,\n              \"WRITTEN-OFF-SETTLED-STATUS\": null,\n              \"WRITE-OFF-DT\": null,\n              \"SUIT-FILED-DT\": null,\n              \"LAST-PAID-AMOUNT\": null,\n              \"OBLIGATION\": null,\n              \"ORIGINAL-TERM\": \"36\",\n              \"TERM-TO-MATURITY\": \"18\",\n              \"ACTUAL-PAYMENT\": \"\",\n              \"REPAYMENT-TENURE\": \"36\",\n              \"INTEREST-RATE\": \"14.5\",\n              \"CREDIT-LIMIT\": \"\",\n              \"CASH-LIMIT\": \"\",\n              \"OCCUPATION\": \"SALARIED\",\n              \"INCOME-FREQUENCY\": \"Monthly\",\n              \"INCOME-AMOUNT\": \"75000\"\n            }\n          }\n        ]\n      },\n      \"INQUIRY-HISTORY\": {\n        \"HISTORY\": [\n          {\n            \"MEMBER-NAME\": \"ICICI BANK\",\n            \"PURPOSE\": \"Personal Loan\",\n            \"AMOUNT\": \"500000\",\n            \"REMARK\": \"Approved\",\n            \"INQUIRY-DATE\": \"10-03-2026\"\n          }\n        ]\n      },\n      \"TRENDS\": {\n        \"NAME\": \"SCORE-HISTORY\",\n        \"DATES\": \"31-12-2025|30-09-2025|30-06-2025|31-03-2025\",\n        \"VALUES\": \"745|738|720|710\",\n        \"RESERVED1\": \"Perform Consumer v2\",\n        \"RESERVED2\": null,\n        \"RESERVED3\": null,\n        \"DESCRIPTION\": \"||||\"\n      },\n      \"SCORES\": {\n        \"SCORE\": {\n          \"SCORE-TYPE\": \"PERFORM CONSUMER 2.2\",\n          \"SCORE-VALUE\": \"745\",\n          \"SCORE-FACTORS\": \"SF01|SF03|SF08|\"\n        }\n      },\n      \"verificarionScoreList\": \"\",\n      \"PRINTABLE-REPORT\": {\n        \"TYPE\": \"pdf\",\n        \"FILE-NAME\": \"credit_report_sample.pdf\",\n        \"CONTENT\": \"base64encodedcontent\"\n      },\n      \"enhanceProCcirFlag\": \"false\",\n      \"ccirFlag\": \"false\"\n    },\n    \"credit_report_link\": \"https://example-bucket.s3.amazonaws.com/reports/sample_credit_report.pdf\"\n  }\n}\n"}],"_postman_id":"0e9aa91d-6fc9-4d96-934b-102f2ce8f2e5"},{"name":"CRIF User Auth","id":"a72dfebc-8709-44b0-a570-733ecd0a0d9a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"report_id\":\"CCR250721CR261122308\",\n    \"order_id\":\"txn-ec5e34dc-3d14-4811-a018-7931081a2b47\",\n    \"auth_answers\":\"SBM BANK (INDIA) LIMITED \",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif-user-auth/combine","urlObject":{"path":["api","credit-report","individual","crif-user-auth","combine"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"5ed4734e-de64-47f9-8e54-36be1c91d6f0","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"report_id\":\"CCR250721CR261122398\",\n    \"order_id\":\"txn-ec5e34dc-3d14-4811-a018-7931002e3n57\",\n    \"auth_answers\":\"ABC BANK (INDIA) LIMITED \",\n    \"remark\": \"Optional client note or 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Sharma\",\n    \"mobile\": \"9876543210\",\n    \"credit_report\": {\n      \"HEADER\": {\n        \"DATE-OF-REQUEST\": \"11-05-2026\",\n        \"DATE-OF-ISSUE\": \"11-05-2026\",\n        \"REPORT-ID\": \"CCR260511CR123456789\",\n        \"BATCH-ID\": \"9876543210260511\",\n        \"inquiryId_\": \"\",\n        \"STATUS\": \"SUCCESS\"\n      },\n      \"REQUEST\": {\n        \"NAME\": \"Rahul Sharma\",\n        \"DOB\": \"15-08-1995\",\n        \"PAN\": \"ABCDE1234F\",\n        \"UID\": \"\",\n        \"EMAIL-1\": \"rahul.sharma@example.com\",\n        \"ADDRESS-1\": \"Flat No 302, Sector 45 Gurgaon Haryana 122003\",\n        \"ADDRESS-2\": \"\",\n        \"ADDRESS-3\": \"\",\n        \"PHONE-1\": \"9876543210\"\n      },\n      \"PERSONAL-INFO-VARIATION\": {\n        \"NAME-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"RAHUL SHARMA\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"RAHUL K SHARMA\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"ADDRESS-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"SECTOR 45 GURGAON HARYANA 122003 HR\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            },\n            {\n              \"VALUE\": \"DLF PHASE 2 GURUGRAM HARYANA 122002 HR\",\n              \"REPORTED-DATE\": \"31-12-2025\"\n            }\n          ]\n        },\n        \"PAN-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"ABCDE1234F\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"UID-VARIATIONS\": \"\",\n        \"OTHER-ID-VARIATIONS\": \"\",\n        \"DRIVING-LICENSE-VARIATIONS\": \"\",\n        \"DATE-OF-BIRTH-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"15-08-1995\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"VOTER-ID-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR1234567890\",\n            \"REPORTED-DATE\": \"31-12-2025\"\n          }\n        },\n        \"PASSPORT-VARIATIONS\": \"\",\n        \"PHONE-NUMBER-VARIATIONS\": {\n          \"VARIATION\": [\n            {\n              \"VALUE\": \"919876543210\",\n              \"REPORTED-DATE\": \"30-04-2026\"\n            }\n          ]\n        },\n        \"RATION-CARD-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"HR/GGN/123456\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        },\n        \"EMAIL-VARIATIONS\": {\n          \"VARIATION\": {\n            \"VALUE\": \"RAHUL.SHARMA@EXAMPLE.COM\",\n            \"REPORTED-DATE\": \"30-04-2026\"\n          }\n        }\n      },\n      \"SECONDARY-MATCHES\": \"\",\n      \"ACCOUNTS-SUMMARY\": {\n        \"DERIVED-ATTRIBUTES\": {\n          \"INQURIES-IN-LAST-SIX-MONTHS\": \"2\",\n          \"LENGTH-OF-CREDIT-HISTORY-YEAR\": \"5\",\n          \"LENGTH-OF-CREDIT-HISTORY-MONTH\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-YEAR\": \"3\",\n          \"AVERAGE-ACCOUNT-AGE-MONTH\": \"6\",\n          \"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS\": \"1\",\n          \"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS\": \"0\"\n        },\n        \"PRIMARY-ACCOUNTS-SUMMARY\": {\n          \"PRIMARY-NUMBER-OF-ACCOUNTS\": \"4\",\n          \"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"3\",\n          \"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"2\",\n          \"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"PRIMARY-CURRENT-BALANCE\": \"150000\",\n          \"PRIMARY-SANCTIONED-AMOUNT\": \"500000\",\n          \"PRIMARY-DISBURSED-AMOUNT\": \"480000\",\n          \"PRIMARY-OVERDUE-AMOUNT\": \"0\"\n        },\n        \"SECONDARY-ACCOUNTS-SUMMARY\": {\n          \"SECONDARY-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS\": \"0\",\n          \"SECONDARY-CURRENT-BALANCE\": \"0\",\n          \"SECONDARY-SANCTIONED-AMOUNT\": \"0\",\n          \"SECONDARY-DISBURSED-AMOUNT\": \"0\",\n          \"SECONDARY-OVERDUE-AMOUNT\": \"\"\n        }\n      },\n      \"EMPLOYMENT-DETAILS\": {\n        \"EMPLOYMENT-DETAIL\": {\n          \"ACCT-TYPE\": \"Personal Loan\",\n          \"DATE-REPORTED\": \"30-04-2026\",\n          \"OCCUPATION\": \"SALARIED\"\n        }\n      },\n      \"RESPONSES\": {\n        \"RESPONSE\": [\n          {\n            \"LOAN-DETAILS\": {\n              \"ACCT-NUMBER\": \"PL123456789\",\n              \"CREDIT-GUARANTOR\": \"HDFC BANK\",\n              \"CREDIT-GRANTOR-GROUP\": null,\n              \"CREDIT-GRANTOR-TYPE\": null,\n              \"ACCT-TYPE\": \"Personal Loan\",\n              \"DATE-REPORTED\": \"30-04-2026\",\n              \"OWNERSHIP-IND\": \"Individual\",\n              \"ACCOUNT-STATUS\": \"Active\",\n              \"DISBURSED-AMT\": \"3,00,000\",\n              \"DISBURSED-DT\": \"15-01-2024\",\n              \"LAST-PAYMENT-DATE\": \"05-04-2026\",\n              \"CLOSED-DATE\": null,\n              \"INSTALLMENT-AMT\": \"8,500\",\n              \"OVERDUE-AMT\": \"0\",\n              \"WRITE-OFF-AMT\": \"0\",\n              \"PRINCIPAL-WRITE-OFF-AMT\": null,\n              \"SETTLEMENT-AMT\": null,\n              \"CURRENT-BAL\": \"1,45,000\",\n              \"COMBINED-PAYMENT-HISTORY\": \"Apr:2026,000/STD|Mar:2026,000/STD|Feb:2026,000/STD|Jan:2026,000/STD|\",\n              \"MATCHED-TYPE\": \"PRIMARY\",\n              \"LINKED-ACCOUNTS\": \"\",\n              \"SECURITY-DETAILS\": \"\",\n              \"SECURITY-STATUS\": \"Un-Secured\",\n              \"ACCOUNT-REMARKS\": null,\n              \"ACCT-IN-DISPUTE\": null,\n              \"SUIT-FILED-WILFUL-DEFAULT-STATUS\": null,\n              \"WRITTEN-OFF-SETTLED-STATUS\": null,\n              \"WRITE-OFF-DT\": null,\n              \"SUIT-FILED-DT\": null,\n              \"LAST-PAID-AMOUNT\": null,\n              \"OBLIGATION\": null,\n              \"ORIGINAL-TERM\": \"36\",\n              \"TERM-TO-MATURITY\": \"18\",\n              \"ACTUAL-PAYMENT\": \"\",\n              \"REPAYMENT-TENURE\": \"36\",\n              \"INTEREST-RATE\": \"14.5\",\n              \"CREDIT-LIMIT\": \"\",\n              \"CASH-LIMIT\": \"\",\n              \"OCCUPATION\": \"SALARIED\",\n              \"INCOME-FREQUENCY\": \"Monthly\",\n              \"INCOME-AMOUNT\": \"75000\"\n            }\n          }\n        ]\n      },\n      \"INQUIRY-HISTORY\": {\n        \"HISTORY\": [\n          {\n            \"MEMBER-NAME\": \"ICICI BANK\",\n            \"PURPOSE\": \"Personal Loan\",\n            \"AMOUNT\": \"500000\",\n            \"REMARK\": \"Approved\",\n            \"INQUIRY-DATE\": \"10-03-2026\"\n          }\n        ]\n      },\n      \"TRENDS\": {\n        \"NAME\": \"SCORE-HISTORY\",\n        \"DATES\": \"31-12-2025|30-09-2025|30-06-2025|31-03-2025\",\n        \"VALUES\": \"745|738|720|710\",\n        \"RESERVED1\": \"Perform Consumer v2\",\n        \"RESERVED2\": null,\n        \"RESERVED3\": null,\n        \"DESCRIPTION\": \"||||\"\n      },\n      \"SCORES\": {\n        \"SCORE\": {\n          \"SCORE-TYPE\": \"PERFORM CONSUMER 2.2\",\n          \"SCORE-VALUE\": \"745\",\n          \"SCORE-FACTORS\": \"SF01|SF03|SF08|\"\n        }\n      },\n      \"verificarionScoreList\": \"\",\n      \"PRINTABLE-REPORT\": {\n        \"TYPE\": \"pdf\",\n        \"FILE-NAME\": \"credit_report_sample.pdf\",\n        \"CONTENT\": \"base64encodedcontent\"\n      },\n      \"enhanceProCcirFlag\": \"false\",\n      \"ccirFlag\": \"false\"\n    },\n    \"credit_report_link\": \"https://example-bucket.s3.amazonaws.com/reports/sample_credit_report.pdf\"\n  }\n}\n"},{"id":"f2ac6182-db1e-4127-b2c0-eb758c966134","name":"Wrong Answer (422)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"report_id\":\"CCR260511CR069665253\",\n    \"order_id\":\"txn-prod-f09f100b-dfad-4d22-9330-224f6dc409gg\",\n    \"auth_answers\":\" UJJIVAN LARGE FINANCE BANK LTD\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/crif-user-auth/combine"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Mon, 11 May 2026 10:50:59 GMT"},{"key":"content-type","value":"application/json; 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\"2026-05-11T10:50:59.613Z\",\n    \"transaction_id\": \"TXN-PROD-45c39dc1-7d1f-45f2-898f-c0dc02982612\",\n    \"error_message\": {\n        \"buttonbehaviour\": \"R\",\n        \"reportId\": \"CCR260511CR069665248\",\n        \"question\": \"Please choose Disbursed Amount range for the latest Loan taken\",\n        \"orderId\": \"txn-prod-f09f100b-dfad-4d22-9330-224f6dc409dd\",\n        \"optionsList\": [\n            \"5lac-10lac \",\n            \" 0-5k \",\n            \" 1lac-5lac \",\n            \" 5k-20k\"\n        ],\n        \"status\": \"S11\"\n    }\n}"}],"_postman_id":"a72dfebc-8709-44b0-a570-733ecd0a0d9a"}],"id":"f138de36-9ba1-44e7-bb10-d35d4b9df307","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"97119c3b-f39e-4a9d-b7c2-5bc01f00b6ea","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"b152fbd0-c22b-4f18-856e-29d09fd4a751","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"f138de36-9ba1-44e7-bb10-d35d4b9df307","description":""},{"name":"Experian Credit Report","item":[{"name":"Experian","id":"f156593d-9ec2-44ae-b525-96a1708ae749","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"name\": \"ASHAAN VERMA\",\n  \"consent\": \"Y\",\n  \"mobile\": \"95878798479\",\n  \"pan\": \"HVIPQQ557E\",\n  \"remark\": \"Optional field for Client Note\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/experian","description":"<h3 id=\"introduction\">Introduction</h3>\n<p>The <strong>Experian Credit Report API</strong> enables retrieval of an individual's credit report and credit score based on their PAN, mobile number, and consent. It is commonly used for evaluating creditworthiness, processing loans, and conducting financial risk assessments.</p>\n<hr />\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Loan Application Screening</strong> : Assess applicant's creditworthiness during personal, home, or business loan applications.</p>\n</li>\n<li><p><strong>Credit Card Eligibility Checks</strong> : Used by banks and NBFCs to determine user risk before issuing credit cards.</p>\n</li>\n<li><p><strong>Pre-approved Offer Generation</strong> : Identify candidates eligible for pre-approved credit products based on Experian score.</p>\n</li>\n<li><p><strong>User Risk Segmentation</strong> : Helps fintech platforms segment users based on credit behavior and score.</p>\n</li>\n<li><p><strong>Personal Finance Apps</strong> : Empower users with their credit score to improve financial awareness and behavior.</p>\n</li>\n</ol>\n<hr />\n<h3 id=\"api-details\">API Details</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Production)</strong></td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/experian</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"authentication-header\">Authentication Header</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body-json\">Request Body (JSON)</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"name\": \"ASIF KHAN\",\n  \"consent\": \"Y\",\n  \"mobile\": \"9588078479\",\n  \"pan\": \"HVIPK1757E\"\n}\n\n</code></pre>\n<hr />\n<h3 id=\"request-parameters\">Request Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>name</code></td>\n<td>String</td>\n<td>Full name of the user</td>\n</tr>\n<tr>\n<td><code>consent</code></td>\n<td>String</td>\n<td>User consent (<code>Y</code> for Yes, <code>N</code> for No)</td>\n</tr>\n<tr>\n<td><code>mobile</code></td>\n<td>String</td>\n<td>User’s registered mobile number</td>\n</tr>\n<tr>\n<td><code>pan</code></td>\n<td>String</td>\n<td>User’s PAN card number</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-fields\">Response Fields</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>client_id</code></td>\n<td>String</td>\n<td>Unique transaction ID</td>\n</tr>\n<tr>\n<td><code>name</code></td>\n<td>String</td>\n<td>Full name of the user</td>\n</tr>\n<tr>\n<td><code>mobile</code></td>\n<td>String</td>\n<td>Masked mobile number</td>\n</tr>\n<tr>\n<td><code>pan</code></td>\n<td>String</td>\n<td>PAN card number</td>\n</tr>\n<tr>\n<td><code>credit_score</code></td>\n<td>String</td>\n<td>Credit score of the user</td>\n</tr>\n<tr>\n<td><code>credit_report</code></td>\n<td>Object</td>\n<td>Contains credit history and loan account info</td>\n</tr>\n<tr>\n<td><code>credit_report.summary</code></td>\n<td>String</td>\n<td>Summary of the report</td>\n</tr>\n<tr>\n<td><code>credit_report.loanAccounts</code></td>\n<td>Array</td>\n<td>List of user’s loan accounts</td>\n</tr>\n<tr>\n<td><code>loanAccounts[].type</code></td>\n<td>String</td>\n<td>Type of loan</td>\n</tr>\n<tr>\n<td><code>loanAccounts[].bank</code></td>\n<td>String</td>\n<td>Bank that issued the loan</td>\n</tr>\n<tr>\n<td><code>loanAccounts[].status</code></td>\n<td>String</td>\n<td>Loan status (e.g., Active, Closed)</td>\n</tr>\n<tr>\n<td><code>loanAccounts[].outstandingAmount</code></td>\n<td>String</td>\n<td>Remaining amount to be paid</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\">Latency Metrics</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Experian Credit Report</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Credit report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Record Found</td>\n<td>No Record Found at Bureau</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid Request</td>\n<td>Missing or incorrect input parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid Details</td>\n<td>Invalid Input Details- &gt; <strong>Primary Mobile Number is needed</strong></td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"4b8aae33-477a-4d2c-b21f-fa6d96ca2756","id":"4b8aae33-477a-4d2c-b21f-fa6d96ca2756","name":"Experian Credit 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charset=utf-8"},{"key":"Content-Length","value":"128074"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"1f44a-HgNNN4iPc46+kgt9mtwL2y/xJnM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-01T09:23:13.895Z\",\n    \"transaction_id\": \"TXN-a12b34cd-5678-90ef-gh12-3456789ijklm\",\n    \"status\": \"success\",\n    \"data\": {\n        \"name\": \"RAHUL SHARMA\",\n        \"mobile\": \"9876543210\",\n        \"pan\": \"ABCDE1234F\",\n        \"credit_score\": 756,\n        \"client_id\": \"TXN-a12b34cd-5678-90ef-gh12-3456789ijklm\",\n        \"credit_report\": {\n            \"CreditProfileHeader\": {\n                \"ReportDate\": 20250901,\n                \"ReportTime\": 112233,\n                \"Version\": \"V2.4\",\n                \"ReportNumber\": 9876543211234\n            },\n            \"Current_Application\": {\n                \"Current_Application_Details\": {\n                    \"Enquiry_Reason\": \"01\",\n                    \"Finance_Purpose\": \"12\",\n                    \"Amount_Financed\": \"500000\",\n                    \"Duration_Of_Agreement\": \"36\",\n                    \"Current_Applicant_Details\": {\n                        \"Last_Name\": \"SHARMA\",\n                        \"First_Name\": \"RAHUL\",\n                        \"Middle_Name1\": \"KUMAR\",\n                        \"Middle_Name2\": \"\",\n                        \"Middle_Name3\": \"\",\n                        \"Gender_Code\": \"1\",\n                        \"IncomeTaxPan\": \"ABCDE1234F\",\n                        \"Date_Of_Birth_Applicant\": \"19920715\",\n                        \"Telephone_Number_Applicant_1st\": \"0112345678\",\n                        \"Telephone_Extension\": \"91\",\n                        \"Telephone_Type\": \"L\",\n                        \"MobilePhoneNumber\": \"9876543210\",\n                        \"EMailId\": \"rahul.sharma@example.com\",\n                        \"PAN_Issue_Date\": \"20150710\",\n                        \"PAN_Expiration_Date\": \"\",\n                        \"Passport_Number\": \"M1234567\",\n                        \"Passport_Issue_Date\": \"20180615\",\n                        \"Passport_Expiration_Date\": \"20280614\",\n                        \"Voter_s_Identity_Card\": \"XYZ1234567\",\n                        \"Voter_ID_Issue_Date\": \"20150501\",\n                        \"Voter_ID_Expiration_Date\": \"\",\n                        \"Driver_License_Number\": \"DL0420111234567\",\n                        \"Driver_License_Issue_Date\": \"20170401\",\n                        \"Driver_License_Expiration_Date\": \"20370401\",\n                        \"Ration_Card_Number\": \"RC12345678\",\n                        \"Ration_Card_Issue_Date\": \"\",\n                        \"Ration_Card_Expiration_Date\": \"\",\n                        \"Universal_ID_Number\": \"UID123456789012\",\n                        \"Universal_ID_Issue_Date\": \"20160301\",\n                        \"Universal_ID_Expiration_Date\": \"\"\n                    },\n                    \"Current_Other_Details\": {\n                        \"Income\": \"850000\",\n                        \"Marital_Status\": \"M\",\n                        \"Employment_Status\": \"Salaried\",\n                        \"Time_with_Employer\": \"5\",\n                        \"Number_of_Major_Credit_Card_Held\": \"2\"\n                    },\n                    \"Current_Applicant_Address_Details\": {\n                        \"FlatNoPlotNoHouseNo\": \"Flat 203, Green Apartments\",\n                        \"BldgNoSocietyName\": \"Sector 15\",\n                        \"RoadNoNameAreaLocality\": \"MG Road\",\n                        \"City\": \"New Delhi\",\n                        \"Landmark\": \"Near Metro Station\",\n                        \"State\": \"07\",\n                        \"PINCode\": \"110001\",\n                        \"Country_Code\": \"IN\"\n                    },\n                    \"Current_Applicant_Additional_AddressDetails\": \"Permanent Address Same as Above\"\n                }\n            },\n            \"CAIS_Account\": {\n                \"CAIS_Summary\": {\n                    \"Credit_Account\": {\n                        \"CreditAccountTotal\": \"3\",\n                        \"CreditAccountActive\": \"2\",\n                        \"CreditAccountDefault\": \"0\",\n                        \"CreditAccountClosed\": \"1\",\n                        \"CADSuitFiledCurrentBalance\": \"0\"\n                    },\n                    \"Total_Outstanding_Balance\": {\n                        \"Outstanding_Balance_Secured\": \"450000\",\n                        \"Outstanding_Balance_Secured_Percentage\": \"80\",\n                        \"Outstanding_Balance_UnSecured\": \"110000\",\n                        \"Outstanding_Balance_UnSecured_Percentage\": \"20\",\n                        \"Outstanding_Balance_All\": \"560000\"\n                    }\n                },\n                \"CAIS_Account_DETAILS\": [\n                    {\n                        \"Identification_Number\": \"PVT123456789\",\n                        \"Subscriber_Name\": \"HDFC BANK\",\n                        \"Account_Number\": \"XXXXXX9087\",\n                        \"Portfolio_Type\": \"I\",\n                        \"Account_Type\": \"01\",\n                        \"Open_Date\": \"20220115\",\n                        \"Credit_Limit_Amount\": \"150000\",\n                        \"Highest_Credit_or_Original_Loan_Amount\": \"500000\",\n                        \"Terms_Duration\": \"036\",\n                        \"Terms_Frequency\": \"M\",\n                        \"Scheduled_Monthly_Payment_Amount\": \"15432\",\n                        \"Account_Status\": \"11\",\n                        \"Payment_Rating\": \"0\",\n                        \"Payment_History_Profile\": \"000000000000000000000000000000\",\n                        \"Special_Comment\": \"\",\n                        \"Current_Balance\": \"325000\",\n                        \"Amount_Past_Due\": \"0\",\n                        \"Original_Charge_Off_Amount\": \"\",\n                        \"Date_Reported\": \"20250815\",\n                        \"Date_of_First_Delinquency\": \"\",\n                        \"Date_Closed\": \"\",\n                        \"Date_of_Last_Payment\": \"20250810\",\n                        \"SuitFiledWillfulDefaultWrittenOffStatus\": \"\",\n                        \"SuitFiled_WillfulDefault\": \"00\",\n                        \"Written_off_Settled_Status\": \"\",\n                        \"Value_of_Credits_Last_Month\": \"50000\",\n                        \"Occupation_Code\": \"03\",\n                        \"Settlement_Amount\": \"\",\n                        \"Value_of_Collateral\": \"750000\",\n                        \"Type_of_Collateral\": \"House\",\n                        \"Written_Off_Amt_Total\": \"0\",\n                        \"Written_Off_Amt_Principal\": \"0\",\n                        \"Rate_of_Interest\": \"9.5\",\n                        \"Repayment_Tenure\": \"36\",\n                        \"Promotional_Rate_Flag\": \"\",\n                        \"Income\": \"850000\",\n                        \"Income_Indicator\": \"A\",\n                        \"Income_Frequency_Indicator\": \"Y\",\n                        \"DefaultStatusDate\": \"\",\n                        \"LitigationStatusDate\": \"\",\n                        \"WriteOffStatusDate\": \"\",\n                        \"DateOfAddition\": \"20220201\",\n                        \"CurrencyCode\": \"INR\",\n                        \"Subscriber_comments\": \"\",\n                        \"Consumer_comments\": \"\",\n                        \"AccountHoldertypeCode\": \"1\",\n                        \"CAIS_Account_History\": [],\n                        \"CAIS_Holder_Details\": [],\n                        \"CAIS_Holder_Address_Details\": [],\n                        \"CAIS_Holder_Phone_Details\": [],\n                        \"CAIS_Holder_ID_Details\": [],\n                        \"Account_Review_Data\": []\n                    }\n                ]\n            },\n            \"Match_result\": {\n                \"Exact_match\": \"Y\"\n            },\n            \"TotalCAPS_Summary\": {\n                \"TotalCAPSLast7Days\": \"2\",\n                \"TotalCAPSLast30Days\": \"5\",\n                \"TotalCAPSLast90Days\": \"12\",\n                \"TotalCAPSLast180Days\": \"20\"\n            },\n            \"CAPS\": {\n                \"CAPS_Summary\": {\n                    \"CAPSLast7Days\": \"1\",\n                    \"CAPSLast30Days\": \"2\",\n                    \"CAPSLast90Days\": \"3\",\n                    \"CAPSLast180Days\": \"4\"\n                },\n                \"CAPS_Application_Details\": {\n                    \"Subscriber_code\": \"NBF12345\",\n                    \"Subscriber_Name\": \"BAJAJ FINSERV\",\n                    \"Date_of_Request\": \"20250810\",\n                    \"ReportTime\": \"120045\",\n                    \"ReportNumber\": \"1765432987654\",\n                    \"Enquiry_Reason\": \"01\",\n                    \"Finance_Purpose\": \"11\",\n                    \"Amount_Financed\": \"250000\",\n                    \"Duration_Of_Agreement\": \"24\"\n                }\n            },\n            \"NonCreditCAPS\": {\n                \"NonCreditCAPS_Summary\": {\n                    \"NonCreditCAPSLast7Days\": \"0\",\n                    \"NonCreditCAPSLast30Days\": \"1\",\n                    \"NonCreditCAPSLast90Days\": \"1\",\n                    \"NonCreditCAPSLast180Days\": \"2\"\n                },\n                \"CAPS_Application_Details\": [\n                    {\n                        \"Subscriber_code\": \"NBF98765\",\n                        \"Subscriber_Name\": \"ICICI BANK\",\n                        \"Date_of_Request\": \"20250801\",\n                        \"ReportTime\": \"081500\",\n                        \"ReportNumber\": \"1765432900012\",\n                        \"Enquiry_Reason\": \"02\",\n                        \"Finance_Purpose\": \"10\",\n                        \"Amount_Financed\": \"0\",\n                        \"Duration_Of_Agreement\": \"0\"\n                    }\n                ]\n            },\n            \"SCORE\": {\n                \"FCIREXScore\": 756,\n                \"FCIREXScoreConfidLevel\": \"High\"\n            }\n        }\n    },\n    \"message\": \"Normal Response\"\n}\n"},{"id":"00839b79-1c90-4a20-8028-01674d6ac2eb","name":"No Record Found (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"name\": \"Kon Rahul\",\r\n  \"consent\": \"Y\",\r\n  \"mobile\": \"95880784XX\",\r\n  \"pan\": \"HVIPK175XX\",\r\n  \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/experian"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 06 May 2025 05:38:29 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"128074"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"1f44a-HgNNN4iPc46+kgt9mtwL2y/xJnM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-01T09:23:13.895Z\",\n    \"transaction_id\": \"TXN-a12b34cd-5678-90ef-gh12-3456789ijklm\",\n    \"status\": \"success\",\n    \"data\": {\n        \"name\": \"Kon Rahul\",\n        \"mobile\": \"987654361XX\",\n        \"pan\": \"HVIPK175XX\",\n        \"credit_score\": 8,\n        \"client_id\": \"REQ39516acb9ded49b6a292e78rc63f7d4\",\n        \"credit_report\": {\n            \"CreditProfileHeader\": {\n                \"ReportDate\": 20260421,\n                \"ReportTime\": 120631,\n                \"Version\": \"V2.4\",\n                \"ReportNumber\": \"7455765636311\"\n            },\n            \"Current_Application\": {\n                \"Current_Application_Details\": {\n                    \"Enquiry_Reason\": \"99\",\n                    \"Finance_Purpose\": \"99\",\n                    \"Amount_Financed\": \"0\",\n                    \"Duration_Of_Agreement\": \"1\",\n                    \"Current_Applicant_Details\": {\n                        \"Last_Name\": \"\",\n                        \"First_Name\": \"\",\n                        \"Middle_Name1\": \"\",\n                        \"Middle_Name2\": \"\",\n                        \"Middle_Name3\": \"\",\n                        \"Gender_Code\": \"1\",\n                        \"IncomeTaxPan\": \"NARES6XXXX\",\n                        \"PAN_Issue_Date\": \"\",\n                        \"PAN_Expiration_Date\": \"\",\n                        \"Passport_Number\": \"\",\n                        \"Passport_Issue_Date\": \"\",\n                        \"Passport_Expiration_Date\": \"\",\n                        \"Voter_s_Identity_Card\": \"\",\n                        \"Voter_ID_Issue_Date\": \"\",\n                        \"Voter_ID_Expiration_Date\": \"\",\n                        \"Driver_License_Number\": \"\",\n                        \"Driver_License_Issue_Date\": \"\",\n                        \"Driver_License_Expiration_Date\": \"\",\n                        \"Ration_Card_Number\": \"\",\n                        \"Ration_Card_Issue_Date\": \"\",\n                        \"Ration_Card_Expiration_Date\": \"\",\n                        \"Universal_ID_Number\": \"\",\n                        \"Universal_ID_Issue_Date\": \"\",\n                        \"Universal_ID_Expiration_Date\": \"\",\n                        \"Date_Of_Birth_Applicant\": \"\",\n                        \"Telephone_Number_Applicant_1st\": \"982344XX74\",\n                        \"Telephone_Extension\": \"\",\n                        \"Telephone_Type\": \"\",\n                        \"MobilePhoneNumber\": \"982344XX74\",\n                        \"EMailId\": \"\"\n                    },\n                    \"Current_Other_Details\": {\n                        \"Income\": \"0\",\n                        \"Marital_Status\": \"\",\n                        \"Employment_Status\": \"\",\n                        \"Time_with_Employer\": \"\",\n                        \"Number_of_Major_Credit_Card_Held\": \"\"\n                    },\n                    \"Current_Applicant_Address_Details\": {\n                        \"FlatNoPlotNoHouseNo\": \"DEFAULT\",\n                        \"BldgNoSocietyName\": \"\",\n                        \"RoadNoNameAreaLocality\": \"\",\n                        \"City\": \"Mumbai\",\n                        \"Landmark\": \"\",\n                        \"State\": \"27\",\n                        \"PINCode\": \"400048\",\n                        \"Country_Code\": \"IB\"\n                    },\n                    \"Current_Applicant_Additional_AddressDetails\": \"\"\n                }\n            },\n            \"Match_result\": {\n                \"Exact_match\": \"N\"\n            },\n            \"SCORE\": {\n                \"FCIREXScore\": 8,\n                \"FCIREXScoreConfidLevel\": \"L\"\n            },\n            \"CAIS_Account\": {\n                \"CAIS_Summary\": {},\n                \"CAIS_Account_DETAILS\": []\n            },\n            \"CAPS\": {\n                \"CAPS_Summary\": {},\n                \"CAPS_Application_Details\": []\n            },\n            \"NonCreditCAPS\": {\n                \"NonCreditCAPS_Summary\": {},\n                \"CAPS_Application_Details\": []\n            },\n            \"TotalCAPS_Summary\": {}\n        }\n    },\n    \"message\": \"SYS100004 (No record found)\"\n}"}],"_postman_id":"f156593d-9ec2-44ae-b525-96a1708ae749"},{"name":"Experian PDF","id":"af653b15-8151-4a75-bba0-389029cd2789","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"name\": \"Rohit Verma\",\r\n  \"consent\": \"Y\",\r\n  \"mobile\": \"9876543210\",\r\n  \"pan\": \"ABCDE1234F\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/experian-pdf","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The <strong>Experian Credit Report API</strong> enables retrieval of a user’s credit report and credit score using their PAN, mobile number, and consent. This API is primarily used for assessing creditworthiness, supporting lending decisions, and financial risk analysis.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ol>\n<li><p>Assess an individual's creditworthiness for personal or business loans.</p>\n</li>\n<li><p>Automate credit checks during the loan application process.</p>\n</li>\n<li><p>Integrate credit scoring into digital lending or BNPL platforms.</p>\n</li>\n<li><p>Perform financial risk profiling during KYC/AML processes.</p>\n</li>\n<li><p>Enable partner institutions to fetch reports for pre-approved loan offers.</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Environment</th>\n<th>Base URL</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Production</td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/experian-pdf</code></td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>HTTP Method</th>\n<th>POST</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authentication</td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"authentication-header\">Authentication Header</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-json\">Request Body (JSON)</h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"name\": \"Priya Kishore Patra\",\n  \"consent\": \"Y\",\n  \"mobile\": \"9040236112\",\n  \"pan\": \"BYTPP9666D\"\n}\n\n</code></pre>\n<hr />\n<h2 id=\"request-parameters\">Request Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>name</td>\n<td>String</td>\n<td>Full name of the user</td>\n</tr>\n<tr>\n<td>consent</td>\n<td>String</td>\n<td>User consent (Y/N)</td>\n</tr>\n<tr>\n<td>mobile</td>\n<td>String</td>\n<td>User’s registered mobile number</td>\n</tr>\n<tr>\n<td>pan</td>\n<td>String</td>\n<td>User’s PAN card number</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.pan</code></td>\n<td>String</td>\n<td>Permanent Account Number (PAN) of the individual.</td>\n</tr>\n<tr>\n<td><code>data.name</code></td>\n<td>String</td>\n<td>Full name of the individual.</td>\n</tr>\n<tr>\n<td><code>data.mobile</code></td>\n<td>String</td>\n<td>Registered mobile number.</td>\n</tr>\n<tr>\n<td><code>data.credit_score</code></td>\n<td>Integer</td>\n<td>Credit score of the individual (as per Experian).</td>\n</tr>\n<tr>\n<td><code>data.credit_report_link</code></td>\n<td>String (URL)</td>\n<td>Download link to the Experian credit report PDF.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\">Latency Metrics</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Experian Credit Report PDF</td>\n<td>500–1200ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Credit report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Record Found</td>\n<td>No Record Found at Bureau</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid Request</td>\n<td>Missing or incorrect input parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid / Wrong Details</td>\n<td>Invalid Input Details- &gt; <strong>Primary Mobile Number is needed</strong></td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Ensure the Bearer Token is active and valid when making API calls.</p>\n</li>\n<li><p>The credit report PDF link is time-sensitive and may expire after a specific duration.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","credit-report","individual","experian-pdf"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b8896079-0af7-4de2-843d-12a7d4cafe20","name":"Experian PDF","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n  \"name\": \"Rohit Verma\",\r\n  \"consent\": \"Y\",\r\n  \"mobile\": \"9876543210\",\r\n  \"pan\": \"ABCDE1234F\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/experian-pdf"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 29 May 2025 09:40:00 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"920"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"398-POorXvy3MvgAIwaQeGC3a+Gm24g\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-18T20:01:35.973Z\",\n    \"transaction_id\": \"80be7456-82e3-489a-86dc-174e914a3cfb\",\n    \"status\": \"success\",\n    \"status_code\": 200,\n    \"data\": {\n        \"pan\": \"ABCDE1234F\",\n        \"name\": \"ROHIT VERMA\",\n        \"mobile\": \"9876543210\",\n        \"credit_score\": 549,\n        \"credit_report_link\": \"https://kyc-docs-storage.s3.ap-south-1.amazonaws.com/credit_reports/experian/80be7456-82e3-489a-86dc-174e914a3cfb_experian_report.pdf?X-Amz-Algorithm=AWS4-HMAC-SHA256&X-Amz-Content-Sha256=UNSIGNED-PAYLOAD&X-Amz-Credential=AKIAQFLZDKV6XI3KNPPC%2F20250618%2Fap-south-1%2Fs3%2Faws4_request&X-Amz-Date=20250618T200135Z&X-Amz-Expires=3600&X-Amz-Signature=1f496f80caa06742de49ad16eb4853ab51b7f69d502e90eef6d6eeb5280bb085&X-Amz-SignedHeaders=host&x-amz-checksum-mode=ENABLED&x-id=GetObject\"\n    }\n}\n"}],"_postman_id":"af653b15-8151-4a75-bba0-389029cd2789"},{"name":"PAN to Experian","id":"b50a8caf-9516-46f8-8f1b-9c84561f694a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"MYPPS8306A\"\n \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>PAN to Experian Credit Report API</strong> enables retrieval of an individual's credit report and credit score using only their PAN number. This API is optimized for quick credit profiling and is commonly used in financial services for risk assessment and underwriting.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p><strong>Instant Credit Profiling</strong> : Fetch credit score using PAN for quick eligibility checks.</p>\n</li>\n<li><p><strong>Loan Underwriting</strong> : Used by NBFCs and lenders to evaluate borrower risk.</p>\n</li>\n<li><p><strong>KYC &amp; Risk Assessment</strong> : Enhance onboarding with credit insights.</p>\n</li>\n<li><p><strong>Pre-approved Loan Offers</strong> : Identify eligible users for instant loan approvals.</p>\n</li>\n<li><p><strong>Fraud Detection</strong> : Validate identity consistency across PAN and credit data.</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (UAT &amp; Production)</strong></td>\n<td><a href=\"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian\"><code>https://live.totalekyc.com/api/credit-report/individual/pan-to-experian</code></a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"authentication-header\"><strong>Authentication Header</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-json\"><strong>Request Body (JSON)</strong></h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{  \"id_number\": \"MYPPS8XXXX\"}\n\n</code></pre>\n<hr />\n<h2 id=\"request-parameters\"><strong>Request Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN card number of the user</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-fields\"><strong>Response Fields</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.pan</td>\n<td>String</td>\n<td>PAN card number</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>String</td>\n<td>Name of the user</td>\n</tr>\n<tr>\n<td>data.mobile</td>\n<td>String</td>\n<td>User's mobile number</td>\n</tr>\n<tr>\n<td>data.credit_score</td>\n<td>Number</td>\n<td>Experian credit score</td>\n</tr>\n<tr>\n<td>data.client_id</td>\n<td>String</td>\n<td>Internal request ID</td>\n</tr>\n<tr>\n<td>data.credit_report</td>\n<td>Object</td>\n<td>Full Experian credit report</td>\n</tr>\n<tr>\n<td>credit_report.CreditProfileHeader</td>\n<td>Object</td>\n<td>Metadata of the report (date, version, report number)</td>\n</tr>\n<tr>\n<td>credit_report.Current_Application</td>\n<td>Object</td>\n<td>Details of current application and applicant</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account</td>\n<td>Object</td>\n<td>Credit account summary and details</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account.CAIS_Summary</td>\n<td>Object</td>\n<td>Summary of total accounts and balances</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account.CAIS_Account_DETAILS</td>\n<td>Array</td>\n<td>Detailed list of credit accounts</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Account_Number</td>\n<td>String</td>\n<td>Masked account number</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Account_Status</td>\n<td>String</td>\n<td>Current status of the account</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Current_Balance</td>\n<td>String</td>\n<td>Outstanding balance</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Credit_Limit_Amount</td>\n<td>String</td>\n<td>Credit limit assigned</td>\n</tr>\n<tr>\n<td>credit_report.Match_result</td>\n<td>Object</td>\n<td>PAN match result indicator</td>\n</tr>\n<tr>\n<td>credit_report.TotalCAPS_Summary</td>\n<td>Object</td>\n<td>Enquiry summary (last 7/30/90/180 days)</td>\n</tr>\n<tr>\n<td>credit_report.CAPS</td>\n<td>Object</td>\n<td>Credit enquiry details</td>\n</tr>\n<tr>\n<td>credit_report.NonCreditCAPS</td>\n<td>Object</td>\n<td>Non-credit enquiry details</td>\n</tr>\n<tr>\n<td>credit_report.SCORE</td>\n<td>Object</td>\n<td>Score details</td>\n</tr>\n<tr>\n<td>credit_report.SCORE.FCIREXScore</td>\n<td>Number</td>\n<td>Experian credit score</td>\n</tr>\n<tr>\n<td>credit_report.SCORE.FCIREXScoreConfidLevel</td>\n<td>String/null</td>\n<td>Confidence level of score</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to Experian Credit Report</td>\n<td>800–2000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Credit report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Record Found</td>\n<td>No Record Found at Bureau</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid Request</td>\n<td>Missing or incorrect input parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN</td>\n<td>Input validation failed</td>\n<td>YES (PARTIAL)</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","credit-report","individual","pan-to-experian"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"802fba0e-4dd9-4940-93b0-55b63a1abc38","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": 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      \"Outstanding_Balance_Secured_Percentage\": \"80\",\n                        \"Outstanding_Balance_UnSecured\": \"110000\",\n                        \"Outstanding_Balance_UnSecured_Percentage\": \"20\",\n                        \"Outstanding_Balance_All\": \"560000\"\n                    }\n                },\n                \"CAIS_Account_DETAILS\": [\n                    {\n                        \"Identification_Number\": \"PVT123456789\",\n                        \"Subscriber_Name\": \"HDFC BANK\",\n                        \"Account_Number\": \"XXXXXX9087\",\n                        \"Portfolio_Type\": \"I\",\n                        \"Account_Type\": \"01\",\n                        \"Open_Date\": \"20220115\",\n                        \"Credit_Limit_Amount\": \"150000\",\n                        \"Highest_Credit_or_Original_Loan_Amount\": \"500000\",\n                        \"Terms_Duration\": \"036\",\n                        \"Terms_Frequency\": \"M\",\n                        \"Scheduled_Monthly_Payment_Amount\": \"15432\",\n                        \"Account_Status\": \"11\",\n                        \"Payment_Rating\": \"0\",\n                        \"Payment_History_Profile\": \"000000000000000000000000000000\",\n                        \"Special_Comment\": \"\",\n                        \"Current_Balance\": \"325000\",\n                        \"Amount_Past_Due\": \"0\",\n                        \"Original_Charge_Off_Amount\": \"\",\n                        \"Date_Reported\": \"20250815\",\n                        \"Date_of_First_Delinquency\": \"\",\n                        \"Date_Closed\": \"\",\n                        \"Date_of_Last_Payment\": \"20250810\",\n                        \"SuitFiledWillfulDefaultWrittenOffStatus\": \"\",\n                        \"SuitFiled_WillfulDefault\": \"00\",\n                        \"Written_off_Settled_Status\": \"\",\n                        \"Value_of_Credits_Last_Month\": \"50000\",\n                        \"Occupation_Code\": \"03\",\n                        \"Settlement_Amount\": \"\",\n                        \"Value_of_Collateral\": \"750000\",\n                        \"Type_of_Collateral\": \"House\",\n                        \"Written_Off_Amt_Total\": \"0\",\n                        \"Written_Off_Amt_Principal\": \"0\",\n                        \"Rate_of_Interest\": \"9.5\",\n                        \"Repayment_Tenure\": \"36\",\n                        \"Promotional_Rate_Flag\": \"\",\n                        \"Income\": \"850000\",\n                        \"Income_Indicator\": \"A\",\n                        \"Income_Frequency_Indicator\": \"Y\",\n                        \"DefaultStatusDate\": \"\",\n                        \"LitigationStatusDate\": \"\",\n                        \"WriteOffStatusDate\": \"\",\n                        \"DateOfAddition\": \"20220201\",\n                        \"CurrencyCode\": \"INR\",\n                        \"Subscriber_comments\": \"\",\n                        \"Consumer_comments\": \"\",\n                        \"AccountHoldertypeCode\": \"1\",\n                        \"CAIS_Account_History\": [],\n                        \"CAIS_Holder_Details\": [],\n                        \"CAIS_Holder_Address_Details\": [],\n                        \"CAIS_Holder_Phone_Details\": [],\n                        \"CAIS_Holder_ID_Details\": [],\n                        \"Account_Review_Data\": []\n                    }\n                ]\n            },\n            \"Match_result\": {\n                \"Exact_match\": \"Y\"\n            },\n            \"TotalCAPS_Summary\": {\n                \"TotalCAPSLast7Days\": \"2\",\n                \"TotalCAPSLast30Days\": \"5\",\n                \"TotalCAPSLast90Days\": \"12\",\n                \"TotalCAPSLast180Days\": \"20\"\n            },\n            \"CAPS\": {\n                \"CAPS_Summary\": {\n                    \"CAPSLast7Days\": \"1\",\n                    \"CAPSLast30Days\": \"2\",\n                    \"CAPSLast90Days\": \"3\",\n                    \"CAPSLast180Days\": \"4\"\n                },\n                \"CAPS_Application_Details\": {\n                    \"Subscriber_code\": \"NBF12345\",\n                    \"Subscriber_Name\": \"BAJAJ FINSERV\",\n                    \"Date_of_Request\": \"20250810\",\n                    \"ReportTime\": \"120045\",\n                    \"ReportNumber\": \"1765432987654\",\n                    \"Enquiry_Reason\": \"01\",\n                    \"Finance_Purpose\": \"11\",\n                    \"Amount_Financed\": \"250000\",\n                    \"Duration_Of_Agreement\": \"24\"\n                }\n            },\n            \"NonCreditCAPS\": {\n                \"NonCreditCAPS_Summary\": {\n                    \"NonCreditCAPSLast7Days\": \"0\",\n                    \"NonCreditCAPSLast30Days\": \"1\",\n                    \"NonCreditCAPSLast90Days\": \"1\",\n                    \"NonCreditCAPSLast180Days\": \"2\"\n                },\n                \"CAPS_Application_Details\": [\n                    {\n                        \"Subscriber_code\": \"NBF98765\",\n                        \"Subscriber_Name\": \"ICICI BANK\",\n                        \"Date_of_Request\": \"20250801\",\n                        \"ReportTime\": \"081500\",\n                        \"ReportNumber\": \"1765432900012\",\n                        \"Enquiry_Reason\": \"02\",\n                        \"Finance_Purpose\": \"10\",\n                        \"Amount_Financed\": \"0\",\n                        \"Duration_Of_Agreement\": \"0\"\n                    }\n                ]\n            },\n            \"SCORE\": {\n                \"FCIREXScore\": 756,\n                \"FCIREXScoreConfidLevel\": \"High\"\n            }\n        }\n    },\n    \"message\": \"Normal Response\"\n}\n"},{"id":"7f478281-45d8-4103-8554-c7896c63add9","name":"No Record Found 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includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"831-9WJ6Zuf9EtPpZXxWvF7NCFaOqtU\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-21T06:36:31.947Z\",\n    \"transaction_id\": \"TXN-UAT-4d17d4cc-d6e2-4027-9bc6-ff67013f4716\",\n    \"status\": \"success\",\n    \"data\": {\n        \"pan\": \"NAXPS6XXXX\",\n        \"name\": \"AMAN FANG\",\n        \"mobile\": \"982344XXXX\",\n        \"credit_score\": 8,\n        \"client_id\": \"REQ39516acb9ded49b6a292e2c39668f7b3\",\n        \"credit_report\": {\n            \"CreditProfileHeader\": {\n                \"ReportDate\": 20260421,\n                \"ReportTime\": 120631,\n                \"Version\": \"V2.4\",\n                \"ReportNumber\": \"7455765636436\"\n            },\n            \"Current_Application\": {\n                \"Current_Application_Details\": {\n                    \"Enquiry_Reason\": \"99\",\n                    \"Finance_Purpose\": \"99\",\n                    \"Amount_Financed\": \"0\",\n                    \"Duration_Of_Agreement\": \"1\",\n                    \"Current_Applicant_Details\": {\n                        \"Last_Name\": \"FANG\",\n                        \"First_Name\": \"AMAN\",\n                        \"Middle_Name1\": \"\",\n                        \"Middle_Name2\": \"\",\n                        \"Middle_Name3\": \"\",\n                        \"Gender_Code\": \"1\",\n                        \"IncomeTaxPan\": \"NAXPS6XXXX\",\n                        \"PAN_Issue_Date\": \"\",\n                        \"PAN_Expiration_Date\": \"\",\n                        \"Passport_Number\": \"\",\n                        \"Passport_Issue_Date\": \"\",\n                        \"Passport_Expiration_Date\": \"\",\n                        \"Voter_s_Identity_Card\": \"\",\n                        \"Voter_ID_Issue_Date\": \"\",\n                        \"Voter_ID_Expiration_Date\": \"\",\n                        \"Driver_License_Number\": \"\",\n                        \"Driver_License_Issue_Date\": \"\",\n                        \"Driver_License_Expiration_Date\": \"\",\n                        \"Ration_Card_Number\": \"\",\n                        \"Ration_Card_Issue_Date\": \"\",\n                        \"Ration_Card_Expiration_Date\": \"\",\n                        \"Universal_ID_Number\": \"\",\n                        \"Universal_ID_Issue_Date\": \"\",\n                        \"Universal_ID_Expiration_Date\": \"\",\n                        \"Date_Of_Birth_Applicant\": \"\",\n                        \"Telephone_Number_Applicant_1st\": \"9823445674\",\n                        \"Telephone_Extension\": \"\",\n                        \"Telephone_Type\": \"\",\n                        \"MobilePhoneNumber\": \"9823445674\",\n                        \"EMailId\": \"\"\n                    },\n                    \"Current_Other_Details\": {\n                        \"Income\": \"0\",\n                        \"Marital_Status\": \"\",\n                        \"Employment_Status\": \"\",\n                        \"Time_with_Employer\": \"\",\n                        \"Number_of_Major_Credit_Card_Held\": \"\"\n                    },\n                    \"Current_Applicant_Address_Details\": {\n                        \"FlatNoPlotNoHouseNo\": \"DEFAULT\",\n                        \"BldgNoSocietyName\": \"\",\n                        \"RoadNoNameAreaLocality\": \"\",\n                        \"City\": \"Mumbai\",\n                        \"Landmark\": \"\",\n                        \"State\": \"27\",\n                        \"PINCode\": \"400048\",\n                        \"Country_Code\": \"IB\"\n                    },\n                    \"Current_Applicant_Additional_AddressDetails\": \"\"\n                }\n            },\n            \"Match_result\": {\n                \"Exact_match\": \"N\"\n            },\n            \"SCORE\": {\n                \"FCIREXScore\": 8,\n                \"FCIREXScoreConfidLevel\": \"L\"\n            },\n            \"CAIS_Account\": {\n                \"CAIS_Summary\": {},\n                \"CAIS_Account_DETAILS\": []\n            },\n            \"CAPS\": {\n                \"CAPS_Summary\": {},\n                \"CAPS_Application_Details\": []\n            },\n            \"NonCreditCAPS\": {\n                \"NonCreditCAPS_Summary\": {},\n                \"CAPS_Application_Details\": []\n            },\n            \"TotalCAPS_Summary\": {}\n        }\n    },\n    \"message\": \"SYS100004 (No record found)\"\n}"},{"id":"2314fbbf-ea8f-4210-9726-6f62b848ed84","name":"Invalid PAN (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"MYPPS83XXXX\"\n \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Tue, 21 Apr 2026 10:27:17 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"152"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"98-NezFSx/hPZYyqIBXEt7FXIiPY+Q\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-21T10:27:17.000Z\",\n    \"transaction_id\": \"TXN-PROD-b62b833e-6bac-4c7a-8f10-a05757b2dfb0\",\n    \"error_message\": \"Invalid PAN\"\n}"}],"_postman_id":"b50a8caf-9516-46f8-8f1b-9c84561f694a"}],"id":"4b8aae33-477a-4d2c-b21f-fa6d96ca2756","description":"<hr />\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"56ba2ea8-2874-467b-b5ff-2747953fedd9","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"f5b64b5c-3f97-48cb-b0e1-29ad88e613a7","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"4b8aae33-477a-4d2c-b21f-fa6d96ca2756"},{"name":"Equifax","item":[{"name":"Equifax","id":"6ed1513e-ebf7-4305-928e-4aad26e4e308","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"firstName\": \"SATHISH\",\r\n    \"middleName\": \"KUMAR\",\r\n    \"lastName\": \"RAO\",\r\n    \"dob\": \"1993-03-13\",\r\n    \"address\": \"NO-223 NACHIANNAN ANGANNAN STREET\",\r\n    \"state\": \"TN\",\r\n    \"postal\": \"641045\",\r\n    \"mobileNumber\": \"8122244473\",\r\n    \"idType\": \"PAN\",\r\n    \"idValue\": \"BUXPS2681D\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/equifax","description":"<h3 id=\"introduction\">Introduction</h3>\n<p>The <strong>Equifax Individual API</strong> is used to retrieve detailed credit report information for an individual. This includes personal details, credit score, loan and credit card history, and a summary of credit inquiries made on the individual. The API provides real-time access to the Equifax database to ensure accurate and up-to-date credit information.</p>\n<hr />\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Pre-loan Credit Evaluation</strong> Used by financial institutions to assess an individual’s creditworthiness before issuing personal, home, or auto loans.</p>\n</li>\n<li><p><strong>Credit Card Issuance</strong> Helps credit card providers verify identity and evaluate the risk profile of an applicant.</p>\n</li>\n<li><p><strong>Tenant Screening by Landlords</strong> Property managers can evaluate a potential tenant’s credit reliability.</p>\n</li>\n<li><p><strong>Employment Background Checks</strong> Select employers use this API to assess candidates for financially sensitive roles.</p>\n</li>\n<li><p><strong>KYC &amp; Risk Profiling by Fintechs</strong> Used to supplement Know Your Customer (KYC) processes with detailed credit behavior data.</p>\n</li>\n</ol>\n<hr />\n<h3 id=\"api-details\">API Details</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Production)</strong></td>\n<td><code>https://live.totalekyc.com/api/credit-report/individual/equifax</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"authentication-header\">Authentication Header</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body-json\">Request Body (JSON)</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"firstName\": \"SATHISH\",\n  \"middleName\": \"KUMAR\",\n  \"lastName\": \"RAO\",\n  \"dob\": \"1993-03-13\",\n  \"address\": \"NO-223 NACHIANNAN ANGANNAN STREET\",\n  \"state\": \"TN\",\n  \"postal\": \"641045\",\n  \"mobileNumber\": \"8122244473\",\n  \"idType\": \"PAN\",\n  \"idValue\": \"BUXPS2681D\"\n}\n\n</code></pre>\n<hr />\n<h3 id=\"request-parameters\">Request Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>firstName</code></td>\n<td>String</td>\n<td>User’s first name</td>\n<td>\"SATHISH\"</td>\n</tr>\n<tr>\n<td><code>middleName</code></td>\n<td>String</td>\n<td>User’s middle name (optional)</td>\n<td>\"KUMAR\"</td>\n</tr>\n<tr>\n<td><code>lastName</code></td>\n<td>String</td>\n<td>User’s last name</td>\n<td>\"RAO\"</td>\n</tr>\n<tr>\n<td><code>dob</code></td>\n<td>String</td>\n<td>Date of birth (YYYY-MM-DD)</td>\n<td>\"1993-03-13\"</td>\n</tr>\n<tr>\n<td><code>address</code></td>\n<td>String</td>\n<td>Full address of the user</td>\n<td>\"NO-223 NACHIANNAN ANGANNAN STREET\"</td>\n</tr>\n<tr>\n<td><code>state</code></td>\n<td>String</td>\n<td>State code</td>\n<td>\"TN\"</td>\n</tr>\n<tr>\n<td><code>postal</code></td>\n<td>String</td>\n<td>Postal code</td>\n<td>\"641045\"</td>\n</tr>\n<tr>\n<td><code>mobileNumber</code></td>\n<td>String</td>\n<td>User’s mobile number</td>\n<td>\"8122244473\"</td>\n</tr>\n<tr>\n<td><code>idType</code></td>\n<td>String</td>\n<td>Type of ID document (e.g., PAN)</td>\n<td>\"PAN\"</td>\n</tr>\n<tr>\n<td><code>idValue</code></td>\n<td>String</td>\n<td>Value of the provided ID</td>\n<td>\"BUXPS2681D\"</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-fields\">Response Fields</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>status</code></td>\n<td>Number</td>\n<td>HTTP status code</td>\n<td>200</td>\n</tr>\n<tr>\n<td><code>message</code></td>\n<td>String</td>\n<td>Success message</td>\n<td>\"Success\"</td>\n</tr>\n<tr>\n<td><code>client_id</code></td>\n<td>String</td>\n<td>Unique transaction ID</td>\n<td>\"TXN19...\"</td>\n</tr>\n<tr>\n<td><code>InquiryRequestInfo</code></td>\n<td>Object</td>\n<td>Input details submitted in the request</td>\n<td><code>{...}</code></td>\n</tr>\n<tr>\n<td><code>Score</code></td>\n<td>Array</td>\n<td>Score metadata</td>\n<td>[{...}]</td>\n</tr>\n<tr>\n<td><code>CCRResponse</code></td>\n<td>Object</td>\n<td>Credit report output</td>\n<td><code>{...}</code></td>\n</tr>\n<tr>\n<td><code>CCRResponse.Status</code></td>\n<td>String</td>\n<td>CIR response status</td>\n<td>\"1\"</td>\n</tr>\n<tr>\n<td><code>CCRResponse.CIRReportDataLst[0].Score[0].Value</code></td>\n<td>String</td>\n<td>Credit score value</td>\n<td>\"718\"</td>\n</tr>\n<tr>\n<td><code>CCRResponse.InquiryResponseHeader.HitCode</code></td>\n<td>String</td>\n<td>Hit status code (match quality indicator)</td>\n<td>\"10\"</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\">Latency Metrics</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Equifax Individual Report</td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-code\">Status Code</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Bad Request</td>\n<td>Invalid/missing parameters in request body</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Missing or invalid API key</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Check logs for more info</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n","urlObject":{"path":["api","credit-report","individual","equifax"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"0377975d-0c45-4f54-b0ca-01695782972b","name":"Equifax Credit Report","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"firstName\": \"SATHISH\",\r\n    \"middleName\": \"KUMAR\",\r\n    \"lastName\": \"RAO\",\r\n    \"dob\": \"1993-03-13\",\r\n    \"address\": \"NO-223 NACHIANNAN ANGANNAN STREET\",\r\n    \"state\": \"TN\",\r\n    \"postal\": \"641045\",\r\n    \"mobileNumber\": \"8122244473\",\r\n    \"idType\": \"PAN\",\r\n    \"idValue\": \"BUXPS2681D\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}\r\n\r\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/equifax"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 21 May 2025 11:30:30 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"4757"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"1295-UnJOXpEnDVJHnKFHGKv0FDO4oXM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-18T18:56:57.595Z\",\n    \"transaction_id\": \"6f1d5444-7d83-43b9-b825-0e078c8adf8c\",\n    \"status\": \"success\",\n    \"status_code\": 200,\n    \"data\": {\n        \"client_id\": \"TXN1a047a6b27264912b77833c036f25507\",\n        \"InquiryRequestInfo\": {\n            \"InquiryPurpose\": \"00\",\n            \"FirstName\": \"SATHISH\",\n            \"MiddleName\": \"KUMAR\",\n            \"LastName\": \"RAO\",\n            \"InquiryAddresses\": [\n                {\n                    \"seq\": \"1\",\n                    \"AddressType\": [\n                        \"H\"\n                    ],\n                    \"AddressLine1\": \"NO-223 NACHIANNAN ANGANNAN STREET\",\n                    \"State\": \"TN\",\n                    \"Postal\": \"641045\"\n                }\n            ],\n            \"InquiryPhones\": [\n                {\n                    \"seq\": \"1\",\n                    \"PhoneType\": [\n                        \"M\"\n                    ],\n                    \"Number\": \"8122244473\"\n                }\n            ],\n            \"IDDetails\": [\n                {\n                    \"seq\": \"1\",\n                    \"IDType\": \"PAN\",\n                    \"IDValue\": \"BUXPS2681D\",\n                    \"Source\": \"Inquiry\"\n                }\n            ],\n            \"DOB\": \"1993-03-13\",\n            \"MFIDetails\": {\n                \"FamilyDetails\": [\n                    {\n                        \"seq\": \"1\",\n                        \"AdditionalNameType\": \"K01\",\n                        \"AdditionalName\": \"F\"\n                    }\n                ]\n            }\n        },\n        \"Score\": [\n            {\n                \"Type\": \"ERS\",\n                \"Version\": \"4.0\"\n            }\n        ],\n        \"CCRResponse\": {\n            \"Status\": \"1\",\n            \"CIRReportDataLst\": [\n                {\n                    \"InquiryResponseHeader\": {\n                        \"CustomerCode\": \"HJBM\",\n                        \"CustRefField\": \"FINB-KYC360-IDCR-undefined\",\n                        \"ReportOrderNO\": \"1848943930\",\n                        \"ProductCode\": [\n                            \"IDCR\"\n                        ],\n                        \"SuccessCode\": \"1\",\n                        \"Date\": \"2025-03-19\",\n                        \"Time\": \"10:39:12\",\n                        \"HitCode\": \"10\",\n                        \"CustomerName\": \"HJBM\"\n                    },\n                    \"InquiryRequestInfo\": {\n                        \"InquiryPurpose\": \"Other\",\n                        \"FirstName\": \"SATHISH\",\n                        \"MiddleName\": \"KUMAR\",\n                        \"LastName\": \"RAO\",\n                        \"InquiryAddresses\": [\n                            {\n                                \"seq\": \"1\",\n                                \"AddressType\": [\n                                    \"H\"\n                                ],\n                                \"AddressLine1\": \"NO-223 NACHIANNAN ANGANNAN STREET\",\n                                \"State\": \"TN\",\n                                \"Postal\": \"641045\"\n                            }\n                        ],\n                        \"InquiryPhones\": [\n                            {\n                                \"seq\": \"1\",\n                                \"PhoneType\": [\n                                    \"M\"\n                                ],\n                                \"Number\": \"8122244473\"\n                            }\n                        ],\n                        \"IDDetails\": [\n                            {\n                                \"seq\": \"1\",\n                                \"IDType\": \"PAN\",\n                                \"IDValue\": \"BUXPS2681D\",\n                                \"Source\": \"Inquiry\"\n                            }\n                        ],\n                        \"DOB\": \"1993-03-13\",\n                        \"MFIDetails\": {\n                            \"FamilyDetails\": [\n                                {\n                                    \"seq\": \"1\",\n                                    \"AdditionalNameType\": \"K01\",\n                                    \"AdditionalName\": \"F\"\n                                }\n                            ]\n                        }\n                    },\n                    \"Score\": [\n                        {\n                            \"Type\": \"ERS\",\n                            \"Version\": \"4.0\"\n                        }\n                    ],\n                    \"CIRReportData\": {\n                        \"IDAndContactInfo\": {\n                            \"PersonalInfo\": {\n                                \"Name\": {\n                                    \"FullName\": \"SATHISHKUMAR SO MARIMUTHU \",\n                                    \"FirstName\": \"SATHISHKUMAR \",\n                                    \"MiddleName\": \"SO \",\n                                    \"LastName\": \"MARIMUTHU \"\n                                },\n                                \" AliasName\": {},\n                                \"DateOfBirth\": \"1986-03-06\",\n                                \"Gender\": \"Male\",\n                                \"Age\": {\n                                    \"Age\": \"39\"\n                                },\n                                \"PlaceOfBirthInfo\": {}\n                            },\n                            \"IdentityInfo\": {\n                                \"VoterID\": [\n                                    {\n                                        \"seq\": \"1\",\n                                        \"ReportedDate\": \"2019-09-13\",\n                                        \"IdNumber\": \"ROG0032698\"\n                                    }\n                                ]\n                            },\n                            \"AddressInfo\": [\n                                {\n                                    \"Seq\": \"1\",\n                                    \"ReportedDate\": \"2019-09-13\",\n                                    \"Address\": \"NO 223 RAMANATHAPURAM NACHIYANNANANKANNAN STREET  COIMBATORE SOUTH  NEAR BETA SHOWROOM SUPER MARKET COIMBATORE\",\n                                    \"State\": \"TN\",\n                                    \"Postal\": \"641045\",\n                                    \"Type\": \"Primary\"\n                                },\n                                {\n                                    \"Seq\": \"2\",\n                                    \"ReportedDate\": \"2019-09-13\",\n                                    \"Address\": \"SUPER PLASTICS OLYMBUS RAMANATHA PURAM N A THEVAR STREET  NEAR BETA SHOWROOM COIMBATORE\",\n                                    \"State\": \"TN\",\n                                    \"Postal\": \"641045\",\n                                    \"Type\": \"Office\"\n                                }\n                            ],\n                            \"PhoneInfo\": [\n                                {\n                                    \"seq\": \"1\",\n                                    \"typeCode\": \"M\",\n                                    \"ReportedDate\": \"2019-09-13\",\n                                    \"Number\": \"8122244473\"\n                                }\n                            ]\n                        },\n                        \"RetailAccountDetails\": [\n                            {\n                                \"seq\": \"1\",\n                                \"AccountNumber\": \"XXXXXX3694\",\n                                \"Institution\": \"Home Credit India Finance Private Limited\",\n                                \"AccountType\": \"Consumer Loan\",\n                                \"OwnershipType\": \"Individual\",\n                                \"Balance\": \"0\",\n                                \"PastDueAmount\": \"0\",\n                                \"Open\": \"No\",\n                                \"SanctionAmount\": \"8899\",\n                                \"LastPaymentDate\": \"2020-03-15\",\n                                \"DateReported\": \"2020-03-31\",\n                                \"DateOpened\": \"2019-09-13\",\n                                \"DateClosed\": \"2020-03-15\",\n                                \"Reason\": \"Closed Account\",\n                                \"TermFrequency\": \"Monthly\",\n                                \"AccountStatus\": \"Closed Account\",\n                                \"source\": \"INDIVIDUAL\",\n                                \"History48Months\": [\n                                    {\n                                        \"key\": \"03-20\",\n                                        \"PaymentStatus\": \"CLSD\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"02-20\",\n                                        \"PaymentStatus\": \"000\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"01-20\",\n                                        \"PaymentStatus\": \"000\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"12-19\",\n                                        \"PaymentStatus\": \"000\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"11-19\",\n                                        \"PaymentStatus\": \"000\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"10-19\",\n                                        \"PaymentStatus\": \"000\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    },\n                                    {\n                                        \"key\": \"09-19\",\n                                        \"PaymentStatus\": \"NEW\",\n                                        \"SuitFiledStatus\": \"*\",\n                                        \"AssetClassificationStatus\": \"*\"\n                                    }\n                                ]\n                            }\n                        ],\n                        \"RetailAccountsSummary\": {\n                            \"NoOfAccounts\": \"1\",\n                            \"NoOfActiveAccounts\": \"0\",\n                            \"NoOfWriteOffs\": \"0\",\n                            \"TotalPastDue\": \"0.00\",\n                            \"SingleHighestCredit\": \"0.00\",\n                            \"SingleHighestSanctionAmount\": \"0.00\",\n                            \"TotalHighCredit\": \"0.00\",\n                            \"SingleHighestBalance\": \"0.00\",\n                            \"NoOfPastDueAccounts\": \"0\",\n                            \"NoOfZeroBalanceAccounts\": \"0\",\n                            \"RecentAccount\": \"Consumer Loan on 13-09-2019\",\n                            \"OldestAccount\": \"Consumer Loan on 13-09-2019\",\n                            \"TotalBalanceAmount\": \"0.00\",\n                            \"TotalSanctionAmount\": \"0.00\",\n                            \"TotalCreditLimit\": \"0.0\",\n                            \"TotalMonthlyPaymentAmount\": \"0.00\"\n                        },\n                        \"ScoreDetails\": [\n                            {\n                                \"Type\": \"ERS\",\n                                \"Version\": \"4.0\",\n                                \"Name\": \"ERS4.0\",\n                                \"Value\": \"718\",\n                                \"ScoringElements\": [\n                                    {\n                                        \"type\": \"RES\",\n                                        \"seq\": \"1\",\n                                        \"code\": \"200\",\n                                        \"Description\": \"No Live Accounts\"\n                                    },\n                                    {\n                                        \"type\": \"RES\",\n                                        \"seq\": \"2\",\n                                        \"code\": \"204\",\n                                        \"Description\": \"Number of Home Loans\"\n                                    },\n                                    {\n                                        \"type\": \"RES\",\n                                        \"seq\": \"3\",\n                                        \"code\": \"205\",\n                                        \"Description\": \"Delinquency presence\"\n                                    }\n                                ]\n                            }\n                        ],\n                        \"EnquirySummary\": {\n                            \"Purpose\": \"ALL\",\n                            \"Total\": \"1\",\n                            \"Past30Days\": \"0\",\n                            \"Past12Months\": \"0\",\n                            \"Past24Months\": \"0\",\n                            \"Recent\": \"2019-12-18\"\n                        },\n                        \"OtherKeyInd\": {\n                            \"AgeOfOldestTrade\": \"66\",\n                            \"NumberOfOpenTrades\": \"0\",\n                            \"AllLinesEVERWritten\": \"0.00\",\n                            \"AllLinesEVERWrittenIn9Months\": \"0\",\n                            \"AllLinesEVERWrittenIn6Months\": \"0\"\n                        },\n                        \"RecentActivities\": {\n                            \"AccountsDeliquent\": \"0\",\n                            \"AccountsOpened\": \"0\",\n                            \"TotalInquiries\": \"0\",\n                            \"AccountsUpdated\": \"0\"\n                        }\n                    }\n                }\n            ]\n        }\n    }\n}"}],"_postman_id":"6ed1513e-ebf7-4305-928e-4aad26e4e308"}],"id":"9d490fbd-dfe9-4084-b239-227a71490307","description":"<hr />\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"46d21dde-a2c6-43a7-9e50-014e5d805de2","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"98c69b36-d446-44d6-bd7d-49631a67e65d","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"9d490fbd-dfe9-4084-b239-227a71490307"},{"name":"Prefill Report","item":[{"name":"Prefill","id":"b6a62773-c448-42b7-8a73-913c5f9f0dc3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":" {\n        \"firstName\" : \"SHAAM\",\n        \"middleName\" : \"\",\n        \"lastName\" : \"VERMA\",\n        \"mobileNumber\" : \"91781931XX\",\n    \"remark\": \"Optional client note or reference\"\n    }","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill","description":"<h3 id=\"introduction\"><strong>Introduction</strong></h3>\n<p>The <strong>Prefill API</strong> provides detailed identity and contact information derived from credit report–level data sources.</p>\n<p>Unlike standard auto-populate APIs, this API delivers <strong>verified and historical data points</strong> such as addresses, phone numbers, PAN IDs, and email addresses associated with an individual.</p>\n<p>It helps businesses in <strong>KYC enrichment</strong>, <strong>identity verification</strong>, <strong>risk profiling</strong>, and <strong>background validation</strong>.</p>\n<hr />\n<h3 id=\"use-cases\"><strong>Use Cases</strong></h3>\n<ul>\n<li><p><strong>KYC Data Enrichment:</strong> Retrieve verified and historical personal identity data using minimal inputs.</p>\n</li>\n<li><p><strong>Fraud &amp; Risk Analysis:</strong> Access verified sources to detect inconsistencies in identity data.</p>\n</li>\n<li><p><strong>Credit Profiling:</strong> Leverage credit report–linked information to validate authenticity and financial footprint.</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"api-details\"><strong>API Details</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Production</strong></td>\n<td><code>https://live.totalekyc.com/api/prefill</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td>Bearer</td>\n<td>Yes</td>\n<td>API access token</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n<td>Request content format</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>firstName</strong></td>\n<td>String</td>\n<td>User’s first name</td>\n<td>Yes</td>\n<td><code>\"SHAAM\"</code></td>\n</tr>\n<tr>\n<td><strong>middleName</strong></td>\n<td>String</td>\n<td>User’s middle name (optional)</td>\n<td>No</td>\n<td><code>\"\"</code></td>\n</tr>\n<tr>\n<td><strong>lastName</strong></td>\n<td>String</td>\n<td>User’s last name</td>\n<td>No</td>\n<td><code>\"VERMA\"</code></td>\n</tr>\n<tr>\n<td><strong>mobileNumber</strong></td>\n<td>String</td>\n<td>User’s mobile number</td>\n<td>Yes</td>\n<td><code>\"9178XX31XX\"</code></td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n<td><code>\"Optional client note or reference\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"sample-request\"><strong>Sample Request</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">curl --location --globoff 'https://live.totalekyc.com/api/prefill' \\\n--header &amp;#x27;Authorization: Bearer &lt;token&gt;&amp;#x27; \\\n--header 'Content-Type: application/json' \\\n--data '{\n    \"firstName\": \"SHAAM\",\n    \"middleName\": \"\",\n    \"lastName\": \"VERMA\",\n    \"mobileNumber\": \"9178XX31XX\",\n    \"remark\": \"Optional client note or reference\"\n}'\n\n</code></pre>\n<hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>data.client_id</strong></td>\n<td>String</td>\n<td>Unique client identifier (usually matches the transaction ID).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.FullName</strong></td>\n<td>String</td>\n<td>Full name of the individual.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.FirstName</strong></td>\n<td>String</td>\n<td>First name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.MiddleName</strong></td>\n<td>String</td>\n<td>Middle name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.LastName</strong></td>\n<td>String</td>\n<td>Last name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.AliasName</strong></td>\n<td>Object</td>\n<td>Alias name(s) if available.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.DateOfBirth</strong></td>\n<td>String (DD-MM-YYYY)</td>\n<td>Date of birth.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Gender</strong></td>\n<td>String</td>\n<td>Gender of the individual.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Age.Age</strong></td>\n<td>String</td>\n<td>Reported age.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.PlaceOfBirthInfo</strong></td>\n<td>Object</td>\n<td>Place of birth information (if available).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.TotalIncome</strong></td>\n<td>String</td>\n<td>Reported total income (if available).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Occupation</strong></td>\n<td>String</td>\n<td>Reported occupation.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.IdentityInfo.PANId[]</strong></td>\n<td>Array</td>\n<td>PAN card identification details.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.IdentityInfo.OtherId[]</strong></td>\n<td>Array</td>\n<td>Other reported identification numbers.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.AddressInfo[]</strong></td>\n<td>Array</td>\n<td>List of known addresses with reporting dates.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PhoneInfo[]</strong></td>\n<td>Array</td>\n<td>List of reported phone numbers with type and reporting dates.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.EmailAddressInfo[]</strong></td>\n<td>Array</td>\n<td>List of reported email addresses with reporting dates.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\"><strong>Latency Metrics</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Prefill</strong></td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Missing parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Unprocessble Entity</td>\n<td>Invalid Input Data</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"protocol":"https","path":["api","prefill"],"host":["live","totalekyc","com"],"query":[],"variable":[]}},"response":[{"id":"f61aec7f-3530-4965-a73a-5d38da2edfba","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":" {\n        \"firstName\" : \"SHAAM\",\n        \"middleName\" : \"\",\n        \"lastName\" : \"VERMA\",\n        \"mobileNumber\" : \"9178XX31XX\",\n    \"remark\": \"Optional client note or reference\"\n    }","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 11:03:12 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"2018"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"7e2-Bg4Lq/v3tCbU+U9D4rPbReD7UCk\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-25T07:31:14.233Z\",\n    \"transaction_id\": \"TXN-7ed69cdf-1a20-4a40-a0b6-6b43f1d06a10\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"TXN-7ed69cdf-1a20-4a40-a0b6-6b43f1d06a10\",\n        \"CIRReportData\": {\n            \"IDAndContactInfo\": {\n                \"PersonalInfo\": {\n                    \"Name\": {\n                        \"FullName\": \"SHAAM PRATAP VERMA\",\n                        \"FirstName\": \"SHAAM\",\n                        \"MiddleName\": \"PRATAP\",\n                        \"LastName\": \"VERMA\"\n                    },\n                    \"AliasName\": {},\n                    \"DateOfBirth\": \"17-1-1981\",\n                    \"Gender\": \"\",\n                    \"Age\": {\n                        \"Age\": \"41\"\n                    },\n                    \"PlaceOfBirthInfo\": {},\n                    \"TotalIncome\": \"\",\n                    \"Occupation\": \"\"\n                },\n                \"IdentityInfo\": {\n                    \"PANId\": [\n                        {\n                            \"seq\": \"1\",\n                            \"ReportedDate\": \"30-11-2024\",\n                            \"IdNumber\": \"BBAPM855XX\"\n                        }\n                    ],\n                    \"NationalIDCard\": [],\n                    \"OtherId\": [\n                        {\n                            \"seq\": \"1\",\n                            \"ReportedDate\": \"31-12-2020\",\n                            \"IdNumber\": \"S00489XX\"\n                        },\n                        {\n                            \"seq\": \"1\",\n                            \"ReportedDate\": \"30-11-2024\",\n                            \"IdNumber\": \"XXXXXXXX4568\"\n                        }\n                    ]\n                },\n                \"AddressInfo\": [\n                    {\n                        \"Seq\": \"1\",\n                        \"ReportedDate\": \"15-08-2025\",\n                        \"Address\": \"C/O: SIFT CHANDRA MISHRA PLOT NO-1787/2715 RAM NAGAR LANE-10 ANDILO ANDILO HANSAPAL JHASI DHOLAKPUR 752101 OR \",\n                        \"State\": \"OR\",\n                        \"Postal\": \"752111\",\n                        \"Type\": \"\"\n                    },\n                    {\n                        \"Seq\": \"2\",\n                        \"ReportedDate\": \"15-08-2025\",\n                        \"Address\": \"ASHWINI HOSPITAL CUTTACK SECTOR 2 CDA SATICHOURA 753002 OR \",\n                        \"State\": \"OR\",\n                        \"Postal\": \"753002\",\n                        \"Type\": \"\"\n                    },\n                    {\n                        \"Seq\": \"3\",\n                        \"ReportedDate\": \"15-08-2025\",\n                        \"Address\": \"PLOT NO 1787 2715 SIBASHAKTI SHAAM LANE 10 SIBASHAKTI NAGAR LANE 10  NEAR DHOLAKPUR SATELITE CITY 752101 OR \",\n                        \"State\": \"OR\",\n                        \"Postal\": \"7521XX\",\n                        \"Type\": \"\"\n                    }\n                ],\n                \"PhoneInfo\": [\n                    {\n                        \"seq\": \"1\",\n                        \"typeCode\": \"H\",\n                        \"ReportedDate\": \"15-08-2025\",\n                        \"Number\": \"919178XX31XX\"\n                    },\n                    {\n                        \"seq\": \"2\",\n                        \"typeCode\": \"H\",\n                        \"ReportedDate\": \"30-11-2024\",\n                        \"Number\": \"917819XX1XX\"\n                    },\n                    {\n                        \"seq\": \"3\",\n                        \"typeCode\": \"H\",\n                        \"ReportedDate\": \"31-08-2022\",\n                        \"Number\": \"00919178XX31XX\"\n                    }\n                ],\n                \"EmailAddressInfo\": [\n                    {\n                        \"seq\": \"1\",\n                        \"ReportedDate\": \"15-08-2025\",\n                        \"EmailAddress\": \"BHXK\"\n                    },\n                    {\n                        \"seq\": \"2\",\n                        \"ReportedDate\": \"30-11-2024\",\n                        \"EmailAddress\": \"BHAXXXXXN@BRAAHXXXN.ORG\"\n                    },\n                    {\n                        \"seq\": \"3\",\n                        \"ReportedDate\": \"30-11-2024\",\n                        \"EmailAddress\": \"SHAAM.MISHXX@GMAIL.COM\"\n                    }\n                ]\n            }\n        }\n    }\n}"},{"id":"4b217ec9-29e0-4c97-9515-13f1111177f4","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":" {\n        \"firstName\" : \"SHAAM\",\n        \"middleName\" : \"\",\n        \"lastName\" : \"\",\n        \"mobileNumber\" : \"917819319\",\n    \"remark\": \"Optional client note or reference\"\n    }","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"b6a62773-c448-42b7-8a73-913c5f9f0dc3"},{"name":"Prefill V2","id":"b5ca32da-078f-4bfc-8413-60b0bb4c3a2a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\":\"XXXXXXX031\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill/v2","description":"<h3 id=\"introduction\"><strong>Introduction</strong></h3>\n<p>The <strong>Prefill V2 API</strong> provides detailed identity and contact information derived from credit report–level data sources.</p>\n<p>Unlike standard auto-populate APIs, this API delivers <strong>verified and historical data points</strong> such as addresses, phone numbers, PAN IDs, and email addresses associated with an individual.</p>\n<p>It helps businesses in <strong>KYC enrichment</strong>, <strong>identity verification</strong>, <strong>risk profiling</strong>, and <strong>background validation</strong>.</p>\n<hr />\n<h3 id=\"use-cases\"><strong>Use Cases</strong></h3>\n<ul>\n<li><p><strong>KYC Data Enrichment:</strong> Retrieve verified and historical personal identity data using minimal inputs.</p>\n</li>\n<li><p><strong>Fraud &amp; Risk Analysis:</strong> Access verified sources to detect inconsistencies in identity data.</p>\n</li>\n<li><p><strong>Credit Profiling:</strong> Leverage credit report–linked information to validate authenticity and financial footprint.</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"api-details\"><strong>API Details</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Production</strong></td>\n<td><code>https://live.totalekyc.com/api/prefill/v2</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td>Bearer</td>\n<td>Yes</td>\n<td>API access token</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n<td>Request content format</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>mobile_no</strong></td>\n<td>String</td>\n<td>User’s mobile number</td>\n<td>Yes</td>\n<td><code>\"9178XX31XX\"</code></td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n<td><code>\"Optional client note or reference\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"sample-request\"><strong>Sample Request</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">curl --location --globoff 'https://live.totalekyc.com/api/prefill' \\\n--header &amp;#x27;Authorization: Bearer &lt;token&gt;&amp;#x27; \\\n--header 'Content-Type: application/json' \\\n--data '{\n    \"mobile_no\": \"9178XX31XX\",\n    \"remark\": \"Optional client note or reference\"\n}'\n\n</code></pre>\n<hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>data.client_id</strong></td>\n<td>String</td>\n<td>Unique client identifier (usually matches the transaction ID).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.FullName</strong></td>\n<td>String</td>\n<td>Full name of the individual.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.FirstName</strong></td>\n<td>String</td>\n<td>First name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.MiddleName</strong></td>\n<td>String</td>\n<td>Middle name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Name.LastName</strong></td>\n<td>String</td>\n<td>Last name.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.AliasName</strong></td>\n<td>Object</td>\n<td>Alias name(s) if available.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.DateOfBirth</strong></td>\n<td>String (DD-MM-YYYY)</td>\n<td>Date of birth.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Gender</strong></td>\n<td>String</td>\n<td>Gender of the individual.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Age.Age</strong></td>\n<td>String</td>\n<td>Reported age.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.PlaceOfBirthInfo</strong></td>\n<td>Object</td>\n<td>Place of birth information (if available).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.TotalIncome</strong></td>\n<td>String</td>\n<td>Reported total income (if available).</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PersonalInfo.Occupation</strong></td>\n<td>String</td>\n<td>Reported occupation.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.IdentityInfo.PANId[]</strong></td>\n<td>Array</td>\n<td>PAN card identification details.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.IdentityInfo.OtherId[]</strong></td>\n<td>Array</td>\n<td>Other reported identification numbers.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.AddressInfo[]</strong></td>\n<td>Array</td>\n<td>List of known addresses with reporting dates.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.PhoneInfo[]</strong></td>\n<td>Array</td>\n<td>List of reported phone numbers with type and reporting dates.</td>\n</tr>\n<tr>\n<td><strong>data.CIRReportData.IDAndContactInfo.EmailAddressInfo[]</strong></td>\n<td>Array</td>\n<td>List of reported email addresses with reporting dates.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\"><strong>Latency Metrics</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Prefill V2</strong></td>\n<td>500–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Missing parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Unprocessble Entity</td>\n<td>Invalid Input Data</td>\n<td>Partial (0.05r)</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","prefill","v2"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"353b3280-8419-4bed-9cc6-4d600db5b15e","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\":\"XXXXXXXX21\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill/v2"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 17 Jul 2025 12:06:39 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"1347"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"543-czxNG4iFIMYkCY3CpumGoASyBn8\""}],"cookie":[],"responseTime":null,"body":"{\n  \"timestamp\": \"2025-07-17T12:06:39.934Z\",\n  \"transaction_id\": \"TXN-1796a0bb-ddb7-4810-a20f-0306bc703d96\",\n  \"status\": \"success\",\n  \"data\": {\n    \"IDAndContactInfo\": {\n      \"PersonalInfo\": {\n        \"Name\": {\n          \"FullName\": \"RAHUL VERMA\",\n          \"FirstName\": \"RAHUL\",\n          \"MiddleName\": \"\",\n          \"LastName\": \"VERMA\"\n        },\n        \"AliasName\": {},\n        \"DateOfBirth\": \"15-08-1999\",\n        \"Gender\": \"M\",\n        \"Age\": {\n          \"Age\": \"25\"\n        },\n        \"PlaceOfBirthInfo\": {},\n        \"TotalIncome\": \"₹7,50,000\",\n        \"Occupation\": \"Software Engineer\"\n      },\n      \"IdentityInfo\": {\n        \"PANId\": [\n          {\n            \"seq\": \"1\",\n            \"ReportedDate\": \"15-03-2023\",\n            \"IdNumber\": \"ABCDE1234F\"\n          }\n        ],\n        \"NationalIDCard\": [\n          {\n            \"seq\": \"1\",\n            \"ReportedDate\": \"10-10-2020\",\n            \"IdNumber\": \"TN150899901234\"\n          }\n        ],\n        \"OtherId\": []\n      },\n      \"AddressInfo\": [\n        {\n          \"Seq\": \"1\",\n          \"ReportedDate\": \"01-07-2025\",\n          \"Address\": \"B-104, Green Residency, Hinjewadi Phase 1, Pune, Maharashtra\",\n          \"State\": \"MH\",\n          \"Postal\": \"411057\",\n          \"Type\": \"Current\"\n        },\n        {\n          \"Seq\": \"2\",\n          \"ReportedDate\": \"15-03-2023\",\n          \"Address\": \"123, Shastri Nagar, Sector 22, Jaipur, Rajasthan\",\n          \"State\": \"RJ\",\n          \"Postal\": \"302016\",\n          \"Type\": \"Permanent\"\n        },\n        {\n          \"Seq\": \"3\",\n          \"ReportedDate\": \"15-03-2023\",\n          \"Address\": \"123, Shastri Nagar, Sector 22, Jaipur, Rajasthan\",\n          \"State\": \"RJ\",\n          \"Postal\": \"302016\",\n          \"Type\": \"Permanent\"\n        }\n      ],\n      \"PhoneInfo\": [\n        {\n          \"seq\": \"1\",\n          \"typeCode\": \"M\",\n          \"ReportedDate\": \"01-01-2025\",\n          \"Number\": \"9876543210\"\n        },\n        {\n          \"seq\": \"2\",\n          \"typeCode\": \"H\",\n          \"ReportedDate\": \"15-03-2023\",\n          \"Number\": \"919876543210\"\n        }\n      ],\n      \"EmailAddressInfo\": [\n        {\n          \"seq\": \"1\",\n          \"ReportedDate\": \"15-03-2023\",\n          \"EmailAddress\": \"rahul.verma@example.com\"\n        }\n      ]\n    }\n  }\n}\n"},{"id":"ba12f13f-0ac8-4402-9386-c591a5b0b872","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\":\"637819421\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill/v2"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 17 Jul 2025 12:08:05 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-oG45uMTe+k5xg16pKRj4nQzH9z8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"b5ca32da-078f-4bfc-8413-60b0bb4c3a2a"},{"name":"Prefill Plus","id":"dff6ad65-ac47-4f2f-8e1c-69e11d6c39d3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Yogesh\",\n    \"middleName\": \"\",\n    \"lastName\": \"Kumar\",\n    \"mobileNumber\": \"61721449XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill-plus","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The Prefill Plus API enables retrieval of enriched personal, identity, contact, and address information using basic individual details such as name and mobile number. This API is designed to support faster onboarding and identity enrichment.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ul>\n<li><p><strong>Identity Enrichment</strong>: Fetch PAN, CKYC, contact, and address data from a single request</p>\n</li>\n<li><p><strong>Form Prefill</strong>: Reduce manual data entry for end users</p>\n</li>\n<li><p><strong>Risk &amp; Background Checks</strong>: Cross-verify identity attributes across sources</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Production:</strong> <code>https://live.totalekyc.com/api/prefill-plus</code></td>\n</tr>\n<tr>\n<td><strong>Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Auth</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<p><strong>JSON</strong></p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>firstName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s first name</td>\n</tr>\n<tr>\n<td>middleName</td>\n<td>String</td>\n<td>No</td>\n<td>Individual’s middle name (can be empty)</td>\n</tr>\n<tr>\n<td>lastName</td>\n<td>String</td>\n<td>Yes</td>\n<td>Individual’s last name</td>\n</tr>\n<tr>\n<td>mobileNumber</td>\n<td>String</td>\n<td>Yes</td>\n<td>Mobile number of the individual</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"sample-request\">Sample Request</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"firstName\": \"Yogesh\",\n  \"middleName\": \"\",\n  \"lastName\": \"Kumar\",\n  \"mobileNumber\": \"63721959XX\"\n}\n\n</code></pre>\n<hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>status</td>\n<td>String</td>\n<td>Request status (<code>success</code> / <code>failed</code>)</td>\n</tr>\n<tr>\n<td>data.personal_info.full_name</td>\n<td>String</td>\n<td>Full name of the individual</td>\n</tr>\n<tr>\n<td>data.personal_info.dob</td>\n<td>String</td>\n<td>Date of birth (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.personal_info.gender</td>\n<td>String</td>\n<td>Gender of the individual</td>\n</tr>\n<tr>\n<td>data.identity_info[].type</td>\n<td>String</td>\n<td>Identity type (e.g., PAN, CKYC)</td>\n</tr>\n<tr>\n<td>data.identity_info[].number</td>\n<td>String</td>\n<td>Identity number</td>\n</tr>\n<tr>\n<td>data.consumer_info.telephone_info[].type</td>\n<td>String</td>\n<td>Phone number classification</td>\n</tr>\n<tr>\n<td>data.consumer_info.telephone_info[].number</td>\n<td>String</td>\n<td>Phone number</td>\n</tr>\n<tr>\n<td>data.consumer_info.email_info[]</td>\n<td>String</td>\n<td>Email addresses linked to the individual</td>\n</tr>\n<tr>\n<td>data.address_info[].type</td>\n<td>String</td>\n<td>Address type (Residence, Permanent, etc.)</td>\n</tr>\n<tr>\n<td>data.address_info[].address</td>\n<td>String</td>\n<td>Full address text</td>\n</tr>\n<tr>\n<td>data.address_info[].state</td>\n<td>String</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.address_info[].postal_code</td>\n<td>String</td>\n<td>Pincode / Postal code</td>\n</tr>\n<tr>\n<td>data.employment_info</td>\n<td>Array</td>\n<td>Employment details (empty if unavailable)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\">Latency Metrics</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Prefill Plus API</td>\n<td>700–1500 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Content</td>\n<td>No data found for provided inputs</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Bad Request</td>\n<td>Missing parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Missing Bearer token</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Unprocessable Entity</td>\n<td>Error From Bureau Side</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Server Error</td>\n<td>Internal server error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","prefill-plus"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"2871741d-7114-4f20-82c7-afef6c48acc6","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Yogesh\",\n    \"middleName\": \"\",\n    \"lastName\": \"Kumar\",\n    \"mobileNumber\": \"63721449XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill-plus"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Fri, 19 Dec 2025 13:21:59 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"982"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"3d6-KI2IFQZZ2qaNLqWHHE0mi79cMwI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-12-19T13:21:59.932Z\",\n    \"transaction_id\": \"TXN-18d418d5-609d-4c84-9230-5540469e82b5\",\n    \"status\": \"success\",\n    \"data\": {\n        \"personal_info\": {\n            \"full_name\": \"YOGESH KUMAR\",\n            \"dob\": \"2002-01-11\",\n            \"gender\": \"MALE\"\n        },\n        \"identity_info\": [\n            {\n                \"type\": \"PAN\",\n                \"number\": \"HEQPD428XX\"\n            },\n            {\n                \"type\": \"CKYC\",\n                \"number\": \"100901558534XX\"\n            }\n        ],\n        \"consumer_info\": {\n            \"telephone_info\": [\n                {\n                    \"type\": \"MOBILE_PHONE\",\n                    \"number\": \"63182949XX\"\n                },\n                {\n                    \"type\": \"NOT_CLASSIFIED\",\n                    \"number\": \"61782949XX\"\n                }\n            ],\n            \"email_info\": [\n                \"YOGESH.KUMAR1011@GMAIL.COM\",\n                \"YOGESH.KUMAR1011@GMAIL.COM\"\n            ]\n        },\n        \"address_info\": [\n            {\n                \"type\": \"NOT_CATEGORIZED\",\n                \"address\": \"SHOBHA UNIVERSITY VILLAGE JHASLA RAJASTHAN\",\n                \"state\": \"PANJAB\",\n                \"postal_code\": \"140111\",\n                \"reported_date\": \"31-12-2022\"\n            },\n            {\n                \"type\": \"RESIDENCE_ADDRESS\",\n                \"address\": \"C O RAJIT KUMAR  WARD NO 09 NILIBANGA HANUMANPUR GUJRAT\",\n                \"state\": \"GURJAT\",\n                \"postal_code\": \"315230\",\n                \"reported_date\": \"31-12-2022\"\n            },\n            { \n                \"type\": \"RESIDENCE_ADDRESS\",\n                \"address\": \"C O RAJIT KUMAR  WARD NO 09 NILIBANGA HANUMANPUR GUJRAT\",\n                \"state\": \"GURJAT\",\n                \"postal_code\": \"315230\",\n                \"reported_date\": \"31-12-2022\"\n            }\n        ],\n        \"employment_info\": []\n    }\n}"},{"id":"79dd1c63-a262-4880-aec3-eab7e744d0a5","name":"No Data Found (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Amandeep\",\n    \"middleName\": \"\",\n    \"lastName\": \"Singh\",\n    \"mobileNumber\": \"97524644XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill-plus"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Fri, 19 Dec 2025 13:22:32 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"155"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9b-PtU0HdIBaRBgPeLmx5TbrkRuqJI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-12-19T13:22:32.450Z\",\n    \"transaction_id\": \"TXN-558d6d11-b3d2-44cf-b8a8-60d3b32a17e2\",\n    \"status\": \"success\",\n    \"data\": {},\n    \"message\": \"No data found\"\n}"},{"id":"56234922-b4f0-4026-9714-6776a1f8481d","name":"Bad Request(400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"firstName\": \"Yogesh\",\n    \"middleName\": \"\",\n    \"lastName\": \"Kumar\",\n    \"mobileNumber\": \"63682959X\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/prefill-plus"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Fri, 19 Dec 2025 13:29:51 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"79"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4f-ioRfAro9NZjFQhEmF7wyXrUd488\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobileNumber\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"dff6ad65-ac47-4f2f-8e1c-69e11d6c39d3"}],"id":"57b292f7-0126-4781-ac02-89d38a9763f3","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"ef8eb650-e147-44f8-ad56-e648c8aeed65","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"55ac05e0-893b-4a49-a0d5-e94d81bd51ab","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"57b292f7-0126-4781-ac02-89d38a9763f3","description":""},{"name":"PAN","item":[{"name":"PAN BASIC","id":"5e8d01f0-2b1b-4c46-9a8c-48993e4eb84a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"GNVPM8251B\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/basic","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The PAN Basic Verification API allows users to verify a Permanent Account Number (PAN) and retrieve basic details such as full name and category (person, company, etc.).<br />This API is useful for KYC compliance, fraud detection, and identity verification.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ol>\n<li><p>Validate if a PAN number exists and is valid</p>\n</li>\n<li><p>Retrieve full name associated with a PAN</p>\n</li>\n<li><p>Determine PAN category (individual vs. entity)</p>\n</li>\n<li><p>Perform lightweight KYC checks for onboarding</p>\n</li>\n<li><p>Reduce risk of fake or incorrect PAN submissions</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Live:  <br /><code>https://live.totalekyc.com/api/kyc/pan/basic</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"headers\">Headers</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN Number of the user (10 characters)</td>\n<td>\"CETPKXX55A\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"response-body-parameters\">Response Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td><code>string</code></td>\n<td>Unique identifier for the client request</td>\n</tr>\n<tr>\n<td><code>data.pan_number</code></td>\n<td><code>string</code></td>\n<td>PAN number that was verified</td>\n</tr>\n<tr>\n<td><code>data.full_name</code></td>\n<td><code>string</code></td>\n<td>Full name of the individual as per PAN records</td>\n</tr>\n<tr>\n<td><code>data.category</code></td>\n<td><code>string</code></td>\n<td>Category of PAN holder (e.g., <code>person</code>, <code>company</code>)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN Basic</td>\n<td>200–700 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\">Status Code</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td><code>\"id_number\"</code> is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN</td>\n<td>The PAN number is invalid or not found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Always ensure the Bearer Token is active and valid.</p>\n</li>\n<li><p>PAN should be a valid 10-character alphanumeric value.</p>\n</li>\n<li><p>This is a lightweight alternative to full PAN verification—ideal for fast KYC.</p>\n</li>\n<li><p>Helps detect invalid or fraudulent PAN submissions quickly.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","pan","basic"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"23a1a9af-7c58-4ec7-9a62-c6ffed3b0e11","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"ATXXS47XXH\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/basic"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 09:58:15 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"240"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"f0-tzTlGVF9/S7dcKbA4tAugV69Jg4\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T09:58:15.936Z\",\n    \"transaction_id\": \"cff47fb6-da59-4ef7-b5e6-062ed4f3778d\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"pan_HRBidVYljcckhTvSdKKi\",\n        \"pan_number\": \"ATZPS4790H\",\n        \"full_name\": \"HAJRATALI SAIYAD\",\n        \"category\": \"person\"\n    }\n}"},{"id":"edf4a003-f21a-4954-b4a8-0f11d30599e7","name":"Missing Input ID (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/basic"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 03 Sep 2025 08:09:49 GMT"},{"key":"Content-Type","value":"application/json; 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charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"4c-+1oKK8/CbL2jjBXu7u+shUd2RUs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input id_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"4c2846bc-13f3-4287-97d4-125d73cdf8d1","name":"Unauthorized (401)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"CLYPV1990D\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/basic"},"status":"Unauthorized","code":401,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 03 Sep 2025 07:56:33 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"81"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"51-IMY81OYkIrEUUa6ZxxVEDaDE1qU\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid or Inactive API key\",\n    \"error\": \"Unauthorized\",\n    \"statusCode\": 401\n}"}],"_postman_id":"5e8d01f0-2b1b-4c46-9a8c-48993e4eb84a"},{"name":"Pan to Email-Mobile","id":"1469b83a-0ca8-4d8d-b1ef-6088d0287a07","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer <Token>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"XXXXXXXXXH\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/email-mobile","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>PAN to Email &amp; Mobile API</strong> allows retrieval of the mobile numbers and email addresses associated with a given PAN (Permanent Account Number). It is useful in identity enrichment, KYC verification, contact discovery, and fraud detection workflows.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p><strong>KYC Verification</strong>: Cross-check PAN-linked contact details for user authentication.</p>\n</li>\n<li><p><strong>Contact Enrichment</strong>: Retrieve additional mobile/email identifiers linked to a PAN.</p>\n</li>\n<li><p><strong>Fraud Detection</strong>: Identify multiple contact identities mapped to a single PAN.</p>\n</li>\n<li><p><strong>Financial Onboarding</strong>: Prefill communication details using verified PAN information.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Production: <code>https://live.totalekyc.com/api/kyc/pan/email-mobile</code></td>\n</tr>\n<tr>\n<td><strong>Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Auth</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number to search</td>\n<td><code>\"ABCDE1234H\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"sample-response\"><strong>Sample Response</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-07-18T14:29:46.778Z\",\n  \"transaction_id\": \"TXN-95e22066-1e3c-4d78-baaf-157c59744e9b\",\n  \"status\": \"success\",\n  \"data\": {\n    \"holderMobile\": [\n      \"XXXXXXXX21\",\n      \"XXXXXXXX92\"\n    ],\n    \"holderEmail\": [\n      \"XXXAIYED@GMAIL.COM\"\n    ]\n  }\n}\n\n</code></pre>\n<hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.holderMobile</td>\n<td>Array</td>\n<td>List of mobile numbers linked to PAN</td>\n</tr>\n<tr>\n<td>data.holderEmail</td>\n<td>Array</td>\n<td>List of email addresses linked to PAN</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to Email &amp; Mobile</td>\n<td>300–700 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Data Found</td>\n<td>No contact found for given PAN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Bad Request</td>\n<td>Missing parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Missing Bearer token</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Unprocessable Entity</td>\n<td>Invalid PAN</td>\n<td>Partial (0.18r)</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Server Error</td>\n<td>Internal error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","pan","email-mobile"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"df20eda2-6720-4415-a9c1-bfcf7536e256","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer <Token>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"XXZPSXXX0H\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/email-mobile"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Fri, 18 Jul 2025 14:29:46 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"249"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"f9-1ZD9unV4R1R7rGFGqj7tNVRpBVA\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-07-18T14:29:46.778Z\",\n    \"transaction_id\": \"TXN-95e22066-1e3c-4d78-baaf-157c59744e9b\",\n    \"status\": \"success\",\n    \"data\": {\n        \"holderMobile\": [\n            \"XXXXXXXX21\",\n            \"XXXXXXXX92\"\n\n        ],\n        \"holderEmail\": [\n            \"XXXAIYED@GMAIL.COM\"\n        ]\n    }\n}"},{"id":"1b532b8b-8448-47bf-9574-17e6a091486c","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer <Token>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"XXZPXXX0H\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/email-mobile"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Fri, 18 Jul 2025 14:30:06 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-+1oKK8/CbL2jjBXu7u+shUd2RUs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input id_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"1469b83a-0ca8-4d8d-b1ef-6088d0287a07"},{"name":"PAN Comprehensive","id":"e4195720-d689-4775-b467-61139bd735c4","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"BYTPP96XXD\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/comprehensive","description":"<h1 id=\"introduction\">Introduction</h1>\n<p>The PAN Comprehensive Verification API allows businesses to verify the validity of a PAN (Permanent Account Number) and retrieve associated details such as full name, date of birth, Aadhaar linkage, gender, and PAN status.<br />This API helps in KYC compliance, fraud prevention, and financial verification processes.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ol>\n<li><p>Validate authenticity of a PAN number</p>\n</li>\n<li><p>Retrieve PAN holder's full name and DOB</p>\n</li>\n<li><p>Check Aadhaar linkage status with PAN</p>\n</li>\n<li><p>Detect invalid or fake PANs to prevent fraud</p>\n</li>\n<li><p>Support compliance for financial or regulatory onboarding</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Live: <code>https://live.totalekyc.com/api/kyc/pan/comprehensive</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"headers\">Headers</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\">Request Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes.</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td><code>string</code></td>\n<td>Unique identifier for the client request</td>\n</tr>\n<tr>\n<td><code>data.pan_number</code></td>\n<td><code>string</code></td>\n<td>PAN number that was verified</td>\n</tr>\n<tr>\n<td><code>data.full_name</code></td>\n<td><code>string</code></td>\n<td>Full name of the PAN holder</td>\n</tr>\n<tr>\n<td><code>data.full_name_split</code></td>\n<td><code>array</code></td>\n<td>Split components of the full name (first, middle, last)</td>\n</tr>\n<tr>\n<td><code>data.masked_aadhaar</code></td>\n<td><code>string</code></td>\n<td>Masked Aadhaar number linked to the PAN (if available)</td>\n</tr>\n<tr>\n<td><code>data.address.line_1</code></td>\n<td><code>string</code></td>\n<td>Address line 1 (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.line_2</code></td>\n<td><code>string</code></td>\n<td>Address line 2 (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.street_name</code></td>\n<td><code>string</code></td>\n<td>Street name (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.zip</code></td>\n<td><code>string</code></td>\n<td>ZIP/pincode (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.city</code></td>\n<td><code>string</code></td>\n<td>City (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.state</code></td>\n<td><code>string</code></td>\n<td>State (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.country</code></td>\n<td><code>string</code></td>\n<td>Country (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.address.full</code></td>\n<td><code>string</code></td>\n<td>Full formatted address (empty if not available)</td>\n</tr>\n<tr>\n<td><code>data.email</code></td>\n<td><code>string</code> or <code>null</code></td>\n<td>Email associated with PAN (if available)</td>\n</tr>\n<tr>\n<td><code>data.phone_number</code></td>\n<td><code>string</code> or <code>null</code></td>\n<td>Phone number associated with PAN (if available)</td>\n</tr>\n<tr>\n<td><code>data.gender</code></td>\n<td><code>string</code></td>\n<td>Gender of the PAN holder (<code>M</code>, <code>F</code>, <code>T</code>)</td>\n</tr>\n<tr>\n<td><code>data.dob</code></td>\n<td><code>string</code></td>\n<td>Date of birth as per PAN records (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td><code>data.input_dob</code></td>\n<td><code>string</code> or <code>null</code></td>\n<td>Input DOB for matching, if provided</td>\n</tr>\n<tr>\n<td><code>data.aadhaar_linked</code></td>\n<td><code>boolean</code></td>\n<td>Whether Aadhaar is linked to PAN</td>\n</tr>\n<tr>\n<td><code>data.dob_verified</code></td>\n<td><code>boolean</code></td>\n<td>Whether DOB is verified with official source</td>\n</tr>\n<tr>\n<td><code>data.dob_check</code></td>\n<td><code>boolean</code></td>\n<td>Whether input DOB matched the PAN DOB</td>\n</tr>\n<tr>\n<td><code>data.category</code></td>\n<td><code>string</code></td>\n<td>Category of PAN holder (e.g., <code>person</code>, <code>company</code>)</td>\n</tr>\n<tr>\n<td><code>data.status</code></td>\n<td><code>string</code></td>\n<td>Status of the PAN (e.g., <code>valid</code>, <code>invalid</code>)</td>\n</tr>\n<tr>\n<td><code>data.less_info</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if limited data was returned due to privacy or source limits</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN Comprehensive</td>\n<td>300–900 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\">Status Code</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td><code>\"id_number\"</code> is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN</td>\n<td>The PAN number is invalid or not found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","pan","comprehensive"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"cb4215da-0347-4835-93d1-6dcf218d8b6d","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"BYTPP96XXD\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/comprehensive"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:01:21 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"619"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"26b-Meltph12LOule9YYKfSFHBiKaYk\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:01:21.662Z\",\n    \"transaction_id\": \"9d928e50-149e-41b7-b146-4c5b1790bf27\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"pan_comprehensive_qDgQkiGgEoibziWknNlk\",\n        \"pan_number\": \"BYTPP9666D\",\n        \"full_name\": \"PRIYA KISHORE PATRA\",\n        \"full_name_split\": [\n            \"PRIYA\",\n            \"KISHORE\",\n            \"PATRA\"\n        ],\n        \"masked_aadhaar\": \"XXXXXXXX5220\",\n        \"address\": {\n            \"line_1\": \"\",\n            \"line_2\": \"\",\n            \"street_name\": \"\",\n            \"zip\": \"\",\n            \"city\": \"\",\n            \"state\": \"\",\n            \"country\": \"\",\n            \"full\": \"\"\n        },\n        \"email\": null,\n        \"phone_number\": null,\n        \"gender\": \"M\",\n        \"dob\": \"1993-12-05\",\n        \"input_dob\": null,\n        \"aadhaar_linked\": true,\n        \"dob_verified\": false,\n        \"dob_check\": false,\n        \"category\": \"person\",\n        \"status\": \"valid\",\n        \"less_info\": false\n    }\n}"},{"id":"34b55f1b-a9df-4ca4-8e51-d29e44099279","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"BYTPP96XXE\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/comprehensive"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:01:46 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"134"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"86-1xcCNyEJ8ttXpiQSedXR8lf3LRY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:01:46.863Z\",\n    \"transaction_id\": \"5aca79ae-bcec-4847-bc2d-de384ad92cee\",\n    \"status\": \"error\",\n    \"error_message\": null\n}"}],"_postman_id":"e4195720-d689-4775-b467-61139bd735c4"},{"name":"PAN Advance","id":"1237498e-7e63-410b-bcfb-61f7b01666d6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n\"id_number\": \"BYTPP9XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/advance","description":"<h1 id=\"introduction\">Introduction</h1>\n<p>The PAN Advance Verification API allows businesses to verify the validity of a PAN (Permanent Account Number) and retrieve associated details such as full name, date of birth, Father's Name Aadhaar linkage, gender, and PAN status.<br />This API helps in KYC compliance, fraud prevention, and financial verification processes.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ol>\n<li><p>Validate authenticity of a PAN number</p>\n</li>\n<li><p>Retrieve PAN holder's full name and DOB</p>\n</li>\n<li><p>Check Aadhaar linkage status with PAN</p>\n</li>\n<li><p>Detect invalid or fake PANs to prevent fraud</p>\n</li>\n<li><p>Support compliance for financial or regulatory onboarding</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Live: <code>https://live.totalekyc.com/api/kyc/pan/advance</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"headers\">Headers</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\">Request Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes.</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<h2 id=\"response-parameters-1\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.dob</td>\n<td>string</td>\n<td>Date of birth (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.doi</td>\n<td>string</td>\n<td>Date of incorporation/issue (if applicable, else null)</td>\n</tr>\n<tr>\n<td>data.tax</td>\n<td>boolean</td>\n<td>Indicates if tax-related information is available</td>\n</tr>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Masked email address</td>\n</tr>\n<tr>\n<td>data.gender</td>\n<td>string</td>\n<td>Gender of the individual</td>\n</tr>\n<tr>\n<td>data.status</td>\n<td>string</td>\n<td>PAN status (e.g., valid/invalid)</td>\n</tr>\n<tr>\n<td>data.category</td>\n<td>string</td>\n<td>Entity category (e.g., person/company)</td>\n</tr>\n<tr>\n<td>data.dob_check</td>\n<td>boolean</td>\n<td>Indicates if DOB validation check passed</td>\n</tr>\n<tr>\n<td>data.full_name</td>\n<td>string</td>\n<td>Full name of the individual</td>\n</tr>\n<tr>\n<td>data.last_name</td>\n<td>string</td>\n<td>Last name</td>\n</tr>\n<tr>\n<td>data.less_info</td>\n<td>boolean</td>\n<td>Indicates if limited information is available</td>\n</tr>\n<tr>\n<td>data.first_name</td>\n<td>string</td>\n<td>First name</td>\n</tr>\n<tr>\n<td>data.pan_number</td>\n<td>string</td>\n<td>Permanent Account Number (PAN)</td>\n</tr>\n<tr>\n<td>data.address.zip</td>\n<td>string</td>\n<td>Postal ZIP/PIN code</td>\n</tr>\n<tr>\n<td>data.address.city</td>\n<td>string</td>\n<td>City name</td>\n</tr>\n<tr>\n<td>data.address.full</td>\n<td>string</td>\n<td>Full formatted address</td>\n</tr>\n<tr>\n<td>data.address.state</td>\n<td>string</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.address.line_1</td>\n<td>string</td>\n<td>Address line 1</td>\n</tr>\n<tr>\n<td>data.address.line_2</td>\n<td>string</td>\n<td>Address line 2</td>\n</tr>\n<tr>\n<td>data.address.country</td>\n<td>string</td>\n<td>Country name</td>\n</tr>\n<tr>\n<td>data.address.street_name</td>\n<td>string</td>\n<td>Street/locality name</td>\n</tr>\n<tr>\n<td>data.father_name</td>\n<td>string</td>\n<td>Father’s full name</td>\n</tr>\n<tr>\n<td>data.middle_name</td>\n<td>string</td>\n<td>Middle name</td>\n</tr>\n<tr>\n<td>data.dob_verified</td>\n<td>boolean</td>\n<td>Indicates if DOB is verified</td>\n</tr>\n<tr>\n<td>data.phone_number</td>\n<td>string</td>\n<td>Masked phone number</td>\n</tr>\n<tr>\n<td>data.aadhaar_linked</td>\n<td>boolean</td>\n<td>Indicates if Aadhaar is linked with PAN</td>\n</tr>\n<tr>\n<td>data.masked_aadhaar</td>\n<td>string</td>\n<td>Masked Aadhaar number</td>\n</tr>\n<tr>\n<td>data.full_name_split</td>\n<td>array</td>\n<td>Array containing split name parts (first, middle, last)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN Advance</td>\n<td>800–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\">Status Code</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td><code>\"id_number\"</code> is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN</td>\n<td>The PAN number is invalid or Details not found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","pan","advance"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"c995ebc7-63ea-45d5-9aa7-81496d14bfcb","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n\"id_number\": \"BYTPP9XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/advance"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Mon, 16 Feb 2026 10:59:26 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"861"},{"key":"Connection","value":"keep-alive"},{"key":"Content-Security-Policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"X-Frame-Options","value":"DENY"},{"key":"X-Content-Type-Options","value":"nosniff"},{"key":"Strict-Transport-Security","value":"max-age=31536000; includeSubDomains"},{"key":"Referrer-Policy","value":"no-referrer"},{"key":"Permissions-Policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"Cache-Control","value":"no-store"},{"key":"Pragma","value":"no-cache"},{"key":"Expires","value":"0"},{"key":"Vary","value":"Origin"},{"key":"Access-Control-Allow-Credentials","value":"true"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"35d-sLGGumyo+aAlXn4j50qS3pQQP7g\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-02-16T10:59:26.113Z\",\n    \"transaction_id\": \"TXN-PROD-64993a06-e66c-43f2-830a-d15f50614b50\",\n    \"status\": \"success\",\n    \"data\": {\n    \"dob\": \"1995-08-21\",\n    \"doi\": null,\n    \"tax\": true,\n    \"email\": \"ra****sh@gmail.com\",\n    \"gender\": \"M\",\n    \"status\": \"valid\",\n    \"category\": \"person\",\n    \"dob_check\": true,\n    \"full_name\": \"RAHUL SHARMA\",\n    \"last_name\": \"SHARMA\",\n    \"less_info\": false,\n    \"first_name\": \"RAHUL\",\n    \"pan_number\": \"ABCDE1234F\",\n    \"address\": {\n      \"zip\": \"110001\",\n      \"city\": \"NEW DELHI\",\n      \"full\": \"H.NO-12, BLOCK-A, CONNAUGHT PLACE, NEW DELHI, DELHI, 110001, INDIA\",\n      \"state\": \"Delhi\",\n      \"line_1\": \"H.NO-12\",\n      \"line_2\": \"BLOCK-A\",\n      \"country\": \"INDIA\",\n      \"street_name\": \"CONNAUGHT PLACE\"\n    },\n    \"father_name\": \"MAHESH SHARMA\",\n    \"middle_name\": \"KUMAR\",\n    \"dob_verified\": true,\n    \"phone_number\": \"98XXXXXX45\",\n    \"aadhaar_linked\": true,\n    \"masked_aadhaar\": \"12XXXXXXXX34\",\n    \"full_name_split\": [\n      \"RAHUL\",\n      \"KUMAR\",\n      \"SHARMA\"\n    ]\n  }\n"},{"id":"7358619b-d475-48c0-b6f0-d6eb6cb83f09","name":"Invalid Pan (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n\"id_number\": \"BYTPP9XXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/advance"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Mon, 23 Mar 2026 18:01:09 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"152"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"98-PqT4hkm1+iycGSjSMrERr1rOzaQ\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-03-23T18:01:09.183Z\",\n    \"transaction_id\": \"TXN-PROD-91a1507c-2ddb-43f0-a16c-1ce5f3aba8c9\",\n    \"error_message\": \"Invalid PAN\"\n}"}],"_postman_id":"1237498e-7e63-410b-bcfb-61f7b01666d6"},{"name":"PAN ITR Compliance Check","id":"87cc7d9f-b437-48eb-addd-5f8e72186059","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer <API KEY>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"pan_number\": \"ATZPS4790H\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/itr/compliance-check","description":"<h3 id=\"introduction\">Introduction</h3>\n<p>The ITR Compliance Check API allows businesses to verify an individual’s tax compliance status using their PAN (Permanent Account Number). The API returns key information such as whether the individual is ITR compliant, PAN-Aadhaar linkage status, PAN status, and specified person status under Section 206.</p>\n<p>This API is essential for financial institutions and regulated entities to perform due diligence, risk assessment, and ensure compliance with statutory obligations.</p>\n<hr />\n<h3 id=\"use-cases\">Use Cases</h3>\n<ol>\n<li><p><strong>Loan Risk Assessment</strong>: Evaluate an applicant’s tax compliance before approving credit.</p>\n</li>\n<li><p><strong>Onboarding for Financial Services</strong>: Verify PAN status and compliance during customer onboarding.</p>\n</li>\n<li><p><strong>TDS Deduction Compliance</strong>: Identify specified persons under Section 206 to ensure correct TDS deduction.</p>\n</li>\n<li><p><strong>Tax Intelligence &amp; Analytics</strong>: Integrate tax compliance insights into customer financial profiles.</p>\n</li>\n<li><p><strong>Fraud Prevention</strong>: Flag PANs that are invalid or non-compliant to reduce risk.</p>\n</li>\n</ol>\n<hr />\n<h3 id=\"api-details\">API Details</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Live)</strong></td>\n<td><code>https://live.totalekyc.com/api/kyc/itr/compliance-check</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"authentication-header\">Authentication Header</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-parameters\">Request Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>pan_number</td>\n<td>String</td>\n<td>PAN number of the user (10-character alphanumeric)</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-body-parameters\">Response Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td><code>string</code></td>\n<td>Unique identifier for the client request</td>\n</tr>\n<tr>\n<td><code>data.pan_number</code></td>\n<td><code>string</code></td>\n<td>PAN number that was checked</td>\n</tr>\n<tr>\n<td><code>data.compliant</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if the PAN holder is ITR compliant</td>\n</tr>\n<tr>\n<td><code>data.pan_allotment_date</code></td>\n<td><code>string</code> or <code>null</code></td>\n<td>Date of PAN allotment (if available)</td>\n</tr>\n<tr>\n<td><code>data.masked_name</code></td>\n<td><code>string</code></td>\n<td>Masked name of the PAN holder</td>\n</tr>\n<tr>\n<td><code>data.pan_aadhaar_linked</code></td>\n<td><code>string</code></td>\n<td>Aadhaar linking status with PAN (e.g., <code>linked</code>, <code>not_linked</code>)</td>\n</tr>\n<tr>\n<td><code>data.specified_person_under_206</code></td>\n<td><code>string</code></td>\n<td>Status under Section 206AB (e.g., <code>yes</code>, <code>no</code>)</td>\n</tr>\n<tr>\n<td><code>data.pan_status</code></td>\n<td><code>string</code></td>\n<td>Status of the PAN (e.g., <code>operative</code>, <code>inoperative</code>)</td>\n</tr>\n<tr>\n<td><code>data.valid_pan</code></td>\n<td><code>boolean</code></td>\n<td>Whether the PAN is valid</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\">Latency Metrics</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>ITR Compliance Check</td>\n<td>800–1200ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-code\">Status Code</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN Number</td>\n<td>The provided PAN number is incorrect or does not exist</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key. Ensure it is included in the Authorization header</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected error occurred. Check logs or contact support</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"additional-notes\">Additional Notes</h3>\n<ul>\n<li><p>Ensure the Bearer Token is active and valid when making API calls.</p>\n</li>\n<li><p>The PAN number must be in the correct format (10-character alphanumeric).</p>\n</li>\n<li><p>This API is useful for tax compliance verification and financial due diligence.</p>\n</li>\n<li><p>The <code>masked_name</code> provides privacy while still confirming identity alignment.</p>\n</li>\n<li><p>Section 206 refers to higher TDS deduction for specified non-compliant individua</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","itr","compliance-check"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"108c407a-b937-45e1-8594-63508c813b90","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer <API KEY>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"pan_number\": \"ATZPS4790H\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/itr/compliance-check"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:04:11 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"382"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"17e-1rKDF2xvoauTrlQ212hzCCxR/cw\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:04:11.295Z\",\n    \"transaction_id\": \"b5059837-03b9-4704-9ce6-2760d3b9c134\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"itr_compliance_cXHgxXjzcjknNmqXvYgK\",\n        \"pan_number\": \"ATZPS4790H\",\n        \"compliant\": true,\n        \"pan_allotment_date\": null,\n        \"masked_name\": \"HXXXXXXXI SXXXXD\",\n        \"pan_aadhaar_linked\": \"linked\",\n        \"specified_person_under_206\": \"no\",\n        \"pan_status\": \"operative\",\n        \"valid_pan\": true\n    }\n}"},{"id":"abecc277-a9c9-4d8e-9149-fb89f0e07257","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer <API KEY>"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"pan_number\": \"ATZPS4790T\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/itr/compliance-check"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:04:59 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"152"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"98-R3FywwuzENrwXNWIjEU+GrntjqE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:04:59.501Z\",\n    \"transaction_id\": \"6cf3e6f9-6c44-4f43-9544-a116fb6842e6\",\n    \"status\": \"error\",\n    \"error_message\": \"Verification Failed.\"\n}"}],"_postman_id":"87cc7d9f-b437-48eb-addd-5f8e72186059"},{"name":"PAN to CIN","id":"fa9d56b4-233b-430d-86fb-091ff7b5202b","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\":\"AADXX75XXE\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-cin","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The PAN to CIN API allows users to map a <strong>Permanent Account Number (PAN)</strong> to its corresponding <strong>Corporate Identification Number (CIN)</strong> and retrieve the registered company name.</p>\n<p>This API is useful for <strong>business KYC, compliance checks, fraud detection, and entity verification</strong>.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Retrieve the <strong>Corporate Identification Number (CIN)</strong> linked to a PAN.</p>\n</li>\n<li><p>Verify the <strong>company name</strong> associated with a PAN.</p>\n</li>\n<li><p>Perform <strong>Know Your Business (KYB)</strong> checks during onboarding.</p>\n</li>\n<li><p>Support <strong>regulatory compliance</strong> by validating corporate registration.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/pan/pan-to-cin</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td><code>Bearer Token</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer YOUR_BEARER_TOKEN</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\"><strong>Request Body</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>id_number</code></td>\n<td>string</td>\n<td>PAN Number of the entity (10 characters, alphanumeric)</td>\n<td><code>\"AAXXX7XX1E\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-body-parameters\"><strong>Response Body Parameters</strong></h2>\n<h3 id=\"json-example\"><strong>JSON Example</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-08-20T05:45:51.658Z\",\n  \"transaction_id\": \"TXN-2e5e9451-9753-4203-bf94-53d801e7abbc\",\n  \"status\": \"success\",\n  \"data\": {\n    \"company_name\": \"YOGESH INTEGRATIONS\",\n    \"identity_number\": \"U6XXX0DL2025PTCXXX581\"\n  }\n}\n\n</code></pre>\n<h3 id=\"response-fields\"><strong>Response Fields</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.company_name</code></td>\n<td>string</td>\n<td>Registered company name linked to the PAN</td>\n</tr>\n<tr>\n<td><code>data.identity_number</code></td>\n<td>string</td>\n<td>Corporate Identification Number (CIN) associated with the PAN</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to CIN</td>\n<td>400–900 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Missing Required Parameters</td>\n<td><code>\"id_number\"</code> is missing from the request</td>\n</tr>\n<tr>\n<td><strong>403</strong></td>\n<td>Unauthorized</td>\n<td>Invalid or missing Bearer token</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid PAN</td>\n<td>The provided PAN number is invalid or not mapped to any CIN</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Ensure the <strong>Bearer Token</strong> is valid and active.</p>\n</li>\n<li><p>PAN must be a valid <strong>10-character alphanumeric value</strong>.</p>\n</li>\n<li><p>Useful for <strong>corporate verification workflows</strong> where CIN mapping is required.</p>\n</li>\n<li><p>Helps detect <strong>fake or unregistered businesses</strong> quickly.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","pan","pan-to-cin"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"3d64b73f-7a27-4c3e-935f-5f2dad6f95f8","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\":\"AAXXX7XX1E\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-cin"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 20 Aug 2025 05:45:51 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"212"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"d4-JIkKHQGxhjLKedL3SmU8aPdYJkE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-20T05:45:51.658Z\",\n    \"transaction_id\": \"TXN-2e5e9451-9753-4203-bf94-53d801e7abbc\",\n    \"status\": \"success\",\n    \"data\": {\n        \"company_name\": \"YOGESH INTEGRATIONS\",\n        \"identity_number\": \"U6XXX0DL2025PTCXXX581\"\n    }\n}"},{"id":"54d38bf9-7d70-46bc-b86e-7188bb8bbee4","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\":\"AAXX7XX1E\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-cin"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 20 Aug 2025 05:47:45 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-+1oKK8/CbL2jjBXu7u+shUd2RUs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input id_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"fa9d56b4-233b-430d-86fb-091ff7b5202b"},{"name":"Mobile to Pan","id":"f9fa4d82-6d6d-4e56-8b9d-497b72e4e426","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"XXXXXXXX21\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to PAN API</strong> allows users to retrieve the Permanent Account Number (PAN) linked to a given mobile number.</p>\n<p>This API is useful for KYC completion, fraud prevention, onboarding processes, and financial identity verification.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Retrieve the PAN number registered with a specific mobile number.</p>\n</li>\n<li><p>Simplify customer onboarding by pre-filling PAN details.</p>\n</li>\n<li><p>Verify identity in financial and compliance workflows.</p>\n</li>\n<li><p>Reduce manual errors in PAN collection.</p>\n</li>\n<li><p>Detect potential mismatches or fraudulent submissions.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/pan/mobile-to-pan</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<p><strong>Format:</strong> JSON</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Example Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Mobile number linked to the PAN (10 digits).</td>\n<td>\"XXXXXXXX21\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.pan_number</td>\n<td>string</td>\n<td>PAN number linked to the given mobile number.</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to PAN</td>\n<td>400–1100 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td><code>\"mobile_no\"</code> is missing from the request.</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid Mobile Number</td>\n<td>The mobile number is invalid or not found in PAN records.</td>\n<td>Partial (0.09r)</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Always ensure the Bearer Token is active and valid.</p>\n</li>\n<li><p>Mobile number must be a valid 10-digit number linked to a PAN.</p>\n</li>\n<li><p>Ideal for quick KYC verification where mobile number is the primary input.</p>\n</li>\n<li><p>Helps reduce user friction in form-filling by auto-fetching PAN.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","pan","mobile-to-pan"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"ec21f3e1-e8e2-4302-b457-2c2fe5336263","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"9876543210\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:42:30 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"154"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9a-fs3aVfrkvSU7TRROGjxNZCkW50s\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-11T15:42:30.058Z\",\n    \"transaction_id\": \"TXN-082d20ac-78b3-4ca9-a886-e810df66a68f\",\n    \"status\": \"success\",\n    \"data\": {\n        \"pan_number\": \"HE00D0087M\"\n    }\n}"},{"id":"fadf7a64-1e22-4964-8b98-03ae309b771b","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"98765421\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:43:28 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-oG45uMTe+k5xg16pKRj4nQzH9z8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"f9fa4d82-6d6d-4e56-8b9d-497b72e4e426"},{"name":"PAN to Udyam Number","id":"e9ef6d6f-8c8b-40e0-aad2-7e5c7773935e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"HESPD8XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The PAN to Udyam Number API allows businesses to fetch Udyam Registration Numbers linked to a given PAN (Permanent Account Number).</p>\n<p>This API helps in identifying MSME registrations associated with a PAN, enabling business verification and compliance checks.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Fetch Udyam Registration Number using PAN</p>\n</li>\n<li><p>Identify MSME registrations linked to a business</p>\n</li>\n<li><p>Support business verification and onboarding</p>\n</li>\n<li><p>Enable compliance checks for MSME classification</p>\n</li>\n<li><p>Assist in financial profiling and risk assessment</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number\">https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>timestamp</td>\n<td>string</td>\n<td>API response timestamp</td>\n</tr>\n<tr>\n<td>transaction_id</td>\n<td>string</td>\n<td>Unique transaction ID for the request</td>\n</tr>\n<tr>\n<td>status</td>\n<td>string</td>\n<td>Status of the API response (success/failure)</td>\n</tr>\n<tr>\n<td>data</td>\n<td>array</td>\n<td>List of Udyam registrations linked to the PAN</td>\n</tr>\n<tr>\n<td>data[].udyam_number</td>\n<td>string</td>\n<td>Udyam Registration Number</td>\n</tr>\n<tr>\n<td>data[].enterprise_name</td>\n<td>string</td>\n<td>Name of the registered enterprise</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to Udyam Number</td>\n<td>1000–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"id_number\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No Udyam records found for the given PAN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","pan","pan-to-udyam","number"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"18ee2dbf-9d87-477e-9031-fd2ad7fd497f","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"HESPD8XXXX\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Thu, 02 Apr 2026 10:30:33 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"215"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"d7-pGVwdKBBIKkbGywjYvRP76twpMY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-02T10:30:33.345Z\",\n    \"transaction_id\": \"TXN-PROD-26307393-92be-48ad-a9a8-0ec886d1e26d\",\n    \"status\": \"success\",\n    \"data\": [\n        {\n            \"udyam_number\": \"UDYAM-RJ-1X-0XX24XX\",\n            \"enterprise_name\": \"Mixture Bite Enterprise\"\n        }\n    ]\n}"},{"id":"c2b2d498-cafa-480f-b65a-5bef36487546","name":"Invalid Pan (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Fri, 03 Apr 2026 07:59:18 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"151"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"97-WzuXzv7W+5A1qPCqSfgtMH1cdDs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T07:59:18.325Z\",\n    \"transaction_id\": \"TXN-PROD-38e864fa-86f9-4620-a94d-e75c7f4a25c7\",\n    \"error_message\": \"Invalid PAN\"\n}"},{"id":"5c507fc0-d0bc-4e8b-ac1e-4cc329e00a28","name":"No Data Found(422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Fri, 03 Apr 2026 08:00:36 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"154"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9a-GpINdm3TzpwPITdpR5nrk7yfOio\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T08:00:36.780Z\",\n    \"transaction_id\": \"TXN-PROD-286c08a5-664f-4eed-9c1f-723a71f87e1e\",\n    \"error_message\": \"MSME not found\"\n}"}],"_postman_id":"e9ef6d6f-8c8b-40e0-aad2-7e5c7773935e"},{"name":"Pan to Udyam Details","id":"7cdfcb14-3df9-4134-9dc6-2d92d7ac5db0","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"HESPD8XXXX\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details","description":"<h1 id=\"introduction\"><strong>Introduction</strong></h1>\n<p>The <strong>PAN to Udyam MSME Details API</strong> allows businesses to fetch MSME (Udyam) registration details linked to a given PAN number. It returns enterprise information such as MSME number, enterprise classification history, business details, location, and NIC classification.</p>\n<p>This API is useful for <strong>business verification, MSME validation, KYB processes, and lending risk assessment</strong>.</p>\n<hr />\n<h1 id=\"use-cases\"><strong>Use Cases</strong></h1>\n<ul>\n<li><p>Verify MSME (Udyam) registration using PAN</p>\n</li>\n<li><p>Retrieve enterprise classification (Micro/Small/Medium) history</p>\n</li>\n<li><p>Fetch business details for KYB onboarding</p>\n</li>\n<li><p>Validate enterprise existence for lending/credit underwriting</p>\n</li>\n<li><p>Extract plant/location and NIC activity details</p>\n</li>\n</ul>\n<hr />\n<h1 id=\"api-details\"><strong>API Details</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><a href=\"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details\">https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\"><strong>Headers</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h1>\n<h3 id=\"json\">JSON</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{  \"id_number\": \"AAGFMXXXX\"}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\"><strong>Response Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.msme_number</td>\n<td>string</td>\n<td>Udyam registration number</td>\n</tr>\n<tr>\n<td>data.name_of_enterprise</td>\n<td>string</td>\n<td>Name of the enterprise</td>\n</tr>\n<tr>\n<td>data.major_activity</td>\n<td>string</td>\n<td>Primary business activity (e.g., Trading, Manufacturing)</td>\n</tr>\n<tr>\n<td>data.social_category</td>\n<td>string</td>\n<td>Social category of the enterprise owner</td>\n</tr>\n<tr>\n<td>data.date_of_commencement</td>\n<td>string</td>\n<td>Business start date</td>\n</tr>\n<tr>\n<td>data.state</td>\n<td>string</td>\n<td>State of registration</td>\n</tr>\n<tr>\n<td>data.date_of_udyam_registration</td>\n<td>string</td>\n<td>Date of Udyam registration</td>\n</tr>\n<tr>\n<td>data.organization_type</td>\n<td>string</td>\n<td>Type of organization (e.g., Partnership, Proprietorship)</td>\n</tr>\n<tr>\n<td>data.mobile_number</td>\n<td>string</td>\n<td>Masked mobile number</td>\n</tr>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Email associated with enterprise</td>\n</tr>\n<tr>\n<td>data.flat</td>\n<td>string</td>\n<td>Address flat/door number</td>\n</tr>\n<tr>\n<td>data.name_of_building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.road</td>\n<td>string</td>\n<td>Road/street name</td>\n</tr>\n<tr>\n<td>data.enterprise_type</td>\n<td>array</td>\n<td>List of enterprise classification history</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_year</td>\n<td>string</td>\n<td>Financial year of classification</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].enterprise_type</td>\n<td>string</td>\n<td>MSME category (Micro/Small/Medium)</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_date</td>\n<td>string</td>\n<td>Date of classification</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details</td>\n<td>array</td>\n<td>List of plant/unit location details</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].sn</td>\n<td>string</td>\n<td>Serial number</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].unit_name</td>\n<td>string</td>\n<td>Unit name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].flat</td>\n<td>string</td>\n<td>Address flat</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].village</td>\n<td>string</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].block</td>\n<td>string</td>\n<td>Block</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].road</td>\n<td>string</td>\n<td>Road</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].city</td>\n<td>string</td>\n<td>City</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].pin</td>\n<td>string</td>\n<td>Pincode</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].state</td>\n<td>string</td>\n<td>State</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].district</td>\n<td>string</td>\n<td>District</td>\n</tr>\n<tr>\n<td>data.nic_code</td>\n<td>array</td>\n<td>List of NIC classification details</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_year</td>\n<td>string</td>\n<td>NIC category description</td>\n</tr>\n<tr>\n<td>data.nic_code[].enterprise_type</td>\n<td>string</td>\n<td>Specific NIC code and activity</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_date</td>\n<td>string</td>\n<td>Business activity type</td>\n</tr>\n</tbody>\n</table>\n</div><h1 id=\"status-code\"><strong>Status Code</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeble</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Data Found / Invalid PAN / Inactive PAN</td>\n<td>There is No information available on MSME Site</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API token</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server issue</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","msme","pan-to-udyam","details"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"f000fb8f-55d0-43d0-a333-5b4dfc0f4ad9","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"AAGFM1XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Thu, 02 Apr 2026 09:16:24 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"1414"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 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\"enterprise_type\": [\n            {\n                \"classification_year\": \"2025-26\",\n                \"enterprise_type\": \"Small\",\n                \"classification_date\": \"01/04/2025\"\n            },\n            {\n                \"classification_year\": \"2024-25\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"15/04/2024\"\n            },\n            {\n                \"classification_year\": \"2023-24\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"10/05/2023\"\n            },\n            {\n                \"classification_year\": \"2022-23\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"05/06/2022\"\n            }\n        ],\n        \"name_of_enterprise\": \"M/S SAMPLE ENTERPRISES\",\n        \"major_activity\": \"MANUFACTURING\",\n        \"social_category\": \"OBC\",\n        \"date_of_commencement\": \"01/01/2000\",\n        \"state\": \"KARNATAKA\",\n        \"date_of_udyam_registration\": \"01/04/2022\",\n        \"flat\": \"NO.12-34/A\",\n        \"name_of_building\": \"ABC COMPLEX\",\n        \"road\": \"MG ROAD\",\n        \"mobile_number\": \"98XXXXX123\",\n        \"email\": \"sample.enterprise@example.com\",\n        \"organization_type\": \"Proprietorship\",\n        \"location_of_plant_details\": [\n            {\n                \"sn\": \"1\",\n                \"unit_name\": \"M/S SAMPLE ENTERPRISES UNIT 1\",\n                \"flat\": \"NO.12-34/A\",\n                \"building\": \"ABC COMPLEX\",\n                \"village\": \"WHITEFIELD\",\n                \"block\": \"1\",\n                \"road\": \"MG ROAD\",\n                \"city\": \"BENGALURU\",\n                \"pin\": \"560001\",\n                \"state\": \"KARNATAKA\",\n                \"district\": \"Bengaluru Urban\"\n            }\n        ],\n        \"nic_code\": [\n            {\n                \"classification_year\": \"10 - Manufacture of food products\",\n                \"enterprise_type\": \"10790 - Manufacture of other food products\",\n                \"classification_date\": \"Manufacturing\"\n            }\n        ]\n    }\n}"},{"id":"5a894497-d04f-4c4e-aaf1-371e36e54493","name":"No Record Found (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Thu, 02 Apr 2026 10:08:26 GMT"},{"key":"content-type","value":"application/json; 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'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"98-OTCudA+ZuyXl79Cz2wKJE3uxWlw\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T07:17:42.805Z\",\n    \"transaction_id\": \"TXN-PROD-9eacc400-a436-4d63-a4d2-a1df465a4266\",\n    \"error_message\": \"Invalid PAN\"\n}"}],"_postman_id":"7cdfcb14-3df9-4134-9dc6-2d92d7ac5db0"},{"name":"PAN to UAN History","id":"a1652eeb-5d05-4b09-b380-714aa8d986d5","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"ALDPG5XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/pan-to-uan/history","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The EPFO PAN to UAN History API allows businesses to fetch UAN (Universal Account Number) details and associated employment history using a PAN (Permanent Account Number).  </p>\n<p>This API helps in linking PAN with EPFO records to enable employment verification, background checks, and financial profiling.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Fetch UAN linked to a PAN</p>\n</li>\n<li><p>Retrieve employment history using PAN</p>\n</li>\n<li><p>Verify employment records and tenure</p>\n</li>\n<li><p>Support background verification and KYC processes</p>\n</li>\n<li><p>Assist in financial profiling and risk assessment</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/epfo/pan-to-uan/history\">https://live.totalekyc.com/api/kyc/epfo/pan-to-uan/history</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.uan</td>\n<td>string</td>\n<td>Universal Account Number (UAN)</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>string</td>\n<td>Name of the individual</td>\n</tr>\n<tr>\n<td>data.guardian_name</td>\n<td>string</td>\n<td>Guardian/Father's name</td>\n</tr>\n<tr>\n<td>data.employment_history</td>\n<td>array</td>\n<td>List of employment records</td>\n</tr>\n<tr>\n<td>data.employment_history[].establishment_name</td>\n<td>string</td>\n<td>Name of the organization</td>\n</tr>\n<tr>\n<td>data.employment_history[].member_id</td>\n<td>string</td>\n<td>EPFO member ID</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_joining</td>\n<td>string</td>\n<td>Employment start date (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_exit</td>\n<td>string</td>\n<td>Employment end date (YYYY-MM-DD, may be empty if currently employed)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>EPFO PAN to UAN History</td>\n<td>2000–5000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"id_number\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No EPFO records found for the given PAN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","epfo","pan-to-uan","history"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"25525239-ef6e-4ab1-8302-16c98766c044","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"CIEPG7XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/pan-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 08:09:57 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"369"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"171-fLc2g1g0Co7i7gTuWpFEIcSLNpE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T08:09:57.620Z\",\n    \"transaction_id\": \"TXN-PROD-9999abcd-1234-4xyz-8888-fedcba654321\",\n    \"status\": \"success\",\n    \"data\": {\n        \"uan\": \"100000000001\",\n        \"name\": \"AMIT VERMA\",\n        \"guardian_name\": \"RAJESH VERMA\",\n        \"employment_history\": [\n            {\n                \"establishment_name\": \"ABC TECH SOLUTIONS PRIVATE LIMITED\",\n                \"member_id\": \"MHBAN12345670000010001\",\n                \"date_of_joining\": \"2024-06-15\",\n                \"date_of_exit\": \"\"\n            }\n        ]\n    }\n}"},{"id":"3e8a229c-fb73-416b-83a3-cb3136f9cfa3","name":"No Data Found (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"HESPD8XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/pan-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 08:06:54 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"159"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9f-ee+BVmTXpys1+uzIHbNS9gMhAWw\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T08:06:54.879Z\",\n    \"transaction_id\": \"TXN-PROD-fb51df1d-989f-4a5a-9c55-479d74031839\",\n    \"status\": \"success\",\n    \"data\": {},\n    \"message\": \"No data found\"\n}"}],"_postman_id":"a1652eeb-5d05-4b09-b380-714aa8d986d5"},{"name":"PAN to Experian","id":"cfef829d-8cdb-4bdb-84e3-b005deca34cd","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"MYPPS8306A\"\n \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>PAN to Experian Credit Report API</strong> enables retrieval of an individual's credit report and credit score using only their PAN number. This API is optimized for quick credit profiling and is commonly used in financial services for risk assessment and underwriting.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p><strong>Instant Credit Profiling</strong> : Fetch credit score using PAN for quick eligibility checks.</p>\n</li>\n<li><p><strong>Loan Underwriting</strong> : Used by NBFCs and lenders to evaluate borrower risk.</p>\n</li>\n<li><p><strong>KYC &amp; Risk Assessment</strong> : Enhance onboarding with credit insights.</p>\n</li>\n<li><p><strong>Pre-approved Loan Offers</strong> : Identify eligible users for instant loan approvals.</p>\n</li>\n<li><p><strong>Fraud Detection</strong> : Validate identity consistency across PAN and credit data.</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (UAT &amp; Production)</strong></td>\n<td><a href=\"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian\"><code>https://live.totalekyc.com/api/credit-report/individual/pan-to-experian</code></a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"authentication-header\"><strong>Authentication Header</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-json\"><strong>Request Body (JSON)</strong></h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{  \"id_number\": \"MYPPS8XXXX\"}\n\n</code></pre>\n<hr />\n<h2 id=\"request-parameters\"><strong>Request Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN card number of the user</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-fields\"><strong>Response Fields</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.pan</td>\n<td>String</td>\n<td>PAN card number</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>String</td>\n<td>Name of the user</td>\n</tr>\n<tr>\n<td>data.mobile</td>\n<td>String</td>\n<td>User's mobile number</td>\n</tr>\n<tr>\n<td>data.credit_score</td>\n<td>Number</td>\n<td>Experian credit score</td>\n</tr>\n<tr>\n<td>data.client_id</td>\n<td>String</td>\n<td>Internal request ID</td>\n</tr>\n<tr>\n<td>data.credit_report</td>\n<td>Object</td>\n<td>Full Experian credit report</td>\n</tr>\n<tr>\n<td>credit_report.CreditProfileHeader</td>\n<td>Object</td>\n<td>Metadata of the report (date, version, report number)</td>\n</tr>\n<tr>\n<td>credit_report.Current_Application</td>\n<td>Object</td>\n<td>Details of current application and applicant</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account</td>\n<td>Object</td>\n<td>Credit account summary and details</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account.CAIS_Summary</td>\n<td>Object</td>\n<td>Summary of total accounts and balances</td>\n</tr>\n<tr>\n<td>credit_report.CAIS_Account.CAIS_Account_DETAILS</td>\n<td>Array</td>\n<td>Detailed list of credit accounts</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Account_Number</td>\n<td>String</td>\n<td>Masked account number</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Account_Status</td>\n<td>String</td>\n<td>Current status of the account</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Current_Balance</td>\n<td>String</td>\n<td>Outstanding balance</td>\n</tr>\n<tr>\n<td>CAIS_Account_DETAILS[].Credit_Limit_Amount</td>\n<td>String</td>\n<td>Credit limit assigned</td>\n</tr>\n<tr>\n<td>credit_report.Match_result</td>\n<td>Object</td>\n<td>PAN match result indicator</td>\n</tr>\n<tr>\n<td>credit_report.TotalCAPS_Summary</td>\n<td>Object</td>\n<td>Enquiry summary (last 7/30/90/180 days)</td>\n</tr>\n<tr>\n<td>credit_report.CAPS</td>\n<td>Object</td>\n<td>Credit enquiry details</td>\n</tr>\n<tr>\n<td>credit_report.NonCreditCAPS</td>\n<td>Object</td>\n<td>Non-credit enquiry details</td>\n</tr>\n<tr>\n<td>credit_report.SCORE</td>\n<td>Object</td>\n<td>Score details</td>\n</tr>\n<tr>\n<td>credit_report.SCORE.FCIREXScore</td>\n<td>Number</td>\n<td>Experian credit score</td>\n</tr>\n<tr>\n<td>credit_report.SCORE.FCIREXScoreConfidLevel</td>\n<td>String/null</td>\n<td>Confidence level of score</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to Experian Credit Report</td>\n<td>800–2000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Credit report retrieved successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Record Found</td>\n<td>No Record Found at Bureau</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid Request</td>\n<td>Missing or incorrect input parameters</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid PAN</td>\n<td>Input validation failed</td>\n<td>YES (PARTIAL)</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","credit-report","individual","pan-to-experian"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"5adda8c9-2a03-418a-bb48-cf6577f1c2ac","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": 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payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"167e3-TvIEaRjwdpBfpVOmn1gdpOEi9YY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-01T09:23:13.895Z\",\n    \"transaction_id\": \"TXN-PROD-a12b34cd-5678-90ef-gh12-3456789ijklm\",\n    \"status\": \"success\",\n    \"data\": {\n        \"name\": \"RAHUL SHARMA\",\n        \"mobile\": \"9876543210\",\n        \"pan\": \"ABCDE1234F\",\n        \"credit_score\": 756,\n        \"client_id\": \"TXN-PROD-a12b34cd-5678-90ef-gh12-3456789ijklm\",\n        \"credit_report\": {\n            \"CreditProfileHeader\": {\n                \"ReportDate\": 20250901,\n                \"ReportTime\": 112233,\n                \"Version\": \"V2.4\",\n                \"ReportNumber\": 9876543211234\n            },\n            \"Current_Application\": {\n                \"Current_Application_Details\": {\n                    \"Enquiry_Reason\": \"01\",\n                    \"Finance_Purpose\": \"12\",\n                    \"Amount_Financed\": \"500000\",\n                    \"Duration_Of_Agreement\": \"36\",\n                    \"Current_Applicant_Details\": {\n                        \"Last_Name\": \"SHARMA\",\n                        \"First_Name\": \"RAHUL\",\n                        \"Middle_Name1\": \"KUMAR\",\n                        \"Middle_Name2\": \"\",\n                        \"Middle_Name3\": \"\",\n                        \"Gender_Code\": \"1\",\n                        \"IncomeTaxPan\": \"ABCDE1234F\",\n                        \"Date_Of_Birth_Applicant\": \"19920715\",\n                        \"Telephone_Number_Applicant_1st\": \"0112345678\",\n                        \"Telephone_Extension\": \"91\",\n                        \"Telephone_Type\": \"L\",\n                        \"MobilePhoneNumber\": \"9876543210\",\n                        \"EMailId\": \"rahul.sharma@example.com\",\n                        \"PAN_Issue_Date\": \"20150710\",\n                        \"PAN_Expiration_Date\": \"\",\n                        \"Passport_Number\": \"M1234567\",\n                        \"Passport_Issue_Date\": \"20180615\",\n                        \"Passport_Expiration_Date\": \"20280614\",\n                        \"Voter_s_Identity_Card\": \"XYZ1234567\",\n                        \"Voter_ID_Issue_Date\": \"20150501\",\n                        \"Voter_ID_Expiration_Date\": \"\",\n                        \"Driver_License_Number\": \"DL0420111234567\",\n                        \"Driver_License_Issue_Date\": \"20170401\",\n                        \"Driver_License_Expiration_Date\": \"20370401\",\n                        \"Ration_Card_Number\": \"RC12345678\",\n                        \"Ration_Card_Issue_Date\": \"\",\n                        \"Ration_Card_Expiration_Date\": \"\",\n                        \"Universal_ID_Number\": \"UID123456789012\",\n                        \"Universal_ID_Issue_Date\": \"20160301\",\n                        \"Universal_ID_Expiration_Date\": \"\"\n                    },\n                    \"Current_Other_Details\": {\n                        \"Income\": \"850000\",\n                        \"Marital_Status\": \"M\",\n                        \"Employment_Status\": \"Salaried\",\n                        \"Time_with_Employer\": \"5\",\n                        \"Number_of_Major_Credit_Card_Held\": \"2\"\n                    },\n                    \"Current_Applicant_Address_Details\": {\n                        \"FlatNoPlotNoHouseNo\": \"Flat 203, Green Apartments\",\n                        \"BldgNoSocietyName\": \"Sector 15\",\n                        \"RoadNoNameAreaLocality\": \"MG Road\",\n                        \"City\": \"New Delhi\",\n                        \"Landmark\": \"Near Metro Station\",\n                        \"State\": \"07\",\n                        \"PINCode\": \"110001\",\n                        \"Country_Code\": \"IN\"\n                    },\n                    \"Current_Applicant_Additional_AddressDetails\": \"Permanent Address Same as Above\"\n                }\n            },\n            \"CAIS_Account\": {\n                \"CAIS_Summary\": {\n                    \"Credit_Account\": {\n                        \"CreditAccountTotal\": \"3\",\n                        \"CreditAccountActive\": \"2\",\n                        \"CreditAccountDefault\": \"0\",\n                        \"CreditAccountClosed\": \"1\",\n                        \"CADSuitFiledCurrentBalance\": \"0\"\n                    },\n                    \"Total_Outstanding_Balance\": {\n                        \"Outstanding_Balance_Secured\": \"450000\",\n                        \"Outstanding_Balance_Secured_Percentage\": \"80\",\n                        \"Outstanding_Balance_UnSecured\": \"110000\",\n                        \"Outstanding_Balance_UnSecured_Percentage\": \"20\",\n                        \"Outstanding_Balance_All\": \"560000\"\n                    }\n                },\n                \"CAIS_Account_DETAILS\": [\n                    {\n                        \"Identification_Number\": \"PVT123456789\",\n                        \"Subscriber_Name\": \"HDFC BANK\",\n                        \"Account_Number\": \"XXXXXX9087\",\n                        \"Portfolio_Type\": \"I\",\n                        \"Account_Type\": \"01\",\n                        \"Open_Date\": \"20220115\",\n                        \"Credit_Limit_Amount\": \"150000\",\n                        \"Highest_Credit_or_Original_Loan_Amount\": \"500000\",\n                        \"Terms_Duration\": \"036\",\n                        \"Terms_Frequency\": \"M\",\n                        \"Scheduled_Monthly_Payment_Amount\": \"15432\",\n                        \"Account_Status\": \"11\",\n                        \"Payment_Rating\": \"0\",\n                        \"Payment_History_Profile\": \"000000000000000000000000000000\",\n                        \"Special_Comment\": \"\",\n                        \"Current_Balance\": \"325000\",\n                        \"Amount_Past_Due\": \"0\",\n                        \"Original_Charge_Off_Amount\": \"\",\n                        \"Date_Reported\": \"20250815\",\n                        \"Date_of_First_Delinquency\": \"\",\n                        \"Date_Closed\": \"\",\n                        \"Date_of_Last_Payment\": \"20250810\",\n                        \"SuitFiledWillfulDefaultWrittenOffStatus\": \"\",\n                        \"SuitFiled_WillfulDefault\": \"00\",\n                        \"Written_off_Settled_Status\": \"\",\n                        \"Value_of_Credits_Last_Month\": \"50000\",\n                        \"Occupation_Code\": \"03\",\n                        \"Settlement_Amount\": \"\",\n                        \"Value_of_Collateral\": \"750000\",\n                        \"Type_of_Collateral\": \"House\",\n                        \"Written_Off_Amt_Total\": \"0\",\n                        \"Written_Off_Amt_Principal\": \"0\",\n                        \"Rate_of_Interest\": \"9.5\",\n                        \"Repayment_Tenure\": \"36\",\n                        \"Promotional_Rate_Flag\": \"\",\n                        \"Income\": \"850000\",\n                        \"Income_Indicator\": \"A\",\n                        \"Income_Frequency_Indicator\": \"Y\",\n                        \"DefaultStatusDate\": \"\",\n                        \"LitigationStatusDate\": \"\",\n                        \"WriteOffStatusDate\": \"\",\n                        \"DateOfAddition\": \"20220201\",\n                        \"CurrencyCode\": \"INR\",\n                        \"Subscriber_comments\": \"\",\n                        \"Consumer_comments\": \"\",\n                        \"AccountHoldertypeCode\": \"1\",\n                        \"CAIS_Account_History\": [],\n                        \"CAIS_Holder_Details\": [],\n                        \"CAIS_Holder_Address_Details\": [],\n                        \"CAIS_Holder_Phone_Details\": [],\n                        \"CAIS_Holder_ID_Details\": [],\n                        \"Account_Review_Data\": []\n                    }\n                ]\n            },\n            \"Match_result\": {\n                \"Exact_match\": \"Y\"\n            },\n            \"TotalCAPS_Summary\": {\n                \"TotalCAPSLast7Days\": \"2\",\n                \"TotalCAPSLast30Days\": \"5\",\n                \"TotalCAPSLast90Days\": \"12\",\n                \"TotalCAPSLast180Days\": \"20\"\n            },\n            \"CAPS\": {\n                \"CAPS_Summary\": {\n                    \"CAPSLast7Days\": \"1\",\n                    \"CAPSLast30Days\": \"2\",\n                    \"CAPSLast90Days\": \"3\",\n                    \"CAPSLast180Days\": \"4\"\n                },\n                \"CAPS_Application_Details\": {\n                    \"Subscriber_code\": \"NBF12345\",\n                    \"Subscriber_Name\": \"BAJAJ FINSERV\",\n                    \"Date_of_Request\": \"20250810\",\n                    \"ReportTime\": \"120045\",\n                    \"ReportNumber\": \"1765432987654\",\n                    \"Enquiry_Reason\": \"01\",\n                    \"Finance_Purpose\": \"11\",\n                    \"Amount_Financed\": \"250000\",\n                    \"Duration_Of_Agreement\": \"24\"\n                }\n            },\n            \"NonCreditCAPS\": {\n                \"NonCreditCAPS_Summary\": {\n                    \"NonCreditCAPSLast7Days\": \"0\",\n                    \"NonCreditCAPSLast30Days\": \"1\",\n                    \"NonCreditCAPSLast90Days\": \"1\",\n                    \"NonCreditCAPSLast180Days\": \"2\"\n                },\n                \"CAPS_Application_Details\": [\n                    {\n                        \"Subscriber_code\": \"NBF98765\",\n                        \"Subscriber_Name\": \"ICICI BANK\",\n                        \"Date_of_Request\": \"20250801\",\n                        \"ReportTime\": \"081500\",\n                        \"ReportNumber\": \"1765432900012\",\n                        \"Enquiry_Reason\": \"02\",\n                        \"Finance_Purpose\": \"10\",\n                        \"Amount_Financed\": \"0\",\n                        \"Duration_Of_Agreement\": \"0\"\n                    }\n                ]\n            },\n            \"SCORE\": {\n                \"FCIREXScore\": 756,\n                \"FCIREXScoreConfidLevel\": \"High\"\n            }\n        }\n    },\n    \"message\": \"Normal Response\"\n}\n"},{"id":"683656d6-ecbf-4f78-80fe-4358c90d3edd","name":"No Record Found 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includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"831-9WJ6Zuf9EtPpZXxWvF7NCFaOqtU\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-21T06:36:31.947Z\",\n    \"transaction_id\": \"TXN-UAT-4d17d4cc-d6e2-4027-9bc6-ff67013f4716\",\n    \"status\": \"success\",\n    \"data\": {\n        \"pan\": \"NAXPS6XXXX\",\n        \"name\": \"AMAN FANG\",\n        \"mobile\": \"982344XXXX\",\n        \"credit_score\": 8,\n        \"client_id\": \"REQ39516acb9ded49b6a292e2c39668f7b3\",\n        \"credit_report\": {\n            \"CreditProfileHeader\": {\n                \"ReportDate\": 20260421,\n                \"ReportTime\": 120631,\n                \"Version\": \"V2.4\",\n                \"ReportNumber\": \"7455765636436\"\n            },\n            \"Current_Application\": {\n                \"Current_Application_Details\": {\n                    \"Enquiry_Reason\": \"99\",\n                    \"Finance_Purpose\": \"99\",\n                    \"Amount_Financed\": \"0\",\n                    \"Duration_Of_Agreement\": \"1\",\n                    \"Current_Applicant_Details\": {\n                        \"Last_Name\": \"FANG\",\n                        \"First_Name\": \"AMAN\",\n                        \"Middle_Name1\": \"\",\n                        \"Middle_Name2\": \"\",\n                        \"Middle_Name3\": \"\",\n                        \"Gender_Code\": \"1\",\n                        \"IncomeTaxPan\": \"NAXPS6XXXX\",\n                        \"PAN_Issue_Date\": \"\",\n                        \"PAN_Expiration_Date\": \"\",\n                        \"Passport_Number\": \"\",\n                        \"Passport_Issue_Date\": \"\",\n                        \"Passport_Expiration_Date\": \"\",\n                        \"Voter_s_Identity_Card\": \"\",\n                        \"Voter_ID_Issue_Date\": \"\",\n                        \"Voter_ID_Expiration_Date\": \"\",\n                        \"Driver_License_Number\": \"\",\n                        \"Driver_License_Issue_Date\": \"\",\n                        \"Driver_License_Expiration_Date\": \"\",\n                        \"Ration_Card_Number\": \"\",\n                        \"Ration_Card_Issue_Date\": \"\",\n                        \"Ration_Card_Expiration_Date\": \"\",\n                        \"Universal_ID_Number\": \"\",\n                        \"Universal_ID_Issue_Date\": \"\",\n                        \"Universal_ID_Expiration_Date\": \"\",\n                        \"Date_Of_Birth_Applicant\": \"\",\n             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found)\"\n}"},{"id":"5ec50819-a2c6-4908-96c9-7a0dca24fc2b","name":"Invalid PAN (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"MYPPS83XXXX\"\n \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/credit-report/individual/pan-to-experian"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Tue, 21 Apr 2026 10:27:17 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"152"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"98-NezFSx/hPZYyqIBXEt7FXIiPY+Q\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-21T10:27:17.000Z\",\n    \"transaction_id\": \"TXN-PROD-b62b833e-6bac-4c7a-8f10-a05757b2dfb0\",\n    \"error_message\": \"Invalid PAN\"\n}"}],"_postman_id":"cfef829d-8cdb-4bdb-84e3-b005deca34cd"}],"id":"164d67a4-77ed-4398-bad0-2ad9ee69b6e3","_postman_id":"164d67a4-77ed-4398-bad0-2ad9ee69b6e3","description":""},{"name":"Driving License","item":[{"name":"Driving License Basic","event":[{"listen":"test","script":{"id":"389a975a-bfea-4e96-b4b1-6f92bb88d939","exec":["var template = `","<style type=\"text/css\">","    .tftable {font-size:14px;color:#333333;width:100%;border-width: 1px;border-color: #87ceeb;border-collapse: collapse;}","    .tftable th {font-size:18px;background-color:#87ceeb;border-width: 1px;padding: 8px;border-style: solid;border-color: #87ceeb;text-align:left;}","    .tftable tr {background-color:#ffffff;}","    .tftable td {font-size:14px;border-width: 1px;padding: 8px;border-style: solid;border-color: #87ceeb;}","    .tftable tr:hover {background-color:#e0ffff;}","</style>","","<table class=\"tftable\" border=\"1\">","    <tr>","        <th>Transaction ID</th>","        <th>Status</th>","        <th>DB Location</th>","        <th>DL Number</th>","        <th>Bio Full Name</th>","        <th>DL Issue Date</th>","    </tr>","    ","    {{#each response.data}}","        <tr>","            <td>{{../transaction_id}}</td>","            <td>{{../status}}</td>","            <td>{{dbLoc}}</td>","            <td>{{dlobj.dlLicno}}</td>","            <td>{{bioObj.bioFullName}}</td>","            <td>{{dlobj.dlIssuedt}}</td>","        </tr>","    {{/each}}","</table>","`;","","function constructVisualizerPayload() {","    return { response: pm.response.json() };","}","","pm.visualizer.set(template, constructVisualizerPayload());"],"type":"text/javascript","packages":{},"requests":{}}}],"id":"13019767-ebf2-460c-8849-dac675e31a8e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Accept","value":"application/json"},{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n  \"driving_licence\": \"RJXX2021000XXXX\",\n  \"dob\": \"2001-02-13\",\n\"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/driving-license/basic","description":"<h2 id=\"driving-license-basic--masked-data\"><strong>Driving License Basic ( Masked Data)</strong></h2>\n<h3 id=\"introduction\"><strong>Introduction</strong></h3>\n<p>The <strong>Driving License Basic Verification API</strong> allows businesses to verify the authenticity of a Driving License (DL) and retrieve essential holder details directly from official transport authority sources.</p>\n<p>It provides identity, contact, and license-related information such as full name, date of birth, father’s name, blood group, address, and license endorsement details.</p>\n<p>This API supports KYC workflows, driver validation, background verification, and compliance checks.</p>\n<hr />\n<h3 id=\"use-cases\"><strong>Use Cases</strong></h3>\n<ul>\n<li><p>Validate authenticity and validity of a driving license number.</p>\n</li>\n<li><p>Retrieve personal and contact details of the license holder.</p>\n</li>\n<li><p>Access permanent and temporary address information.</p>\n</li>\n<li><p>Verify endorsement and issuance details of a license.</p>\n</li>\n<li><p>Support eKYC, background verification, mobility onboarding, and insurance workflows.</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"api-details\"><strong>API Details</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Live</strong></td>\n<td><code>https://live.totalekyc.com/api/driving-license/basic</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>Accept</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h3>\n<h4 id=\"json-example\"><strong>JSON Example</strong></h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"driving_licence\": \"RJXXXX021000XXXX\",\n  \"dob\": \"2025-01-23\"\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>driving_licence</strong></td>\n<td>String</td>\n<td>Driving License Number</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>dob</strong></td>\n<td>String</td>\n<td>Date of Birth (YYYY-MM-DD format)</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td>Optional client remark or tracking comment (logged only, not used in validation)</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.personalInfo.fullName</code></td>\n<td>string</td>\n<td>Full name of the license holder</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.firstName</code></td>\n<td>string</td>\n<td>First name of the license holder</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.middleName</code></td>\n<td>string</td>\n<td>Middle name of the license holder</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.lastName</code></td>\n<td>string</td>\n<td>Last name of the license holder</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.dateOfBirth</code></td>\n<td>string</td>\n<td>Date of birth (DD-MM-YYYY)</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.gender</code></td>\n<td>string</td>\n<td>Gender of the license holder/ Static</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.bloodGroup</code></td>\n<td>string</td>\n<td>Blood group of the license holder</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.fatherName</code></td>\n<td>string</td>\n<td>Father’s name</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.fatherRelation</code></td>\n<td>string</td>\n<td>Relation type (e.g., Father, Guardian)</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.birthPlace</code></td>\n<td>string</td>\n<td>Place of birth (if available)</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.identityMark1</code></td>\n<td>string</td>\n<td>Identity mark 1 (if available)</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.identityMark2</code></td>\n<td>string</td>\n<td>Identity mark 2 (if available)</td>\n</tr>\n<tr>\n<td><code>data.personalInfo.organDonor</code></td>\n<td>string</td>\n<td>Organ donor status (Y/N)</td>\n</tr>\n<tr>\n<td><code>data.contactInfo.mobileNumber</code></td>\n<td>string</td>\n<td>Registered mobile number</td>\n</tr>\n<tr>\n<td><code>data.contactInfo.alternateNumber</code></td>\n<td>string</td>\n<td>Alternate mobile number</td>\n</tr>\n<tr>\n<td><code>data.contactInfo.phoneNumber</code></td>\n<td>string</td>\n<td>Landline or additional contact number</td>\n</tr>\n<tr>\n<td><code>data.contactInfo.emailId</code></td>\n<td>string</td>\n<td>Registered email ID</td>\n</tr>\n<tr>\n<td><code>data.licenseInfo.dlNumber</code></td>\n<td>string</td>\n<td>Driving License number (formatted)</td>\n</tr>\n<tr>\n<td><code>data.licenseInfo.endorsementNumber</code></td>\n<td>string</td>\n<td>Endorsement reference number</td>\n</tr>\n<tr>\n<td><code>data.licenseInfo.endorsementDate</code></td>\n<td>string</td>\n<td>Date of endorsement (DD-MM-YYYY)</td>\n</tr>\n<tr>\n<td><code>data.licenseInfo.endorsementTime</code></td>\n<td>string</td>\n<td>Time of endorsement (HH:MM:SS)</td>\n</tr>\n<tr>\n<td><code>data.licenseInfo.qualification</code></td>\n<td>string</td>\n<td>License qualification or class</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.addressLine1</code></td>\n<td>string</td>\n<td>Permanent address – line 1</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.addressLine2</code></td>\n<td>string</td>\n<td>Permanent address – line 2</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.addressLine3</code></td>\n<td>string</td>\n<td>Permanent address – line 3</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.district</code></td>\n<td>string</td>\n<td>District name of the permanent address</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.subDistrict</code></td>\n<td>string</td>\n<td>Sub-district or tehsil (if available)</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.villageOrTown</code></td>\n<td>string</td>\n<td>Village or town name</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.pinCode</code></td>\n<td>string</td>\n<td>Pincode of permanent address</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.locationType</code></td>\n<td>string</td>\n<td>R (Rural) / U (Urban)</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.locality</code></td>\n<td>string</td>\n<td>Locality type (RURAL/URBAN)</td>\n</tr>\n<tr>\n<td><code>data.permanentAddress.fullAddress</code></td>\n<td>string</td>\n<td>Complete permanent address (if available)</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.addressLine1</code></td>\n<td>string</td>\n<td>Temporary address – line 1</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.addressLine2</code></td>\n<td>string</td>\n<td>Temporary address – line 2</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.addressLine3</code></td>\n<td>string</td>\n<td>Temporary address – line 3</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.district</code></td>\n<td>string</td>\n<td>District name of the temporary address</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.subDistrict</code></td>\n<td>string</td>\n<td>Sub-district or tehsil (if available)</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.villageOrTown</code></td>\n<td>string</td>\n<td>Village or town name</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.pinCode</code></td>\n<td>string</td>\n<td>Pincode of temporary address</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.locationType</code></td>\n<td>string</td>\n<td>R (Rural) / U (Urban)</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.locality</code></td>\n<td>string</td>\n<td>Locality type (RURAL/URBAN)</td>\n</tr>\n<tr>\n<td><code>data.temporaryAddress.fullAddress</code></td>\n<td>string</td>\n<td>Complete temporary address (if available)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>DL Basic</td>\n<td>400–700 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Status Code</strong></th>\n<th><strong>Message</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid DL or Wrong Input</td>\n<td>Unprocessable Entity</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Invalid or missing Input</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on server. 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It returns license holder information such as name, address, issue/expiry dates, permitted vehicle classes, and more.</p>\n<h2 id=\"use-cases\">Use Cases</h2>\n<p><strong>1. Digital KYC &amp; Customer Onboarding :</strong> Instantly verify user identity using driving license details during account creation or registration.</p>\n<p><strong>2. Employee Background Verification :</strong> Used by HR and staffing agencies to validate driving credentials, especially for transport-related roles.</p>\n<p><strong>3. Vehicle Rentals &amp; Ride-Sharing Platforms :</strong> Ensure drivers or customers have valid and active licenses before allowing access to vehicles.</p>\n<p><strong>4. Insurance Issuance &amp; Claims :</strong> Verify license status and authenticity during policy issuance or motor claim settlements.</p>\n<p><strong>5. Fintech &amp; Lending (Auto Loans) :</strong> Use DL verification as part of identity validation and risk profiling for loan processing</p>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/driving-license/verify</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (required in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"request-body-json\">Request Body (JSON)</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>Driving License number</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>dob</td>\n<td>String</td>\n<td>Date of Birth (YYYY-MM-DD)</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-body-parameters\">Response Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td><code>string</code></td>\n<td>Unique identifier for the client request</td>\n</tr>\n<tr>\n<td><code>data.license_number</code></td>\n<td><code>string</code></td>\n<td>Driving license number</td>\n</tr>\n<tr>\n<td><code>data.state</code></td>\n<td><code>string</code></td>\n<td>State of issuance</td>\n</tr>\n<tr>\n<td><code>data.name</code></td>\n<td><code>string</code></td>\n<td>Name of the license holder</td>\n</tr>\n<tr>\n<td><code>data.permanent_address</code></td>\n<td><code>string</code></td>\n<td>Permanent address of the license holder</td>\n</tr>\n<tr>\n<td><code>data.permanent_zip</code></td>\n<td><code>string</code></td>\n<td>ZIP code for permanent address (if available)</td>\n</tr>\n<tr>\n<td><code>data.city_name</code></td>\n<td><code>string/null</code></td>\n<td>City name (if available)</td>\n</tr>\n<tr>\n<td><code>data.temporary_address</code></td>\n<td><code>string</code></td>\n<td>Temporary address of the license holder</td>\n</tr>\n<tr>\n<td><code>data.temporary_zip</code></td>\n<td><code>string</code></td>\n<td>ZIP code for temporary address (if available)</td>\n</tr>\n<tr>\n<td><code>data.citizenship</code></td>\n<td><code>string</code></td>\n<td>Citizenship (if available)</td>\n</tr>\n<tr>\n<td><code>data.ola_name</code></td>\n<td><code>string</code></td>\n<td>Name of the RTO/office of licensing authority (if available)</td>\n</tr>\n<tr>\n<td><code>data.ola_code</code></td>\n<td><code>string</code></td>\n<td>Code of the licensing authority (if available)</td>\n</tr>\n<tr>\n<td><code>data.gender</code></td>\n<td><code>string</code></td>\n<td>Gender of the license holder (<code>X</code>)</td>\n</tr>\n<tr>\n<td><code>data.father_or_husband_name</code></td>\n<td><code>string</code></td>\n<td>Father or husband’s name</td>\n</tr>\n<tr>\n<td><code>data.dob</code></td>\n<td><code>string</code></td>\n<td>Date of birth of the license holder (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td><code>data.doe</code></td>\n<td><code>string</code></td>\n<td>Date of expiry of the license (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td><code>data.transport_doe</code></td>\n<td><code>string</code></td>\n<td>Expiry date of transport license category (if applicable)</td>\n</tr>\n<tr>\n<td><code>data.doi</code></td>\n<td><code>string</code></td>\n<td>Date of issue of the license (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td><code>data.transport_doi</code></td>\n<td><code>string</code></td>\n<td>Issue date of transport license category (if applicable)</td>\n</tr>\n<tr>\n<td><code>data.profile_image</code></td>\n<td><code>string</code> (base64)</td>\n<td>Base64 encoded profile photo of the license holder</td>\n</tr>\n<tr>\n<td><code>data.has_image</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if the profile image is available</td>\n</tr>\n<tr>\n<td><code>data.blood_group</code></td>\n<td><code>string</code></td>\n<td>Blood group (if available)</td>\n</tr>\n<tr>\n<td><code>data.vehicle_classes</code></td>\n<td><code>array</code></td>\n<td>List of authorized vehicle classes</td>\n</tr>\n<tr>\n<td><code>data.less_info</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if partial data was returned</td>\n</tr>\n<tr>\n<td><code>data.additional_check</code></td>\n<td><code>array</code></td>\n<td>Any additional validation checks performed (if any)</td>\n</tr>\n<tr>\n<td><code>data.initial_doi</code></td>\n<td><code>string</code></td>\n<td>Initial date of issue</td>\n</tr>\n<tr>\n<td><code>data.current_status</code></td>\n<td><code>string/null</code></td>\n<td>Current status of the license (e.g., Active, Suspended, etc.)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>DL Verify</td>\n<td>300–1100 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Status Code</strong></th>\n<th><strong>Message</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid DL or Wrong Input</td>\n<td>Unprocessable Entity</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Invalid or missing Input</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on server. Check logs or retry later</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Ensure that both <strong><code>id_number</code></strong> and <strong><code>dob</code></strong> are correct and follow the required formats.</p>\n</li>\n<li><p>DL numbers must be valid and registered in the issuing authority’s system.</p>\n</li>\n<li><p>For production use, ensure you're using the <strong>Live URL</strong> and a valid API key.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","driving-license","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"bc8660dc-0904-4557-afa2-cc59c6ec00ee","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"TS026201XX00XX57\",\r\n    \"dob\": \"2001-09-20\",\r\n    \"remark\": \"Optional client note or 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       \"has_image\": true,\n        \"blood_group\": \"\",\n        \"vehicle_classes\": [\n            \"Tractor\",\n            \"MCWG\",\n            \"LMV-NT\"\n        ],\n        \"less_info\": false,\n        \"additional_check\": [],\n        \"initial_doi\": \"2019-07-24\",\n        \"current_status\": null\n    }\n}"},{"id":"04ef39fd-f598-443c-b0e2-764971c9c87b","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"TS026201XX00XX54\",\r\n    \"dob\": \"2001-07-20\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/driving-license/verify"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:29:24 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"134"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"86-8mn9TAq/TesZreBCfsv3GOX0Tqs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:29:24.904Z\",\n    \"transaction_id\": \"48cbfedd-a3b9-4816-bdd3-77b342c2d56f\",\n    \"status\": \"error\",\n    \"error_message\": null\n}"}],"_postman_id":"d0e4cbc8-a280-4c5a-9a53-9b292886f2fb"}],"id":"aec54110-1646-44fb-8dc0-cab93775d301","_postman_id":"aec54110-1646-44fb-8dc0-cab93775d301","description":""},{"name":"Vehicle Registration - RC","item":[{"name":"RC Basic","id":"98435a77-4d8d-47b2-98b6-3638d15cf1a1","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"vehicle_number\": \"KAX9MX10XX\",\n   \"remark\": \"Optional client note or reference\"\n\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/vehicle-registration/basic","description":"<h2 id=\"vehicle-registration-basic--masked-data\"><strong>Vehicle Registration Basic ( Masked Data)</strong></h2>\n<h3 id=\"introduction\"><strong>Introduction</strong></h3>\n<p>The <strong>Vehicle Registration Basic Verification API</strong> enables businesses to validate vehicle registration details and access essential RC (Registration Certificate) information directly from official transport authority records.</p>\n<p>This API provides verified registration, ownership, insurance, and vehicle-related data sourced from the Ministry of Road Transport and Highways (MoRTH) database.</p>\n<p>It supports verification workflows across automobile finance, insurance, mobility, logistics, and KYC processes by confirming the authenticity and status of any Indian-registered vehicle.</p>\n<hr />\n<h3 id=\"use-cases\"><strong>Use Cases</strong></h3>\n<ul>\n<li><p>Validate authenticity and active status of a vehicle registration number.</p>\n</li>\n<li><p>Retrieve RC details such as owner name, registration date, and vehicle type.</p>\n</li>\n<li><p>Verify insurance, financer, and tax validity details.</p>\n</li>\n<li><p>Access vehicle specifications including chassis number, engine number, and fuel type.</p>\n</li>\n<li><p>Enable onboarding, asset verification, and compliance use cases in lending, insurance, and fleet operations.</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"api-details\"><strong>API Details</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Live</strong></td>\n<td><code>https://live.totalekyc.com/api/vehicle-registration/basic</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Accept</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h3>\n<p><strong>JSON Example</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"vehicle_number\": \"KA1XMXX0XX\"\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>vehicle_number</td>\n<td>String</td>\n<td>Registered Vehicle Number</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional client remark or tracking comment (logged only, not used in validation)</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.rc_regn_no</td>\n<td>string</td>\n<td>Vehicle registration number</td>\n</tr>\n<tr>\n<td>data.rc_regn_dt</td>\n<td>string</td>\n<td>Registration date (DD-MMM-YYYY)</td>\n</tr>\n<tr>\n<td>data.rc_regn_upto</td>\n<td>string</td>\n<td>Registration valid up to date</td>\n</tr>\n<tr>\n<td>data.rc_purchase_dt</td>\n<td>string</td>\n<td>Purchase date</td>\n</tr>\n<tr>\n<td>data.rc_owner_name</td>\n<td>string</td>\n<td>Owner name (masked from source)</td>\n</tr>\n<tr>\n<td>data.rc_owner_sr</td>\n<td>string</td>\n<td>Owner serial number (1 for primary owner)</td>\n</tr>\n<tr>\n<td>data.rc_present_address</td>\n<td>string</td>\n<td>Registered present address (district and pincode)</td>\n</tr>\n<tr>\n<td>data.rc_permanent_address</td>\n<td>string</td>\n<td>Registered permanent address (district and pincode)</td>\n</tr>\n<tr>\n<td>data.rc_vch_catg</td>\n<td>string</td>\n<td>Vehicle category (e.g., LMV)</td>\n</tr>\n<tr>\n<td>data.rc_vh_class_desc</td>\n<td>string</td>\n<td>Vehicle class description (e.g., Motor Car)</td>\n</tr>\n<tr>\n<td>data.rc_chasi_no</td>\n<td>string</td>\n<td>Masked chassis number</td>\n</tr>\n<tr>\n<td>data.rc_eng_no</td>\n<td>string</td>\n<td>Masked engine number</td>\n</tr>\n<tr>\n<td>data.rc_maker_desc</td>\n<td>string</td>\n<td>Vehicle manufacturer name</td>\n</tr>\n<tr>\n<td>data.rc_maker_model</td>\n<td>string</td>\n<td>Vehicle model name</td>\n</tr>\n<tr>\n<td>data.rc_body_type_desc</td>\n<td>string</td>\n<td>Body type description</td>\n</tr>\n<tr>\n<td>data.rc_fuel_desc</td>\n<td>string</td>\n<td>Fuel type (e.g., PETROL, DIESEL, EV)</td>\n</tr>\n<tr>\n<td>data.rc_color</td>\n<td>string</td>\n<td>Vehicle color</td>\n</tr>\n<tr>\n<td>data.rc_norms_desc</td>\n<td>string</td>\n<td>Emission norms (e.g., BS-VI)</td>\n</tr>\n<tr>\n<td>data.rc_fit_upto</td>\n<td>string</td>\n<td>Fitness certificate valid up to date</td>\n</tr>\n<tr>\n<td>data.rc_tax_upto</td>\n<td>string</td>\n<td>Road tax valid up to date</td>\n</tr>\n<tr>\n<td>data.rc_financer</td>\n<td>string</td>\n<td>Financier/loan provider name</td>\n</tr>\n<tr>\n<td>data.rc_insurance_comp</td>\n<td>string</td>\n<td>Insurance company name</td>\n</tr>\n<tr>\n<td>data.rc_insurance_policy_no</td>\n<td>string</td>\n<td>Insurance policy number</td>\n</tr>\n<tr>\n<td>data.rc_insurance_upto</td>\n<td>string</td>\n<td>Insurance validity date</td>\n</tr>\n<tr>\n<td>data.rc_manu_month_yr</td>\n<td>string</td>\n<td>Manufacturing month and year</td>\n</tr>\n<tr>\n<td>data.rc_unld_wt</td>\n<td>string</td>\n<td>Unladen weight (in kg)</td>\n</tr>\n<tr>\n<td>data.rc_gvw</td>\n<td>string</td>\n<td>Gross Vehicle Weight (in kg)</td>\n</tr>\n<tr>\n<td>data.rc_no_cyl</td>\n<td>string</td>\n<td>Number of cylinders</td>\n</tr>\n<tr>\n<td>data.rc_cubic_cap</td>\n<td>string</td>\n<td>Engine cubic capacity</td>\n</tr>\n<tr>\n<td>data.rc_seat_cap</td>\n<td>string</td>\n<td>Seating capacity</td>\n</tr>\n<tr>\n<td>data.rc_stand_cap</td>\n<td>string</td>\n<td>Standing capacity (for public transport vehicles)</td>\n</tr>\n<tr>\n<td>data.rc_registered_at</td>\n<td>string</td>\n<td>RTO name and state</td>\n</tr>\n<tr>\n<td>data.rc_status_as_on</td>\n<td>string</td>\n<td>Status checked as on date</td>\n</tr>\n<tr>\n<td>data.rc_status</td>\n<td>string</td>\n<td>Current RC status (e.g., ACTIVE, CANCELLED)</td>\n</tr>\n<tr>\n<td>data.rc_pucc_upto</td>\n<td>string</td>\n<td>Pollution Under Control (PUC) valid up to date</td>\n</tr>\n<tr>\n<td>data.rc_pucc_no</td>\n<td>string</td>\n<td>PUC certificate number</td>\n</tr>\n<tr>\n<td>data.rc_own_catg_desc</td>\n<td>string</td>\n<td>Ownership category (e.g., GENERAL)</td>\n</tr>\n<tr>\n<td>data.rc_vch_catg_desc</td>\n<td>string</td>\n<td>Vehicle category description</td>\n</tr>\n<tr>\n<td>data.rc_owner_cd_desc</td>\n<td>string</td>\n<td>Owner type (e.g., INDIVIDUAL, COMPANY)</td>\n</tr>\n<tr>\n<td>data.rc_sale_amt</td>\n<td>string</td>\n<td>Sale amount (if available)</td>\n</tr>\n<tr>\n<td>data.state_cd</td>\n<td>string</td>\n<td>State code of registration</td>\n</tr>\n<tr>\n<td>data.rto_cd</td>\n<td>string</td>\n<td>RTO code</td>\n</tr>\n<tr>\n<td>data.api_response_message</td>\n<td>string</td>\n<td>Response message from the data source</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>RC Basic</td>\n<td>300–600 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Status Code</strong></th>\n<th><strong>Message</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid RC</td>\n<td>Unprocessable Entity</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Invalid or missing Input</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue on server. Check logs or retry later</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","auth":{"type":"noauth","isInherited":true,"source":{"_postman_id":"d7f6a8d7-39e4-41d5-8490-fc8c207bba70","id":"d7f6a8d7-39e4-41d5-8490-fc8c207bba70","name":"Vehicle Registration - RC","type":"folder"}},"urlObject":{"path":["api","vehicle-registration","basic"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"4e44f69e-f73e-4723-b70e-8ab33ddf0aa1","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"vehicle_number\": \"KAX9MX10XX\",\n   \"remark\": \"Optional client note or reference\"\n\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/vehicle-registration/basic"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 09 Oct 2025 08:04:19 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"2080"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"820-lxVJdNU1cn4TJk9FIkYPRvCYMu8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-10-09T08:04:19.975Z\",\n    \"transaction_id\": \"TXN-cf31abaa-7aa6-4cd9-aa77-67672f8cbe7b\",\n    \"status\": \"success\",\n    \"data\": {\n        \"VehicleDetails\": {\n            \"stautsMessage\": \"OK\",\n            \"rc_regn_no\": \"KAX9MX10XX\",\n            \"rc_regn_dt\": \"14-Feb-2022\",\n            \"rc_regn_upto\": \"13-Feb-2037\",\n            \"rc_purchase_dt\": \"05-Feb-2022\",\n            \"rc_owner_sr\": \"1\",\n            \"rc_owner_name\": \"R****V K***R D***R\",\n            \"state_cd\": \"MH\",\n            \"rto_cd\": \"12\",\n            \"api_response_message\": \"\",\n            \"rc_present_address\": \"Pune, Maharashtra, 411038\",\n            \"rc_permanent_address\": \"Pune, Maharashtra, 411038\",\n            \"rc_vch_catg\": \"LMV\",\n            \"rc_vh_class_desc\": \"Motor Car (LMV)\",\n            \"rc_chasi_no\": \"MA3ELKD1S00H*****\",\n            \"rc_eng_no\": \"K15B2M0*****\",\n            \"rc_maker_desc\": \"MARUTI SUZUKI INDIA LIMITED\",\n            \"rc_maker_model\": \"BALENO ZETA 1.2\",\n            \"rc_body_type_desc\": \"HATCHBACK\",\n            \"rc_fuel_desc\": \"PETROL\",\n            \"rc_color\": \"NEXA BLUE\",\n            \"rc_norms_desc\": \"BHARAT STAGE VI\",\n            \"rc_fit_upto\": \"13-Feb-2037\",\n            \"rc_tax_upto\": \"13-Feb-2037\",\n            \"rc_financer\": \"HDFC BANK LTD\",\n            \"rc_insurance_comp\": \"ICICI Lombard General Insurance Co. Ltd.\",\n            \"rc_insurance_policy_no\": \"ICLMOT2024003987\",\n            \"rc_insurance_upto\": \"05-Feb-2026\",\n            \"rc_manu_month_yr\": \"01/2022\",\n            \"rc_unld_wt\": \"910\",\n            \"rc_gvw\": \"1350\",\n            \"rc_no_cyl\": \"4\",\n            \"rc_cubic_cap\": \"1197.00\",\n            \"rc_seat_cap\": \"5\",\n            \"rc_sleeper_cap\": \"0\",\n            \"rc_stand_cap\": \"0\",\n            \"rc_wheelbase\": \"2520\",\n            \"rc_registered_at\": \"Pune RTO, Maharashtra\",\n            \"rc_status_as_on\": \"09-Oct-2025\",\n            \"rc_pucc_upto\": \"04-Feb-2026\",\n            \"rc_pucc_no\": \"MH12001002004567\",\n            \"rc_status\": \"ACTIVE\",\n            \"rc_ncrb_status\": \"\",\n            \"rc_blacklist_status\": \"\",\n            \"rc_noc_details\": \"\",\n            \"rc_vh_type\": \"N\",\n            \"rc_vh_class\": \"7\",\n            \"rc_noc_dt\": \"\",\n            \"rc_fuel_cd\": \"1\",\n            \"rc_maker_cd\": \"012\",\n            \"rc_model_cd\": \"BALENOZETA12P\",\n            \"rc_norms_cd\": \"0\",\n            \"rc_sale_amt\": \"875000.0\",\n            \"rc_own_catg_desc\": \"INDIVIDUAL\",\n            \"rc_vch_catg_desc\": \"LIGHT MOTOR VEHICLE\",\n            \"rc_owner_cd_desc\": \"INDIVIDUAL\",\n            \"rc_vehicle_surrendered_to_dealer\": \"0\",\n            \"rc_currentadd_districtcode\": \"04\",\n            \"rc_non_use\": \"false\",\n            \"rc_passenger_tax\": \"\",\n            \"rc_goods_tax\": \"\",\n            \"rc_no_of_axle\": \"2\",\n            \"rc_aitp_upto\": \"\",\n            \"rc_aitp_no\": \"\",\n            \"rc_tax_mode\": \"L\",\n            \"rc_aitp_pmt_upto\": \"\",\n            \"rc_aitp_pmt_no\": \"\",\n            \"rc_gcw\": \"\",\n            \"rc_floor_area\": \"\",\n            \"rc_length\": \"3995\",\n            \"rc_height\": \"1500\",\n            \"rc_permit_service_type\": \"\",\n            \"rc_counter_sign_upto\": \"\",\n            \"rc_fitness_rqrd_for\": \"\"\n        }\n    }\n}\n"},{"id":"b9621418-3918-4125-a615-12eddbdd7de5","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"vehicle_number\": \"\",\n   \"remark\": \"Optional client note or reference\"\n\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/rc/vahan"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 09 Oct 2025 08:04:43 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-4oH22NRf+/Hwh6EEh4hEAPTxwgg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input rc_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"66d9ebe2-4e51-40a7-9c27-25002750310c","name":"Invalid Input (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"},{"key":"Accept","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"vehicle_number\": \"KAX9MX10XX2\",\n   \"remark\": \"Optional client note or reference\"\n\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/rc/vahan"},"status":"Unprocessable Entity","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 09 Oct 2025 08:03:56 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"161"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"a1-x2ZDA4ummOGfUbkYK5QVH5eZXio\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-10-09T08:03:56.589Z\",\n    \"transaction_id\": \"TXN-4053bbe1-f925-4e6d-ac1e-6f2e58207281\",\n    \"error_message\": \"Vehicle Details not Found\"\n}"}],"_postman_id":"98435a77-4d8d-47b2-98b6-3638d15cf1a1"}],"id":"d7f6a8d7-39e4-41d5-8490-fc8c207bba70","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"72b68179-f286-4cbd-a4fc-c79cae849567","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"828bec56-fa2f-4011-8fcb-fa680a99380b","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"d7f6a8d7-39e4-41d5-8490-fc8c207bba70","description":""},{"name":"Digilocker - Aadhaar Verification","item":[{"name":"Initialize","id":"bc21a629-dac0-41e4-b6ed-33b71b13bc5a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"signup_flow\":false,\n    \"redirect_url\":\"https://finb.tech\",\n    \"expiry_minutes\":20,\n    \"remark\" :\"Optional Field\"\n    \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/digilocker/initialize","description":"<h3 id=\"description\">Description</h3>\n<p>This API is used to initialize the <strong>Digilocker KYC flow</strong>. It generates a secure session with a unique transaction token and returns a <code>url</code> that redirects the user to the Digilocker consent and document retrieval page.</p>\n<p>The session will expire after the specified <code>expiry_minutes</code>.</p>\n<hr />\n<h3 id=\"request\">Request</h3>\n<h4 id=\"headers\">Headers</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Value</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n<td>Request body must be in JSON format</td>\n</tr>\n</tbody>\n</table>\n</div><h4 id=\"body-json\">Body (JSON)</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>signup_flow</td>\n<td>boolean</td>\n<td>Yes</td>\n<td>Indicates if the flow is for Digilocker <strong>sign-up</strong> (<code>true</code>) or <strong>fetching existing documents</strong> (<code>false</code>).</td>\n</tr>\n<tr>\n<td>redirect_url</td>\n<td>string</td>\n<td>Yes</td>\n<td>URL where the user will be redirected after completing the Digilocker flow.</td>\n</tr>\n<tr>\n<td>expiry_minutes</td>\n<td>number</td>\n<td>Yes</td>\n<td>Duration (in minutes) after which the session will expire.</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>string</td>\n<td>No</td>\n<td>Optional field for client-side tracking or remarks.</td>\n</tr>\n</tbody>\n</table>\n</div><h5 id=\"example-request\">Example Request</h5>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"signup_flow\": false,\n  \"redirect_url\": \"https://finb.tech\",\n  \"expiry_minutes\": 20,\n  \"remark\": \"Optional Field\"\n}\n\n</code></pre>\n<hr />\n<h3 id=\"response\">Response</h3>\n<h4 id=\"success-response-200-ok\">Success Response (200 OK)</h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-09-10T08:35:01.629Z\",\n  \"transaction_id\": \"TXN-4770b978-d8f2-432b-be5b-558ae5fbabed\",\n  \"status\": \"success\",\n  \"data\": {\n    \"client_id\": \"digilocker_fOolddpdihfeCQvyLpUq\",\n    \"token\": \".eJyrVkrOyUzNK4nPTFGyUkrJTM_MyU_OTi2KT_PPz0lJKUjJzEhLdQ4sq_QpCC1U0lFKTyxJLU-sBKotKMpPKU0uyczPAwqXVBakouhXqgUA3HEgow.aME4Ng.wwbeJD7qAbydb3aD_W9ocuSZyB8\",\n    \"url\": \"https://digilocker-sdk.notbot.in/?gateway=production&amp;type=digilocker&amp;token=.eJyrVkrOyUzNK4nPTFGyUkrJTM_MyU_OTi2KT_PPz0lJKUjJzEhLdQ4sq_QpCC1U0lFKTyxJLU-sBKotKMpPKU0uyczPAwqXVBakouhXqgUA3HEgow.aME4Ng.wwbeJD7qAbydb3aD_W9ocuSZyB8&amp;auth_type=web\",\n    \"expiry_seconds\": 1200\n  }\n}\n\n</code></pre>\n<h4 id=\"response-parameters\">Response Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.client_id</td>\n<td>string</td>\n<td>Unique client session ID for Digilocker flow.</td>\n</tr>\n<tr>\n<td>data.token</td>\n<td>string</td>\n<td>Secure session token used for Digilocker authentication.</td>\n</tr>\n<tr>\n<td>data.url</td>\n<td>string</td>\n<td>URL to redirect the user to complete Digilocker authentication and document access.</td>\n</tr>\n<tr>\n<td>data.expiry_seconds</td>\n<td>number</td>\n<td>Session validity in seconds (derived from <code>expiry_minutes</code>).</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Digilocker Initialize</td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"error-handling\">Error Handling</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Successful</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Bad Request or Missing Inputs</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Validation error</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal server error</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<p>⚡ <strong>Usage Tip:</strong></p>\n<ul>\n<li><p>Use the returned <code>url</code> to redirect the user to Digilocker.</p>\n</li>\n<li><p>Track <code>transaction_id</code> for debugging and reconciliation.</p>\n</li>\n<li><p>Ensure <code>expiry_minutes</code> is sufficient for the user journey (recommended: 15–30 minutes).</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","digilocker","initialize"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"698534ad-bb17-43d9-aec3-6c72104981cc","name":"Successful 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\"https://digilocker-sdk.notbot.in/?gateway=production&type=digilocker&token=.eJyrVkrOyUzNK4nPTFGyUkrJTM_MyU_OTi2KT_PPz0lJKUjJzEhLdQ4sq_QpCC1U0lFKTyxJLU-sBKotKMpPKU0uyczPAwqXVBakouhXqgUA3HEgow.aME4Ng.wwbeJD7qAbydb3aD_W9ocuSZyB8&auth_type=web\",\n        \"expiry_seconds\": 1200\n    }\n}"},{"id":"ccab6784-86be-4bcc-917d-01f97ab03265","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"body":{"mode":"raw","raw":"{\n    \"signup_flow\":,\n    \"redirect_url\":\"https://finb.tech\",\n    \"expiry_minutes\":20,\n    \"remark\" :\"Optional Field\"\n    \n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/digilocker/initialize"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Unexpected token , in JSON at position 20\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"bc21a629-dac0-41e4-b6ed-33b71b13bc5a"},{"name":"Check Status","id":"75c75b6c-7cae-430d-a250-dc33ede3c88d","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":"https://live.totalekyc.com/api/kyc/digilocker/status?client_id={{client_id}}&remark=Optional client note or reference","description":"<h3 id=\"description\">Description</h3>\n<p>This API is used to <strong>check the current status</strong> of a Digilocker session initialized using the <code>initialize</code> API.</p>\n<p>It returns whether the flow is completed, failed, or still in progress, along with additional flags such as Aadhaar linkage and error information.</p>\n<hr />\n<h3 id=\"request\">Request</h3>\n<h4 id=\"query-parameters\">Query Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>client_id</td>\n<td>string</td>\n<td>Yes</td>\n<td>The unique client session ID received from the <code>initialize</code> API.</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>string</td>\n<td>No</td>\n<td>Optional field for client-side notes or references.</td>\n</tr>\n</tbody>\n</table>\n</div><h5 id=\"example-request\">Example Request</h5>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">GET https://uat.totalekyc.com/api/kyc/digilocker/status?client_id={{client_id}}&amp;remark=Optional client note or reference\n\n</code></pre>\n<hr />\n<h3 id=\"response\">Response</h3>\n<h4 id=\"success-response-200-ok\">Success Response (200 OK)</h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-09-10T08:44:56.690Z\",\n  \"transaction_id\": \"TXN-690f6932-c41d-4b53-ab35-421abcdcf37b\",\n  \"status\": \"success\",\n  \"data\": {\n    \"error_description\": null,\n    \"status\": \"completed\",\n    \"completed\": true,\n    \"failed\": false,\n    \"error_count\": 0,\n    \"aadhaar_linked\": true\n  }\n}\n\n</code></pre>\n<h4 id=\"response-parameters\">Response Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.error_description</td>\n<td>string</td>\n<td>Details of the error if the request failed, otherwise <code>null</code>.</td>\n</tr>\n<tr>\n<td>data.status</td>\n<td>string</td>\n<td>Current Digilocker flow status: <code>client_initiated</code>, <code>completed</code>, or <code>oauth_failed</code>.</td>\n</tr>\n<tr>\n<td>data.completed</td>\n<td>boolean</td>\n<td><code>true</code> if the flow was successfully completed.</td>\n</tr>\n<tr>\n<td>data.failed</td>\n<td>boolean</td>\n<td><code>true</code> if the flow failed.</td>\n</tr>\n<tr>\n<td>data.error_count</td>\n<td>number</td>\n<td>Number of errors encountered during the flow.</td>\n</tr>\n<tr>\n<td>data.aadhaar_linked</td>\n<td>boolean</td>\n<td>Indicates if Aadhaar was linked successfully in the Digilocker flow.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-handling-tips\">Status Handling Tips</h3>\n<ul>\n<li><p>Typical status flow: <strong><code>client_initiated</code></strong> <strong>→</strong> <strong><code>completed</code></strong> <strong>or</strong> <code>oauth_failed</code>.</p>\n</li>\n<li><p>Always check <code>completed</code> and <code>oauth_failed</code> booleans for final state.</p>\n</li>\n<li><p>If <code>aadhaar_linked</code> = <code>true</code>, you can safely call the <strong>Aadhaar XML retrieval</strong> endpoint.</p>\n</li>\n<li><p>If <code>failed</code> = <code>true</code>, log the <code>error_description</code> and report to support.</p>\n</li>\n<li><p>Use <strong>exponential backoff polling</strong> when checking status (avoid aggressive polling).</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Digilocker Check Status</td>\n<td>300–700 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"error-handling\">Error Handling</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Successful</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid or missing <code>client_id</code></td>\n</tr>\n<tr>\n<td>422</td>\n<td>Validation error</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal server error</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<p>⚡ <strong>Usage Tip:</strong></p>\n<p>Use this API in a loop (with backoff) until the status changes to either <strong><code>completed</code></strong> or <strong><code>failed</code></strong>.</p>\n","urlObject":{"path":["api","kyc","digilocker","status"],"host":["https://live.totalekyc.com"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"remark","value":"Optional client note or reference"}],"variable":[]}},"response":[{"id":"1918dae0-0303-45da-83e0-5a763a7c3521","name":"Access Granted (200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/status?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","status"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:44:56 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"244"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"f4-lLdmZcn208tbp/8wPd5KR9W5u/k\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T08:44:56.690Z\",\n    \"transaction_id\": \"TXN-690f6932-c41d-4b53-ab35-421abcdcf37b\",\n    \"status\": \"success\",\n    \"data\": {\n        \"error_description\": null,\n        \"status\": \"completed\",\n        \"completed\": true,\n        \"failed\": false,\n        \"error_count\": 0,\n        \"aadhaar_linked\": true\n    }\n}"},{"id":"8e0784b7-a1a4-4f0f-be83-6720397a8f38","name":"Access Denied (200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/status?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","status"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:04:44 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"288"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"120-Mk3RunD2Adkjqt69y3cYOk+GgnE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T08:04:44.851Z\",\n    \"transaction_id\": \"TXN-fc9a8a7e-7769-415b-b873-3a9617d6d13b\",\n    \"status\": \"success\",\n    \"data\": {\n        \"error_description\": \"The user denied access to your application\",\n        \"status\": \"oauth_failed\",\n        \"completed\": false,\n        \"failed\": true,\n        \"error_count\": 0,\n        \"aadhaar_linked\": false\n    }\n}"},{"id":"69d5f318-a08e-47f4-8e28-d6949c7e7786","name":"Client Initiated (200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/status?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","status"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:06:23 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"253"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"fd-Tv7YL3QqNckTfPq59Go7q9vyywM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T08:06:23.990Z\",\n    \"transaction_id\": \"TXN-d97ba809-5380-4e61-b430-b0bdd3d3544f\",\n    \"status\": \"success\",\n    \"data\": {\n        \"error_description\": null,\n        \"status\": \"client_initiated\",\n        \"completed\": false,\n        \"failed\": false,\n        \"error_count\": 0,\n        \"aadhaar_linked\": false\n    }\n}"}],"_postman_id":"75c75b6c-7cae-430d-a250-dc33ede3c88d"},{"name":"Check Aadhar XML","id":"20c83375-352e-409e-a3f5-b20b0d06d594","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":"https://live.totalekyc.com/api/kyc/digilocker/aadhar-xml?client_id={{client_id}}&remark=Optional client note or reference","description":"<h3 id=\"description\">Description</h3>\n<p>This API retrieves the <strong>Aadhaar XML data and metadata</strong> after successful Digilocker consent.</p>\n<p>It provides parsed Aadhaar information such as <strong>name, DOB, gender, address, masked Aadhaar, and profile image</strong> along with a signed <code>xml_url</code> for downloading the official XML file.</p>\n<hr />\n<h3 id=\"request\">Request</h3>\n<h4 id=\"query-parameters\">Query Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>client_id</td>\n<td>string</td>\n<td>Yes</td>\n<td>The unique client session ID received from the <code>initialize</code> API.</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>string</td>\n<td>No</td>\n<td>Optional field for client-side notes or references.</td>\n</tr>\n</tbody>\n</table>\n</div><h5 id=\"example-request\">Example Request</h5>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>GET https://uat.totalekyc.com/api/kyc/digilocker/aadhar-xml?client_id={{client_id}}&amp;remark=Optional client note or reference\n\n</code></pre><hr />\n<h3 id=\"response\">Response</h3>\n<h4 id=\"success-response-200-ok\">Success Response (200 OK)</h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-09-10T08:45:24.554Z\",\n  \"transaction_id\": \"TXN-9c31bdfb-9fc8-4629-b62f-f4ad18e320ee\",\n  \"status\": \"success\",\n  \"data\": {\n    \"client_id\": \"digilocker_tRLuRageoutAscrbKXlN\",\n    \"digilocker_metadata\": {\n      \"name\": \"AMAN SHARMA\",\n      \"gender\": \"M\",\n      \"dob\": \"1990-11-20\"\n    },\n    \"aadhaar_xml_data\": {\n      \"full_name\": \"Aman Sharma\",\n      \"care_of\": \"S/O Rohin Singh\",\n      \"dob\": \"1990-11-20\",\n      \"yob\": \"1990\",\n      \"zip\": \"149164\",\n      \"profile_image\": \"&lt;Base64 string&gt;\",\n      \"gender\": \"M\",\n      \"masked_aadhaar\": \"XXXXXXXX1627\",\n      \"full_address\": \"123, Green Park, Near Metro Station, New Delhi South Delhi Delhi India\",\n      \"father_name\": \"S/O Rohin Singh\",\n      \"address\": {\n        \"country\": \"India\",\n        \"dist\": \"Delhi\",\n        \"state\": \"Delhi\",\n        \"po\": \"South Delhi\",\n        \"house\": \"12\",\n        \"loc\": \"123, Green Park, Near Metro Station,\",\n        \"vtc\": \"South Delhi\",\n        \"subdist\": \"South Delhi\",\n        \"street\": \".\",\n        \"landmark\": \".\"\n      }\n    },\n    \"xml_url\": \"https://aadhaar-kyc-docs.s3.amazonaws.com/finbapp/digilocker/digilocker_tR-...&amp;X-Amz-Signature=...\"\n    \"auid\": \"6fa8e2f3ed067c11\"\n }\n}\n\n</code></pre>\n<hr />\n<h4 id=\"response-parameters\">Response Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.client_id</td>\n<td>string</td>\n<td>Client session ID linked with the Digilocker request.</td>\n</tr>\n<tr>\n<td>data.digilocker_metadata.name</td>\n<td>string</td>\n<td>Name as returned by Digilocker metadata.</td>\n</tr>\n<tr>\n<td>data.digilocker_metadata.gender</td>\n<td>string</td>\n<td>Gender (M/F/O).</td>\n</tr>\n<tr>\n<td>data.digilocker_metadata.dob</td>\n<td>string</td>\n<td>Date of birth (YYYY-MM-DD).</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.full_name</td>\n<td>string</td>\n<td>Full name as per Aadhaar.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.care_of</td>\n<td>string</td>\n<td>Care-of (Father/Guardian/Spouse) details.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.dob</td>\n<td>string</td>\n<td>Date of birth (YYYY-MM-DD).</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.yob</td>\n<td>string</td>\n<td>Year of birth.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.zip</td>\n<td>string</td>\n<td>Pincode/ZIP code.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.profile_image</td>\n<td>string</td>\n<td>Base64-encoded Aadhaar profile photo.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.gender</td>\n<td>string</td>\n<td>Gender (M/F/O).</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.masked_aadhaar</td>\n<td>string</td>\n<td>Masked Aadhaar number (last 4 digits visible).</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.full_address</td>\n<td>string</td>\n<td>Complete concatenated Aadhaar address.</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.father_name</td>\n<td>string</td>\n<td>Father’s name (if available).</td>\n</tr>\n<tr>\n<td>data.aadhaar_xml_data.address</td>\n<td>object</td>\n<td>Structured Aadhaar address object (country, state, district, sub-district, locality, etc.).</td>\n</tr>\n<tr>\n<td>data.xml_url</td>\n<td>string</td>\n<td>Pre-signed AWS S3 URL to download the official Aadhaar XML file (expires after defined TTL).</td>\n</tr>\n<tr>\n<td>auid</td>\n<td>string</td>\n<td>Unique Aadhaar Identifier</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-handling-tips\">Status Handling Tips</h3>\n<ul>\n<li><p>Ensure you call this API <strong>only after</strong> <strong><code>status</code></strong> <strong>API shows</strong> <strong><code>completed</code></strong> <strong>and</strong> <strong><code>aadhaar_linked = true</code></strong>.</p>\n</li>\n<li><p>Use <code>xml_url</code> if you require the <strong>raw signed XML</strong> for compliance or archival.</p>\n</li>\n<li><p>Use <code>aadhaar_xml_data</code> object for <strong>parsed Aadhaar data</strong> in structured JSON format.</p>\n</li>\n<li><p>Handle <code>profile_image</code> as a <strong>Base64 string</strong> → Convert to image file when needed.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Digilocker Check Aadhaar XML</td>\n<td>300–1100 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-code\">Status Code</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Successful</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Access Denied Or Access Pending</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal server error</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","digilocker","aadhar-xml"],"host":["https://live.totalekyc.com"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"remark","value":"Optional client note or reference"}],"variable":[]}},"response":[{"id":"1bce15f0-a13d-42be-84b4-424a878aa875","name":"Successful (200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/aadhar-xml?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","aadhar-xml"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:45:24 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"8253"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"203d-TYN4VJTaK8UNBWYiqr7OjALfjhA\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T08:45:24.554Z\",\n    \"transaction_id\": \"TXN-9c31bdfb-9fc8-4629-b62f-f4ad18e320ee\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"digilocker_tRLuRageoutAscrbKXlN\",\n        \"digilocker_metadata\": {\n            \"name\": \"AMAN SHARMA\",\n            \"gender\": \"M\",\n            \"dob\": \"1990-11-20\"\n        },\n        \"aadhaar_xml_data\": {\n            \"full_name\": \"Aman Sharma\",\n            \"care_of\": \"S/O Rohin Singh\",\n            \"dob\": \"1990-11-20\",\n            \"yob\": \"1990\",\n            \"zip\": \"149164\",\n            \"profile_image\": \"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\",\n            \"gender\": \"M\",\n            \"masked_aadhaar\": \"XXXXXXXX1627\",\n            \"full_address\": \"123, Green Park, Near Metro Station, New Delhi South Delhi Delhi India\",\n            \"father_name\": \"S/O Rohin Singh\",\n            \"address\": {\n                \"country\": \"India\",\n                \"dist\": \"Delhi\",\n                \"state\": \"Delhi\",\n                \"po\": \"South Delhi\",\n                \"house\": 12\",\n                \"loc\": \"123, Green Park, Near Metro Station,\",\n                \"vtc\": \"South Delhi\",\n                \"subdist\": \"Sout Delhi\",\n                \"street\": \".\",\n                \"landmark\": \".\"\n            }\n        },\n        \"xml_url\": \"https://aadhaar-kyc-docs.s3.amazonaws.com/finbapp/digilocker/digilocker_tR-Credential=AKIAY5K3QRM5KVPBYKKE%2F20250910%2Fap-south-1%2Fs3%2Faws4_request&X-Amz-Date=20250910T084524Z&X-Amz-Expires=600&X-Amz-SignedHeaders=host&X-Amz-Signature=b4ae00a6aebc1bf1f7bd294fbe2df58250985760773954b31cef90a3e2286857\"\n\n        \"auid\": \"6fa8e2f3ed067c11\"\n    }\n}"},{"id":"91711eef-75ed-4a6b-80a6-e0b0db303f6b","name":"Access Pending (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/aadhar-xml?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","aadhar-xml"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"Unprocessable Entity","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:34:32 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"157"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9d-GWE26Dv6p8CkHuTcFMd7zM0bINM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:34:32.495Z\",\n    \"transaction_id\": \"TXN-0d3053ea-27a3-45e5-b8b5-602dc97653a7\",\n    \"error_message\": \"Client ID is expired.\"\n}"},{"id":"5450be94-7e17-487e-968c-84b3962d7744","name":"Access Denied (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/aadhar-xml?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","aadhar-xml"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"Unprocessable Entity","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:35:51 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"157"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9d-yj7PLuLFn35GEgAltBkcCWbpOnM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:35:51.280Z\",\n    \"transaction_id\": \"TXN-cbfd8ff7-fbcf-4be8-a518-f5bf46bcb6a2\",\n    \"error_message\": \"Client ID is expired.\"\n}"}],"_postman_id":"20c83375-352e-409e-a3f5-b20b0d06d594"},{"name":"List Documents","id":"2c0cdc17-d8f6-4e04-b21e-b7ec8cb37e1f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":"https://live.totalekyc.com/api/kyc/digilocker/list-documents?client_id={{client_id}}&remark=Optional client note or reference","description":"<h3 id=\"description\">Description</h3>\n<p>This API retrieves a <strong>list of all documents available in the user’s Digilocker account</strong> after successful consent.</p>\n<p>Each entry includes the <strong>file ID, document type, issuer, and download status</strong>, which can be used to fetch or validate documents individually.</p>\n<hr />\n<h3 id=\"request\">Request</h3>\n<h4 id=\"query-parameters\">Query Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>client_id</td>\n<td>string</td>\n<td>Yes</td>\n<td>Unique client session ID generated from the <code>initialize</code> API.</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>string</td>\n<td>No</td>\n<td>Optional field for client-side notes or references.</td>\n</tr>\n</tbody>\n</table>\n</div><h5 id=\"example-request\">Example Request</h5>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">GET https://uat.totalekyc.com/api/kyc/digilocker/list-documents?client_id={{client_id}}&amp;remark=Optional client note or reference\n\n</code></pre>\n<hr />\n<h3 id=\"response\">Response</h3>\n<h4 id=\"success-response-200-ok\">Success Response (200 OK)</h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-09-10T05:05:32.983Z\",\n  \"transaction_id\": \"TXN-034c3873-b9f8-4323-abc5-d9773571bd6f\",\n  \"status\": \"success\",\n  \"data\": [\n    {\n      \"file_id\": \"digilocker_file_fhoSjiqttsyQepcQq\",\n      \"name\": \"Aadhaar Card\",\n      \"doc_type\": \"ADHAR\",\n      \"downloaded\": true,\n      \"issuer\": \"Unique Identification Authority of India (UIDAI)\",\n      \"description\": \"Aadhaar Card\"\n    },\n    {\n      \"file_id\": \"digilocker_file_EmhXxbbfctisaOkiyrgp\",\n      \"name\": \"Class XII Passing Certificate\",\n      \"doc_type\": \"HPCER\",\n      \"downloaded\": true,\n      \"issuer\": \"Central Board of Secondary Education\",\n      \"description\": \"Class XII Passing Certificate\"\n    },\n    {\n      \"file_id\": \"aadhaar\",\n      \"name\": \"Aadhaar Card\",\n      \"doc_type\": \"ADHAR\",\n      \"downloaded\": true,\n      \"issuer\": \"Unique Identification Authority of India (UIDAI)\",\n      \"description\": \"Aadhaar Card\"\n    }\n  ]\n}\n\n</code></pre>\n<hr />\n<h4 id=\"response-parameters\">Response Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data</td>\n<td>array</td>\n<td>Array of available Digilocker documents.</td>\n</tr>\n<tr>\n<td>data[].file_id</td>\n<td>string</td>\n<td>Unique identifier for the document file (used for download).</td>\n</tr>\n<tr>\n<td>data[].name</td>\n<td>string</td>\n<td>Name of the document (e.g., Aadhaar Card, Passing Certificate).</td>\n</tr>\n<tr>\n<td>data[].doc_type</td>\n<td>string</td>\n<td>Document type code as defined by Digilocker (e.g., ADHAR, HPCER).</td>\n</tr>\n<tr>\n<td>data[].downloaded</td>\n<td>boolean</td>\n<td>Whether the document has been successfully fetched/downloaded.</td>\n</tr>\n<tr>\n<td>data[].issuer</td>\n<td>string</td>\n<td>Issuing authority of the document.</td>\n</tr>\n<tr>\n<td>data[].description</td>\n<td>string</td>\n<td>Short description of the document.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"usage-notes\">Usage Notes</h3>\n<ul>\n<li><p>Use the <strong><code>file_id</code></strong> to fetch/download the actual document via the <strong><code>download-document</code></strong> <strong>API</strong>.</p>\n</li>\n<li><p><code>downloaded = true</code> indicates the document is already fetched once; however, it can still be re-downloaded.</p>\n</li>\n<li><p>Some documents may appear multiple times (e.g., Aadhaar card in different categories).</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Digilocker List Documents</td>\n<td>400–900 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"error-handling\">Error Handling</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Successful</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Access Denied or Access Pending</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal server error.</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","digilocker","list-documents"],"host":["https://live.totalekyc.com"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"remark","value":"Optional client note or reference"}],"variable":[]}},"response":[{"id":"a5cec699-73b8-4318-937b-ddf7e54a2353","name":"Successful(200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/list-documents?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","list-documents"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 05:05:32 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"718"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"2ce-STo8z+Fk1dzChgyQsNq/EOrkBmI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T05:05:32.983Z\",\n    \"transaction_id\": \"TXN-034c3873-b9f8-4323-abc5-d9773571bd6f\",\n    \"status\": \"success\",\n    \"data\": [\n        {\n            \"file_id\": \"digilocker_file_fhoSjiqttsyIyXQepcQq\",\n            \"name\": \"Aadhaar Card\",\n            \"doc_type\": \"ADHAR\",\n            \"downloaded\": true,\n            \"issuer\": \"Unique Identification Authority of India (UIDAI)\",\n            \"description\": \"Aadhaar Card\"\n        },\n        {\n            \"file_id\": \"digilocker_file_EmhXxbbfctisaOkiyrgp\",\n            \"name\": \"Class XII Passing Certificate\",\n            \"doc_type\": \"HPCER\",\n            \"downloaded\": true,\n            \"issuer\": \"Central Board of Secondary Education\",\n            \"description\": \"Class XII Passing Certificate\"\n        },\n        {\n            \"file_id\": \"aadhaar\",\n            \"name\": \"Aadhaar Card\",\n            \"doc_type\": \"ADHAR\",\n            \"downloaded\": true,\n            \"issuer\": \"Unique Identification Authority of India (UIDAI)\",\n            \"description\": \"Aadhaar Card\"\n        }\n    ]\n}"},{"id":"462a8e09-b443-4601-a5f6-6fcd32093b10","name":"Access Pending (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/list-documents?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","list-documents"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"Unprocessable Content","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:09:40 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"135"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"87-sJMyEhrvZWgvXj6jO03q0ncBhwo\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:57:03.314Z\",\n    \"transaction_id\": \"TXN-7a43cb9a-86ce-4e9f-a764-b02540bd8cfd\",\n    \"error_message\": \"Oauth not completed yet\"\n}"},{"id":"89b9f371-bba4-4e93-86a4-9e27e4b964b1","name":"Access Denied (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/list-documents?client_id={{client_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","list-documents"],"query":[{"key":"client_id","value":"{{client_id}}"}]}},"status":"Unprocessable Content","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:48:36 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"135"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"87-LyAnCn8s9jSAsta37NMPAV7Iqcs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:57:42.023Z\",\n    \"transaction_id\": \"TXN-69f295c4-7e43-46ce-97aa-b29ceecba0e1\",\n    \"error_message\": \"Oauth not completed yet\"\n}"}],"_postman_id":"2c0cdc17-d8f6-4e04-b21e-b7ec8cb37e1f"},{"name":"Download Documents","id":"a26036b6-e6f1-4a27-96f2-ee6db71eb819","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":"https://live.totalekyc.com/api/kyc/digilocker/document?client_id={{client_id}}&file_id={{file_id}}&remark=Optional client note or reference","description":"<h3 id=\"description\">Description</h3>\n<p>This API downloads a <strong>specific document from the user’s Digilocker account</strong> using the provided <code>file_id</code>.</p>\n<p>It returns a <strong>pre-signed S3 download URL</strong> along with the document MIME type (e.g., <code>application/pdf</code>).</p>\n<hr />\n<h3 id=\"request\">Request</h3>\n<h4 id=\"query-parameters\">Query Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Required</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>client_id</td>\n<td>string</td>\n<td>Yes</td>\n<td>Unique client session ID generated from the <code>initialize</code> API.</td>\n</tr>\n<tr>\n<td>file_id</td>\n<td>string</td>\n<td>Yes</td>\n<td>The document identifier received from the <code>list-documents</code> API.</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>string</td>\n<td>No</td>\n<td>Optional field for client-side notes or references.</td>\n</tr>\n</tbody>\n</table>\n</div><h5 id=\"example-request\">Example Request</h5>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code>GET https://uat.totalekyc.com/api/kyc/digilocker/document?client_id={{client_id}}&amp;file_id={{file_id}}&amp;remark=Optional client note or reference\n\n</code></pre><hr />\n<h3 id=\"response\">Response</h3>\n<h4 id=\"success-response-200-ok\">Success Response (200 OK)</h4>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-09-10T08:46:35.339Z\",\n  \"transaction_id\": \"TXN-181d3e1e-b414-4f62-a48a-be9540200541\",\n  \"status\": \"success\",\n  \"data\": {\n    \"download_url\": \"https://aadhaar-kyc-docs.s3.amazonaws.com/finbapp/digilocker/digilocker_tRLuRageoutAscrbKXlN/aadhaar_1757493995065253.pdf?response-content-type=ap600&amp;X-Amz-SignedHeaders=host&amp;X-Amz-Signature=6f4acfc9e2ac4510d01b9ce37d8369c59250d94f66b4b09ed48236b8dfd59610\",\n    \"mime_type\": \"application/pdf\"\n  }\n}\n\n</code></pre>\n<hr />\n<h4 id=\"response-parameters\">Response Parameters</h4>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.download_url</td>\n<td>string</td>\n<td>Pre-signed AWS S3 URL to download the requested document.</td>\n</tr>\n<tr>\n<td>data.mime_type</td>\n<td>string</td>\n<td>MIME type of the document (e.g., <code>application/pdf</code>, <code>image/jpeg</code>).</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"usage-notes\">Usage Notes</h3>\n<ul>\n<li><p>Use the <code>file_id</code> obtained from the <strong>List Documents API</strong> to fetch the desired document.</p>\n</li>\n<li><p>The <code>download_url</code> is a <strong>time-limited pre-signed URL</strong>; download the file before expiry.</p>\n</li>\n<li><p>Respect the <strong>MIME type</strong> to handle file rendering (e.g., open PDFs with a PDF viewer, display images inline).</p>\n</li>\n<li><p>Documents are generally returned in <strong>PDF</strong> format, but other MIME types may appear depending on the issuer.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Digilocker Download Documents</td>\n<td>300–500 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-code\">Status Code</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Successful</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Access Denied Or Access Pending</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal server error</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","digilocker","document"],"host":["https://live.totalekyc.com"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"file_id","value":"{{file_id}}"},{"key":"remark","value":"Optional client note or reference"}],"variable":[]}},"response":[{"id":"e92b90f1-55a1-4262-929c-3e6a71ad3550","name":"Successful (200)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/document?client_id={{client_id}}&file_id={{file_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","document"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"file_id","value":"{{file_id}}"}]}},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:46:35 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"604"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"25c-iyybQl9Xpoed4QV904I2lNchejI\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-10T08:46:35.339Z\",\n    \"transaction_id\": \"TXN-181d3e1e-b414-4f62-a48a-be9540200541\",\n    \"status\": \"success\",\n    \"data\": {\n        \"download_url\": \"https://aadhaar-kyc-docs.s3.amazonaws.com/finbapp/digilocker/digilocker_tRLuRageoutAscrbKXlN/aadhaar_1757493995065253.pdf?response-content-type=ap600&X-Amz-SignedHeaders=host&X-Amz-Signature=6f4acfc9e2ac4510d01b9ce37d8369c59250d94f66b4b09ed48236b8dfd59610\",\n        \"mime_type\": \"application/pdf\"\n    }\n}"},{"id":"d639e0f4-a40e-4b02-8b01-101a6c33cbce","name":"Access Denied (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/document?client_id={{client_id}}&file_id={{file_id}}","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","document"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"file_id","value":"{{file_id}}"}]}},"status":"Unprocessable Entity","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 10 Sep 2025 08:36:35 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"153"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"99-iqGLKC32Nb16toafih/U8XUHA1Y\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:36:35.174Z\",\n    \"transaction_id\": \"TXN-b8d9d743-f7ab-4784-969c-1ad034e77439\",\n    \"error_message\": \"File ID not found\"\n}"},{"id":"ba9a8698-450f-4fd5-b570-b0ba94996015","name":"Access Pending (422)","originalRequest":{"method":"GET","header":[{"key":"Authorization","value":"YOUR_BEARER_TOKEN","type":"text"},{"key":"Content-Type","value":"application/json","type":"text"}],"url":{"raw":"https://live.totalekyc.com/api/kyc/digilocker/document?client_id={{client_id}}&file_id={{file_id}}&remark=Optional client note or reference","host":["https://live.totalekyc.com"],"path":["api","kyc","digilocker","document"],"query":[{"key":"client_id","value":"{{client_id}}"},{"key":"file_id","value":"{{file_id}}"},{"key":"remark","value":"Optional client note or reference"}]}},"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-10T08:38:35.174Z\",\n    \"transaction_id\": \"TXN-b8d9d743-f7ab-4784-969c-1ad034e77439\",\n    \"error_message\": \"File ID not found\"\n}"}],"_postman_id":"a26036b6-e6f1-4a27-96f2-ee6db71eb819"}],"id":"798798bd-8326-46d5-80b4-d807a30e952e","_postman_id":"798798bd-8326-46d5-80b4-d807a30e952e","description":""},{"name":"Bank Verification","item":[{"name":"Bank Verification Penny Drop","id":"a7a46de5-1518-41e4-99cd-de0c144586ab","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"182XX13XX19881\",\r\n    \"ifsc\": \"BXXBXXANKXX\",\r\n    \"ifsc_details\": true ,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennydrop","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The <strong>Bank Verification – Penny Drop API</strong> enables real-time validation of a bank account by initiating a micro-transaction and verifying the account holder’s name. This process ensures the legitimacy of a bank account and is commonly used in scenarios such as:</p>\n<h2 id=\"use-cases\">Use Cases</h2>\n<ul>\n<li><p><strong>Digital KYC &amp; Onboarding</strong>: Ensure the bank account belongs to the user being onboarded during registration or KYC workflows.</p>\n</li>\n<li><p><strong>Beneficiary Verification</strong>: Confirm the account details of payout recipients before initiating financial transfers.</p>\n</li>\n<li><p><strong>Fraud Prevention</strong>: Avoid disbursing funds to incorrect or fake accounts.</p>\n</li>\n<li><p><strong>Lending &amp; Insurance</strong>: Validate bank account ownership prior to disbursing loans or insurance claims.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<h3 id=\"base-url\">Base URL</h3>\n<ul>\n<li><strong>Production</strong>: <code>https://live.totalekyc.com/api/kyc/bank/verification/pennydrop</code></li>\n</ul>\n<h3 id=\"http-method\">HTTP Method</h3>\n<ul>\n<li><code>POST</code></li>\n</ul>\n<h3 id=\"authentication\">Authentication</h3>\n<ul>\n<li><strong>Type</strong>: Bearer Token (required in headers)</li>\n</ul>\n<hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-json\">Request Body (JSON)</h2>\n<h3 id=\"parameters\">Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Format</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>account_number</code></td>\n<td>String</td>\n<td>Bank account number to verify</td>\n</tr>\n<tr>\n<td><code>ifsc</code></td>\n<td>String</td>\n<td>IFSC code of the bank</td>\n</tr>\n<tr>\n<td><code>ifsc_details</code></td>\n<td>Boolean</td>\n<td>Optional flag to return IFSC details</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.status</code></td>\n<td>boolean</td>\n<td>Status of account verification</td>\n</tr>\n<tr>\n<td><code>data.upi_id</code></td>\n<td>string</td>\n<td>UPI ID linked to the account (if available)</td>\n</tr>\n<tr>\n<td><code>data.remarks</code></td>\n<td>string</td>\n<td>Remarks/response message</td>\n</tr>\n<tr>\n<td><code>data.client_id</code></td>\n<td>string</td>\n<td>Client reference identifier</td>\n</tr>\n<tr>\n<td><code>data.full_name</code></td>\n<td>string</td>\n<td>Account holder’s full name</td>\n</tr>\n<tr>\n<td><code>data.imps_ref_no</code></td>\n<td>string</td>\n<td>IMPS reference number</td>\n</tr>\n<tr>\n<td><code>data.account_exists</code></td>\n<td>boolean</td>\n<td>Indicates if the account exists</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.id</code></td>\n<td>integer</td>\n<td>Internal identifier for IFSC record</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.upi</code></td>\n<td>boolean</td>\n<td>Whether UPI is supported</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.bank</code></td>\n<td>string</td>\n<td>Bank name</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.city</code></td>\n<td>string</td>\n<td>Bank branch city</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.ifsc</code></td>\n<td>string</td>\n<td>IFSC code</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.imps</code></td>\n<td>boolean</td>\n<td>Whether IMPS is supported</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.micr</code></td>\n<td>string</td>\n<td>MICR code</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.neft</code></td>\n<td>boolean</td>\n<td>Whether NEFT is supported</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.rtgs</code></td>\n<td>boolean</td>\n<td>Whether RTGS is supported</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.state</code></td>\n<td>string</td>\n<td>Bank branch state</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.swift</code></td>\n<td>string</td>\n<td>SWIFT code</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.branch</code></td>\n<td>string</td>\n<td>Branch name</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.centre</code></td>\n<td>string</td>\n<td>Bank centre name</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.address</code></td>\n<td>string</td>\n<td>Bank branch address</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.contact</code></td>\n<td>string</td>\n<td>Branch contact number</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.iso3166</code></td>\n<td>string</td>\n<td>ISO3166 state code</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.district</code></td>\n<td>string</td>\n<td>District of the branch</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.bank_code</code></td>\n<td>string</td>\n<td>Bank code abbreviation</td>\n</tr>\n<tr>\n<td><code>data.transaction_info.reqid</code></td>\n<td>string</td>\n<td>Request ID</td>\n</tr>\n<tr>\n<td><code>data.transaction_info.chanref</code></td>\n<td>string</td>\n<td>Channel reference ID</td>\n</tr>\n<tr>\n<td><code>data.transaction_info.txn_type</code></td>\n<td>string</td>\n<td>Transaction type</td>\n</tr>\n<tr>\n<td><code>data.transaction_info.nw_txn_refid</code></td>\n<td>string</td>\n<td>Network transaction reference ID</td>\n</tr>\n<tr>\n<td><code>data.transaction_info.reference_id</code></td>\n<td>integer</td>\n<td>Internal transaction reference ID</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Penny Drop</td>\n<td>300–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Unprocessable Entity</td>\n<td>Wrong Account Number</td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Bad Request</td>\n<td>Invalid IFSC Code</td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>API key is missing or invalid</td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected error on server</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Ensure that both <code>id_number</code> and <code>ifsc</code> are accurate and properly formatted.</p>\n</li>\n<li><p>A valid Bearer token must be provided in the Authorization header.</p>\n</li>\n<li><p>Use <code>ifsc_details: true</code> if IFSC-related metadata is needed in the response.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","bank","verification","pennydrop"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"1d55a8ea-f68c-47ce-a71b-f0efa6df40a0","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"1257XX5XX13XX1\",\r\n    \"ifsc\": \"BAXX0XXNKXX\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennydrop"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 06 May 2025 05:10:52 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 \"neft\": true,\n      \"rtgs\": true,\n      \"state\": \"DUMMYSTATE\",\n      \"swift\": \"DUMMYINBBXXX\",\n      \"branch\": \"DUMMY BRANCH\",\n      \"centre\": \"DUMMY CENTRE\",\n      \"address\": \"123, Dummy Street, Dummy Area\",\n      \"contact\": \"+91-9999999999\",\n      \"iso3166\": \"IN-XX\",\n      \"district\": \"DUMMYDISTRICT\",\n      \"bank_code\": \"DUMY\"\n    },\n    \"transaction_info\": {\n      \"reqid\": \"REQ-1234567890\",\n      \"chanref\": \"CHAN-1234567890\",\n      \"txn_type\": \"DUMMYTXN\",\n      \"nw_txn_refid\": \"REF-0987654321\",\n      \"reference_id\": 11223344\n    }\n  }\n}\n"},{"id":"cdaac8fc-62e5-4a6d-a142-4bf9a4f88948","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"182XX13XX19881\",\r\n    \"ifsc\": \"BXXB000341\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennydrop"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input ifsc\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"c2846c94-be43-4f27-9cd0-bd0674447c7e","name":"Invalid Account(422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"182XX13XX1981\",\r\n    \"ifsc\": \"BXXBXXANKXX\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennydrop"},"status":"Unprocessable Content","code":422,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-05T11:38:36.951Z\",\n    \"transaction_id\": \"TXN-41cd2daf-15d1-4810-b575-6c076e0ffe1a\",\n    \"error_message\": \"INVALID ACCOUNT\"\n}"}],"_postman_id":"a7a46de5-1518-41e4-99cd-de0c144586ab"},{"name":"Bank Verification Pennyless","id":"99e7d43c-ba65-4a85-ab2b-a51bc1d25071","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"192XX1XXX1XX81\",\r\n    \"ifsc\": \"BXXB0XXXKXX\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennyless","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The <strong>Bank Verification - Pennyless API</strong> verifies a bank account without initiating any transaction. It provides a fast and cost-effective method for checking account validity and retrieving account holder information.</p>\n<h3 id=\"use-cases\">Use Cases</h3>\n<ul>\n<li><p><strong>KYC Verification:</strong> Instantly validate the account holder’s name against a bank account number.</p>\n</li>\n<li><p><strong>Fraud Prevention:</strong> Check for fake or incorrect bank account entries without transferring funds.</p>\n</li>\n<li><p><strong>Customer Onboarding:</strong> Seamless and low-cost method to validate bank details during signup.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Production: <code>https://live.totalekyc.com/api/kyc/bank/verification/pennyless</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (required in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>Authorization</code></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><code>Content-Type</code></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Format</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>id_number</code></td>\n<td>String</td>\n<td>Bank account number to verify</td>\n</tr>\n<tr>\n<td><code>ifsc</code></td>\n<td>String</td>\n<td>IFSC code of the bank</td>\n</tr>\n<tr>\n<td><code>ifsc_details</code></td>\n<td>Boolean</td>\n<td>Optional flag to include IFSC metadata in response</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Field</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td><code>string</code></td>\n<td>Unique client-provided transaction or request identifier.</td>\n</tr>\n<tr>\n<td><code>data.account_exists</code></td>\n<td><code>boolean</code></td>\n<td>Indicates whether the account exists (<code>true</code> or <code>false</code>).</td>\n</tr>\n<tr>\n<td><code>data.upi_id</code></td>\n<td><code>string/null</code></td>\n<td>UPI ID linked to the account, if available.</td>\n</tr>\n<tr>\n<td><code>data.full_name</code></td>\n<td><code>string</code></td>\n<td>Account holder’s full name.</td>\n</tr>\n<tr>\n<td><code>data.imps_ref_no</code></td>\n<td><code>string/null</code></td>\n<td>IMPS reference number if applicable.</td>\n</tr>\n<tr>\n<td><code>data.remarks</code></td>\n<td><code>string</code></td>\n<td>Additional remarks or comments regarding the transaction.</td>\n</tr>\n<tr>\n<td><code>data.status</code></td>\n<td><code>string/null</code></td>\n<td>Status of the account verification (if available).</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.id</code></td>\n<td><code>integer</code></td>\n<td>Identifier for the IFSC record.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.ifsc</code></td>\n<td><code>string</code></td>\n<td>IFSC code of the bank branch.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.micr</code></td>\n<td><code>string</code></td>\n<td>MICR code of the branch.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.iso3166</code></td>\n<td><code>string</code></td>\n<td>ISO 3166 region code for the state.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.swift</code></td>\n<td><code>string/null</code></td>\n<td>SWIFT code of the branch, if available.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.bank</code></td>\n<td><code>string</code></td>\n<td>Name of the bank.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.bank_code</code></td>\n<td><code>string</code></td>\n<td>Bank code abbreviation.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.bank_name</code></td>\n<td><code>string</code></td>\n<td>Full name of the bank.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.branch</code></td>\n<td><code>string</code></td>\n<td>Branch name.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.centre</code></td>\n<td><code>string</code></td>\n<td>Centre location of the branch.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.district</code></td>\n<td><code>string</code></td>\n<td>District where the branch is located.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.state</code></td>\n<td><code>string</code></td>\n<td>State where the branch is located.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.city</code></td>\n<td><code>string</code></td>\n<td>City where the branch is located.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.address</code></td>\n<td><code>string</code></td>\n<td>Full address of the bank branch.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.contact</code></td>\n<td><code>string</code></td>\n<td>Contact number of the branch.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.imps</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if IMPS transactions are supported.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.rtgs</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if RTGS transactions are supported.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.neft</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if NEFT transactions are supported.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.upi</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if UPI transactions are supported.</td>\n</tr>\n<tr>\n<td><code>data.ifsc_details.micr_check</code></td>\n<td><code>boolean</code></td>\n<td>Indicates if MICR check is valid.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Penny Less</td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>200</code></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td><code>422</code></td>\n<td>Unprocessable Entity</td>\n<td>Wrong Account Number</td>\n</tr>\n<tr>\n<td><code>400</code></td>\n<td>Bad Request</td>\n<td>Invalid IFSC Code</td>\n</tr>\n<tr>\n<td><code>403</code></td>\n<td>Unauthorized</td>\n<td>API key is missing or invalid</td>\n</tr>\n<tr>\n<td><code>500</code></td>\n<td>Internal Server Error</td>\n<td>Unexpected error on server</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","bank","verification","pennyless"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"36550cfa-626f-445f-b479-aad9f9d62d7b","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"1XX7XX0XX2XX1\",\r\n    \"ifsc\": \"BAXX0XXNKXX\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennyless"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 06 May 2025 05:11:32 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"557"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"22d-cgTvAwGh7z7p9w9e0r4wEfvVixM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-09-05T11:42:51.031Z\",\n    \"transaction_id\": \"TXN-5cfd7887-5e90-421b-8a3f-3f7150dc2c22\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"bank_pennyless_JZtxMymdkrOdiNctugjz\",\n        \"account_exists\": true,\n        \"upi_id\": null,\n        \"full_name\": \"JOHN DOE\",\n        \"imps_ref_no\": null,\n        \"remarks\": \"\",\n        \"status\": null,\n        \"ifsc_details\": {\n            \"id\": 0,\n            \"ifsc\": \"HDFC0007292\",\n            \"micr\": \"1422640202\",\n            \"iso3166\": \"IN-PJ\",\n            \"swift\": \"HDFCICCB\",\n            \"bank\": \"HDFC Bank\",\n            \"bank_code\": \"HDFC\",\n            \"bank_name\": \"HDFC Bank\",\n            \"branch\": \"JAIPUR\",\n            \"centre\": \"JAIPUR\",\n            \"district\": \"JAIPUR\",\n            \"state\": \"TEXAS\",\n            \"city\": \"JAIPUR\",\n            \"address\": \"HDFC BANK LTDWARD NO.1,CHAMANPUR GOLCHOWNK FURNITURE,DANGAL ROAD\",\n            \"contact\": \"+919815334411\",\n            \"imps\": true,\n            \"rtgs\": true,\n            \"neft\": true,\n            \"upi\": true,\n            \"micr_check\": true\n        }\n    }\n}"},{"id":"ea90330b-21d7-4c63-bc6a-02873565d7f2","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"192XX1XXX1XX81\",\r\n    \"ifsc\": \"BSNQ000103\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennyless"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input ifsc\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"0ee706e3-373b-4e35-8269-4ff78b62a112","name":"Invalid Input (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"account_number\": \"192XX1XXX1081\",\r\n    \"ifsc\": \"BXXB0XXXKXX\",\r\n    \"ifsc_details\": true,\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/verification/pennyless"},"status":"Unprocessable Content","code":422,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-09-05T11:47:54.188Z\",\n    \"transaction_id\": \"TXN-ca7453bf-2407-4c81-bf3a-2c96b9838284\",\n    \"error_code\": null,\n    \"error_message\": \"Verification Failed.\"\n}"}],"_postman_id":"99e7d43c-ba65-4a85-ab2b-a51bc1d25071"},{"name":"Mobile to UPI Details","id":"4c4b8053-0079-42c8-95f6-151a2e73f09a","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\"mobile_no\":\"987646XXXX\",\n\"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/mobile-to-upi","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to UPI API</strong> retrieves the UPI ID linked to a given mobile number. It enables seamless financial identity verification and payment account validation by mapping a mobile number to its registered UPI handle.</p>\n<p>This API is particularly useful for KYC processes, fraud detection, and financial onboarding where UPI-linked identity confirmation is required.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p><strong>Bank Account Verification:</strong> Validate UPI-linked accounts associated with a given mobile number.</p>\n</li>\n<li><p><strong>Payment Readiness Check:</strong> Confirm if a user is UPI-enabled before initiating a payment or onboarding.</p>\n</li>\n<li><p><strong>Fraud Detection:</strong> Identify suspicious cases by validating genuine UPI handle ownership.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Production:</strong> <code>https://live.totalekyc.com/api/kyc/bank/mobile-to-upi</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\"><strong>Request Body</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>mobile_no</strong></td>\n<td>String</td>\n<td>User’s mobile number for which UPI details are to be fetched.</td>\n<td><code>\"987646XXXX\"</code></td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td><em>(Optional)</em> Additional notes or tracking info passed by the client. Does not affect processing.</td>\n<td><code>\"Verification for onboarding\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>data.upi_id</strong></td>\n<td>String</td>\n<td>UPI ID linked to the provided mobile number.</td>\n</tr>\n<tr>\n<td><strong>data.mobile_number</strong></td>\n<td>String</td>\n<td>The mobile number used in the request.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\"><strong>Latency Metrics</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to UPI</td>\n<td>200–500ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully.</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Content</td>\n<td>No UPI record found for the given mobile number.</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Invalid or missing parameters.</td>\n</tr>\n<tr>\n<td><strong>403</strong></td>\n<td>Unauthorized</td>\n<td>Invalid or missing Bearer token.</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue occurred; check logs.</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","bank","mobile-to-upi"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b44a879d-36f5-4833-8e41-00dcdd4dec14","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\"mobile_no\":\"987646XXXX\"}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/mobile-to-upi"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 15 Oct 2025 06:25:30 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"183"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"b7-eXE0q0/pwy4mp/4S58CdoTNmyrg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-10-15T06:25:30.700Z\",\n    \"transaction_id\": \"TXN-e4e2e7c8-744c-4f7c-9179-9a5394479953\",\n    \"status\": \"success\",\n    \"data\": {\n        \"upi_id\": \"9876463416@apl\",\n        \"mobile_number\": \"9876463416\"\n    }\n}"},{"id":"f90cc494-3294-4b9b-86f9-e6f5408b469f","name":"No Content (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\"mobile_no\":\"987646XXXX4\"}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/mobile-to-upi"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 15 Oct 2025 06:26:45 GMT"},{"key":"Content-Type","value":"application/json; 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charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-oG45uMTe+k5xg16pKRj4nQzH9z8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"4c4b8053-0079-42c8-95f6-151a2e73f09a"},{"name":"UPI Validation","id":"a8cb903c-4513-435c-b300-049c1c326af6","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"{\n    \"upi_id\":\"ranveersingh53@okicici\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/upi/verify","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>UPI Verification API</strong> validates a provided UPI ID and returns:</p>\n<ul>\n<li><p>Whether the UPI handle is valid</p>\n</li>\n<li><p>The verified <strong>account holder’s name</strong></p>\n</li>\n<li><p>Normalised UPI ID</p>\n</li>\n</ul>\n<p>This API is useful for onboarding, payment verification, fraud prevention, and beneficiary validation.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<h3 id=\"✅-kyc--user-onboarding\">✅ <strong>KYC &amp; User Onboarding</strong></h3>\n<p>Verify if the UPI ID belongs to the user during onboarding.</p>\n<h3 id=\"✅-payment-beneficiary-verification\">✅ <strong>Payment Beneficiary Verification</strong></h3>\n<p>Prevent payment fraud by verifying the receiver’s UPI name.</p>\n<h3 id=\"✅-loan-disbursement-checks\">✅ <strong>Loan Disbursement Checks</strong></h3>\n<p>Confirm that the borrower’s UPI handle is active and valid.</p>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Prod)</strong></td>\n<td><code>https://live.totalekyc.com/api/kyc/bank/upi/verify</code></td>\n</tr>\n<tr>\n<td><strong>Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td>Bearer</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td>application/json</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\"><strong>Request Body</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>upi_id</strong></td>\n<td>String</td>\n<td>The UPI/VPA to validate</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td>Optional client note/reference</td>\n<td>❌ Optional</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"response-fields\"><strong>Response Fields</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>upi_id</strong></td>\n<td>The normalised UPI ID validated by the system</td>\n</tr>\n<tr>\n<td><strong>full_name</strong></td>\n<td>UPI account holder’s registered name</td>\n</tr>\n<tr>\n<td><strong>upi_valid</strong></td>\n<td>Boolean flag indicating if UPI is valid and active</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Meaning</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>UPI verification completed</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Malformed UPI ID or missing parameters</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Unprocessable Entity</td>\n<td>Invalid UPI</td>\n</tr>\n<tr>\n<td><strong>404</strong></td>\n<td>Not Found</td>\n<td>UPI handle does not exist</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected system failure</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","bank","upi","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"f053eba0-62e6-488c-8c68-c454e0be8546","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"{\n    \"upi_id\":\"ranveersingh53@okicici\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/upi/verify"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Wed, 19 Nov 2025 12:17:06 GMT"},{"key":"Content-Type","value":"application/json; 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charset=utf-8"},{"key":"Content-Length","value":"73"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"49-fWO0jNoFmFWIsx+mhAS8hhNfYYY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input upi_id\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"0b26dd6e-56dc-4df8-ac31-2308c06a7f63","name":"Invalid Input (422)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer"}],"body":{"mode":"raw","raw":"{\n    \"upi_id\":\"9988776655@okicici\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/bank/upi/verify"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":"Date","value":"Wed, 19 Nov 2025 12:17:36 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"207"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"2000"},{"key":"X-RateLimit-Remaining","value":"1999"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"cf-AYUATFtflJEbz749MCb0J+CTjcM\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-11-19T12:17:36.124Z\",\n    \"transaction_id\": \"TXN-313cb549-9e89-4e66-b39d-bae2f7114aa2\",\n    \"data\": {\n        \"upi_id\": \"9988776655@okicici\",\n        \"upi_valid\": false\n    },\n    \"error_message\": \"Invalid UPI ID\"\n}"}],"_postman_id":"a8cb903c-4513-435c-b300-049c1c326af6"}],"id":"510ac45d-1a8e-43ff-b844-aa3a0605cb75","description":"<p>This folder contains the Bank Verification API for Penny Drop and PennyLess.</p>\n<ul>\n<li><p><strong>Penny-less verification</strong>: A method to <strong>verify bank account</strong> details without transferring any money. It uses <strong>APIs to validate</strong> account holder name and account number via the bank without a monetary transaction.</p>\n</li>\n<li><p><strong>Penny drop verification</strong>: A method that <strong>transfers a small amount</strong> (usually ₹1) to the bank account to verify its validity and fetch the account holder’s name from the bank’s response.</p>\n</li>\n</ul>\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"560e731b-3d71-435b-aaaf-38f0b6ad595c","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"47dd80d9-fe7b-4c85-bd99-0b44f3d672d6","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"510ac45d-1a8e-43ff-b844-aa3a0605cb75"},{"name":"Mobile Verification Suite","item":[{"name":"Mobile to Pan","id":"18cb0925-ccce-4455-972a-9b4b7c7b591e","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"XXXXXXXX21\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to PAN API</strong> allows users to retrieve the Permanent Account Number (PAN) linked to a given mobile number.</p>\n<p>This API is useful for KYC completion, fraud prevention, onboarding processes, and financial identity verification.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Retrieve the PAN number registered with a specific mobile number.</p>\n</li>\n<li><p>Simplify customer onboarding by pre-filling PAN details.</p>\n</li>\n<li><p>Verify identity in financial and compliance workflows.</p>\n</li>\n<li><p>Reduce manual errors in PAN collection.</p>\n</li>\n<li><p>Detect potential mismatches or fraudulent submissions.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/pan/mobile-to-pan</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<p><strong>Format:</strong> JSON</p>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Example Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Mobile number linked to the PAN (10 digits).</td>\n<td>\"XXXXXXXX21\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.pan_number</td>\n<td>string</td>\n<td>PAN number linked to the given mobile number.</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to PAN</td>\n<td>300–1100 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td><code>\"mobile_no\"</code> is missing from the request.</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid Mobile Number</td>\n<td>The mobile number is invalid or not found in PAN records.</td>\n<td>Partial (0.09r)</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Always ensure the Bearer Token is active and valid.</p>\n</li>\n<li><p>Mobile number must be a valid 10-digit number linked to a PAN.</p>\n</li>\n<li><p>Ideal for quick KYC verification where mobile number is the primary input.</p>\n</li>\n<li><p>Helps reduce user friction in form-filling by auto-fetching PAN.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","pan","mobile-to-pan"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"7cc85639-d094-4f4b-8360-ba5e0f78a52e","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"9876543210\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:42:30 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"154"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9a-fs3aVfrkvSU7TRROGjxNZCkW50s\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-11T15:42:30.058Z\",\n    \"transaction_id\": \"TXN-082d20ac-78b3-4ca9-a886-e810df66a68f\",\n    \"status\": \"success\",\n    \"data\": {\n        \"pan_number\": \"HE00D0087M\"\n    }\n}"},{"id":"bc54df35-9827-4988-a539-dba315026e5f","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"mobile_no\": \"98765421\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/mobile-to-pan"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:43:28 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-oG45uMTe+k5xg16pKRj4nQzH9z8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"18cb0925-ccce-4455-972a-9b4b7c7b591e"},{"name":"Mobile to Name","id":"3cb93bd2-5d9d-4cfb-9c77-17b7b703e474","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\r\n\"mobile_no\":\"XXXXXXXX21\",\r\n\"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-name","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to Name API</strong> retrieves the name of an individual based on a given mobile number. This is particularly useful for quick identity resolution, verification during onboarding, and fraud detection.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p><strong>Identity Verification</strong>: Cross-check the provided name with the registered name against a mobile number.</p>\n</li>\n<li><p><strong>Onboarding Autofill</strong>: Auto-populate user name during form filling using mobile number.</p>\n</li>\n<li><p><strong>Fraud Detection</strong>: Detect mismatches between submitted names and actual owner records.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Production: <code>https://live.totalekyc.com/api/kyc/mobile-to-name</code></td>\n</tr>\n<tr>\n<td><strong>Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Auth</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\"><strong>Request Body</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Mobile number to be resolved</td>\n<td>\"XXXXXXXX21\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.full_name</code></td>\n<td>String</td>\n<td>Name associated with the mobile number</td>\n</tr>\n<tr>\n<td><code>data.mobile_no</code></td>\n<td>String</td>\n<td>The mobile number queried</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"sample-response\"><strong>Sample Response</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"timestamp\": \"2025-12-02T13:04:37.879Z\",\n    \"transaction_id\": \"TXN-77f69f85-31c2-488b-a599-f165f4505386\",\n    \"status\": \"success\",\n    \"data\": {\n        \"full_name\": \"JOHN SNOW\",\n        \"mobile_no\": \"96843634XX\"\n    }\n}\n\n</code></pre>\n<hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to Name</td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td><code>\"mobile_no\"</code> is missing from the request.</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid Mobile Number</td>\n<td>The mobile number is invalid or not found in PAN records.</td>\n<td>Partial (0.05r)</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n","urlObject":{"path":["api","kyc","mobile-to-name"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"d38f74f9-26e6-4189-ad27-19ed8f609a8a","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\r\n\"mobile_no\":\"XXXXXXXX21\",\r\n\"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-name"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 17 Jul 2025 11:23:07 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"176"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"b0-tvWPniUn8ZHjmc5ah7cUTd1wsdQ\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-12-02T13:04:37.879Z\",\n    \"transaction_id\": \"TXN-77f69f85-31c2-488b-a599-f165f4505386\",\n    \"status\": \"success\",\n    \"data\": {\n        \"full_name\": \"ASHERDEEP KAPOOR\",\n        \"mobile_no\": \"98843634XX\"\n    }\n}"},{"id":"b824e17b-cc20-4435-ad50-abf4f7d02390","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\r\n    \"mobile_no\":\"XXXXXXX21\",\r\n    \"remark\": \"Optional client note or reference\" \r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-name"},"status":"Bad Request","code":400,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Thu, 17 Jul 2025 11:24:22 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-oG45uMTe+k5xg16pKRj4nQzH9z8\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_no\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"},{"id":"7aa41e1b-864b-4879-9195-793844569616","name":"Invalid Input (422)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\r\n    \"mobile_no\":\"98XX46XX18\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-name"},"status":"Unprocessable Content","code":422,"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-12-02T13:06:37.357Z\",\n    \"transaction_id\": \"TXN-e68c068a-1420-4b27-acfd-7369e914da44\",\n    \"error_message\": \"Not Found\"\n}"}],"_postman_id":"3cb93bd2-5d9d-4cfb-9c77-17b7b703e474"},{"name":"Mobile to UAN","id":"f0ce4d3e-034b-40d5-8304-29c2424f5599","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"XXXXXXXX23\",\n  \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to UAN API</strong> allows users to retrieve one or more Universal Account Numbers (UAN) associated with a given mobile number registered in EPFO records.</p>\n<p>This API is useful for employee verification, PF account tracking, KYC completion, and onboarding processes that require EPF details.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Find all UANs linked to a registered mobile number.</p>\n</li>\n<li><p>Assist employees in identifying their EPFO accounts.</p>\n</li>\n<li><p>Validate mobile number ownership against EPFO records.</p>\n</li>\n<li><p>Speed up onboarding by pre-filling PF details.</p>\n</li>\n<li><p>Reduce errors in PF account mapping.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Example Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>multiple</td>\n<td>Integer</td>\n<td>Set to <code>1</code> to retrieve all UANs linked to the mobile number; <code>0</code> to retrieve only one.</td>\n<td>1</td>\n</tr>\n<tr>\n<td>mobile_number</td>\n<td>String</td>\n<td>Mobile number registered with EPFO (10 digits).</td>\n<td>\"63XXX3XX23\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>timestamp</td>\n<td>string</td>\n<td>Time when the request was processed (ISO format).</td>\n</tr>\n<tr>\n<td>transaction_id</td>\n<td>string</td>\n<td>Unique identifier for the API transaction.</td>\n</tr>\n<tr>\n<td>status</td>\n<td>string</td>\n<td>Status of the request (e.g., \"success\").</td>\n</tr>\n<tr>\n<td>data.uan</td>\n<td>array</td>\n<td>List of UAN(s) linked to the provided mobile number.</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to UAN</td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>200</strong></td>\n<td>No Data Found</td>\n<td>No matching record found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td><code>\"mobile_no\"</code> is missing from the request.</td>\n<td>NO</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid Mobile Number</td>\n<td>The mobile number is invalid or not found in PAN records.</td>\n<td>YES</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected error; check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Always ensure the Bearer Token is active and valid.</p>\n</li>\n<li><p>Mobile number must be a valid 10-digit number registered with EPFO.</p>\n</li>\n<li><p>Use <code>multiple: 1</code> to get all linked UANs; use <code>0</code> to retrieve only one.</p>\n</li>\n<li><p>Useful for both KYC verification and employee PF account tracking.</p>\n</li>\n<li><p>Helps avoid duplicate PF account entries during onboarding.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","epfo","mobile-to-uan"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"74362eed-d04b-46b8-a7d5-4a47592afef9","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"XXXXXXXX23\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:11:11 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"166"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"a6-QmZZe4MQ5oYVsjzi+Pj4BKpPb14\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-11T15:11:11.904Z\",\n    \"transaction_id\": \"TXN-4d8d0206-9c79-42d6-b223-07abdca35a80\",\n    \"status\": \"success\",\n    \"data\": {\n        \"uan\": [\n            \"1005XX13XX13\",\n            \"1009XX43XX23\"\n        ]\n    }\n}"},{"id":"0f7a67bb-f71d-4dd1-b340-350da4057dca","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"123456789\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:12:15 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"80"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"50-aRxlm4d4femInT/VScXvDPqJ1zg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"f0ce4d3e-034b-40d5-8304-29c2424f5599"},{"name":"Mobile to UAN History","id":"bb11f0c7-a0e6-4a00-82f5-1a78ebe67cc3","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"636153XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The EPFO Mobile to UAN History API allows businesses to fetch UAN (Universal Account Number) details linked to a mobile number, along with the user's employment history.</p>\n<p>This API helps in employment verification, background checks, and financial profiling.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Retrieve UAN linked to a mobile number</p>\n</li>\n<li><p>Fetch employment history of an individual</p>\n</li>\n<li><p>Verify past employers and job tenure</p>\n</li>\n<li><p>Support background verification and KYC processes</p>\n</li>\n<li><p>Enable financial profiling and risk assessment</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history\">https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer {{TOKEN}}</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Mobile number linked with EPFO records</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.uan</td>\n<td>string</td>\n<td>Universal Account Number (masked)</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>string</td>\n<td>Name of the individual (masked)</td>\n</tr>\n<tr>\n<td>data.guardian_name</td>\n<td>string</td>\n<td>Guardian/Father's name (masked)</td>\n</tr>\n<tr>\n<td>data.employment_history</td>\n<td>array</td>\n<td>List of employment records</td>\n</tr>\n<tr>\n<td>data.employment_history[].establishment_name</td>\n<td>string</td>\n<td>Name of the organization</td>\n</tr>\n<tr>\n<td>data.employment_history[].member_id</td>\n<td>string</td>\n<td>EPFO member ID</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_joining</td>\n<td>string</td>\n<td>Employment start date (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_exit</td>\n<td>string</td>\n<td>Employment end date (YYYY-MM-DD)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>EPFO Mobile to UAN History</td>\n<td>1100–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"mobile_no\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No EPFO records found for the given mobile number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","epfo","mobile-to-uan","history"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"34a4a99b-c980-4d15-93c3-47644a4747a4","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"636153XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:55:07 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"688"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"2b0-3EhEZlpN9nKgr1Nw/Ob6I870yyg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T07:55:07.340Z\",\n    \"transaction_id\": \"TXN-PROD-00fa7bc0-d872-44d4-967f-fab5ca826411\",\n    \"status\": \"success\",\n    \"data\": {\n        \"uan\": \"10058313XXXX\",\n        \"name\": \"SANXXXX SHXXXXXX\",\n        \"guardian_name\": \"KXXXXX PXXXX\",\n        \"employment_history\": [\n            {\n                \"establishment_name\": \"SXXXX MXXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXX006XX01000001XXXX\",\n                \"date_of_joining\": \"2019-08-07\",\n                \"date_of_exit\": \"2019-12-31\"\n            },\n            {\n                \"establishment_name\": \"SXXX MXXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXXXX6XXX010000000XXX\",\n                \"date_of_joining\": \"2016-01-11\",\n                \"date_of_exit\": \"2016-10-08\"\n            },\n            {\n                \"establishment_name\": \"SHXXX MXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXX006XX010000XX0XXX\",\n                \"date_of_joining\": \"2015-05-02\",\n                \"date_of_exit\": \"2015-12-01\"\n            }\n        ]\n    }\n}"},{"id":"33233638-0312-48a0-b1a2-2dd3923eb8f3","name":"No Data Found(200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"98XX46XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:53:40 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"159"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9f-lwSOSIhbKoMjG83gBuyA0S+Z2wc\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T07:53:40.500Z\",\n    \"transaction_id\": \"TXN-PROD-6674d80b-fcf1-4d75-bbad-d2c339514aae\",\n    \"status\": \"success\",\n    \"data\": {},\n    \"message\": \"No data found\"\n}"}],"_postman_id":"bb11f0c7-a0e6-4a00-82f5-1a78ebe67cc3"}],"id":"982312b2-dec9-46f2-b070-005e6aef5034","_postman_id":"982312b2-dec9-46f2-b070-005e6aef5034","description":""},{"name":"EPFO History Tracker","item":[{"name":"Mobile to UAN History","id":"b02e4d67-dade-4898-9cb7-c3420a9646ec","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"636153XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The EPFO Mobile to UAN History API allows businesses to fetch UAN (Universal Account Number) details linked to a mobile number, along with the user's employment history.</p>\n<p>This API helps in employment verification, background checks, and financial profiling.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Retrieve UAN linked to a mobile number</p>\n</li>\n<li><p>Fetch employment history of an individual</p>\n</li>\n<li><p>Verify past employers and job tenure</p>\n</li>\n<li><p>Support background verification and KYC processes</p>\n</li>\n<li><p>Enable financial profiling and risk assessment</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history\">https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer {{TOKEN}}</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Mobile number linked with EPFO records</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.uan</td>\n<td>string</td>\n<td>Universal Account Number (masked)</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>string</td>\n<td>Name of the individual (masked)</td>\n</tr>\n<tr>\n<td>data.guardian_name</td>\n<td>string</td>\n<td>Guardian/Father's name (masked)</td>\n</tr>\n<tr>\n<td>data.employment_history</td>\n<td>array</td>\n<td>List of employment records</td>\n</tr>\n<tr>\n<td>data.employment_history[].establishment_name</td>\n<td>string</td>\n<td>Name of the organization</td>\n</tr>\n<tr>\n<td>data.employment_history[].member_id</td>\n<td>string</td>\n<td>EPFO member ID</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_joining</td>\n<td>string</td>\n<td>Employment start date (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_exit</td>\n<td>string</td>\n<td>Employment end date (YYYY-MM-DD)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>EPFO Mobile to UAN History</td>\n<td>1100–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"mobile_no\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No EPFO records found for the given mobile number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","epfo","mobile-to-uan","history"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"e891fc22-a2a6-4364-a3c2-8a1983e1bb6a","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"636153XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:55:07 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"688"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"2b0-3EhEZlpN9nKgr1Nw/Ob6I870yyg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T07:55:07.340Z\",\n    \"transaction_id\": \"TXN-PROD-00fa7bc0-d872-44d4-967f-fab5ca826411\",\n    \"status\": \"success\",\n    \"data\": {\n        \"uan\": \"10058313XXXX\",\n        \"name\": \"SANXXXX SHXXXXXX\",\n        \"guardian_name\": \"KXXXXX PXXXX\",\n        \"employment_history\": [\n            {\n                \"establishment_name\": \"SXXXX MXXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXX006XX01000001XXXX\",\n                \"date_of_joining\": \"2019-08-07\",\n                \"date_of_exit\": \"2019-12-31\"\n            },\n            {\n                \"establishment_name\": \"SXXX MXXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXXXX6XXX010000000XXX\",\n                \"date_of_joining\": \"2016-01-11\",\n                \"date_of_exit\": \"2016-10-08\"\n            },\n            {\n                \"establishment_name\": \"SHXXX MXXXX CAREER SERVICE\",\n                \"member_id\": \"GBHXX006XX010000XX0XXX\",\n                \"date_of_joining\": \"2015-05-02\",\n                \"date_of_exit\": \"2015-12-01\"\n            }\n        ]\n    }\n}"},{"id":"c6368b29-ec56-4be1-a500-e8d681e85d28","name":"No Data Found(200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"mobile_no\": \"98XX46XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan/history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:53:40 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"159"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9f-lwSOSIhbKoMjG83gBuyA0S+Z2wc\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T07:53:40.500Z\",\n    \"transaction_id\": \"TXN-PROD-6674d80b-fcf1-4d75-bbad-d2c339514aae\",\n    \"status\": \"success\",\n    \"data\": {},\n    \"message\": \"No data found\"\n}"}],"_postman_id":"b02e4d67-dade-4898-9cb7-c3420a9646ec"},{"name":"UAN to UAN History","id":"16537f06-6775-4a3a-9358-635d543d3d25","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"uan\": \"10166982XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/uan-history","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The EPFO UAN History API allows businesses to fetch employment history details associated with a given UAN (Universal Account Number).</p>\n<p>This API provides verified employment records including organization names, joining dates, and exit dates, helping in background verification and financial profiling.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Retrieve employment history using UAN</p>\n</li>\n<li><p>Verify past employment records and tenure</p>\n</li>\n<li><p>Support background verification processes</p>\n</li>\n<li><p>Assist in financial risk assessment</p>\n</li>\n<li><p>Enable KYC and compliance checks</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/epfo/uan-history\">https://live.totalekyc.com/api/kyc/epfo/uan-history</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>uan</td>\n<td>String</td>\n<td>Universal Account Number (UAN) of the individual</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.uan</td>\n<td>string</td>\n<td>Universal Account Number (UAN)</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>string</td>\n<td>Name of the individual</td>\n</tr>\n<tr>\n<td>data.guardian_name</td>\n<td>string</td>\n<td>Guardian/Father's name</td>\n</tr>\n<tr>\n<td>data.employment_history</td>\n<td>array</td>\n<td>List of employment records</td>\n</tr>\n<tr>\n<td>data.employment_history[].establishment_name</td>\n<td>string</td>\n<td>Name of the organization</td>\n</tr>\n<tr>\n<td>data.employment_history[].member_id</td>\n<td>string</td>\n<td>EPFO member ID</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_joining</td>\n<td>string</td>\n<td>Employment start date (YYYY-MM-DD)</td>\n</tr>\n<tr>\n<td>data.employment_history[].date_of_exit</td>\n<td>string</td>\n<td>Employment end date (YYYY-MM-DD)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>EPFO UAN History</td>\n<td>1100–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"uan\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No EPFO records found for the given UAN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","epfo","uan-history"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"110cf16f-e24b-4347-be12-072981e822da","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"uan\": \"10058313XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/uan-history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:24:10 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"688"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 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Found(200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"uan\": \"10166982XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/uan-history"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 07:19:16 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"160"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"a0-0VAdLzWtsvuKkyda6DEBLn8k20Y\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-03T07:19:16.209Z\",\n    \"transaction_id\": \"TXN-PROD-82802fd4-cf7d-49a5-a833-523d4c2dafac\",\n    \"status\": \"success\",\n    \"data\": {},\n    \"message\": \"No data found\"\n}"}],"_postman_id":"16537f06-6775-4a3a-9358-635d543d3d25"},{"name":"Mobile to UAN","id":"c0dda72f-7d5e-44ef-818b-d1ea82a759b9","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"98765432XX\",\n  \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan","urlObject":{"path":["api","kyc","epfo","mobile-to-uan"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"dafbe9df-e4e7-461d-afab-796367377e18","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"98765432XX\",\n  \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[],"cookie":[{"expires":"Invalid Date","domain":"","path":""}],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-05-12T12:36:45.578Z\",\n    \"transaction_id\": \"TXN-PROD-8a02c0c8-9a36-4b93-9016-51eb5576cc0a\",\n    \"status\": \"success\",\n    \"data\": [\n        \"1009404363XX\",\n        \"1005831366XX\"\n    ]\n}"},{"id":"923353d5-15fd-4f29-b346-9d7ea7e7b2ee","name":"No Data Found (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"98765432XX\",\n  \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":null}],"_postman_id":"c0dda72f-7d5e-44ef-818b-d1ea82a759b9"}],"id":"9e53f69f-6ad8-4f26-8068-db065c7aa827","_postman_id":"9e53f69f-6ad8-4f26-8068-db065c7aa827","description":""},{"name":"Voter Card Verification","item":[{"name":"Voter ID Verify","id":"790025f4-3ad7-40cb-ba2e-d33ac6513774","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"NDN485XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/voterid/verify","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The Voter ID Verification API allows businesses to verify the authenticity of a Voter ID (EPIC number) and retrieve associated electoral details.</p>\n<p>This API helps in identity verification, KYC compliance, and fraud prevention by validating voter records from official sources.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Validate authenticity of a Voter ID (EPIC number)</p>\n</li>\n<li><p>Retrieve voter demographic and constituency details</p>\n</li>\n<li><p>Support KYC and identity verification processes</p>\n</li>\n<li><p>Prevent identity fraud using verified electoral data</p>\n</li>\n<li><p>Assist in address and regional verification</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/voterid/verify\">https://live.totalekyc.com/api/kyc/voterid/verify</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>Voter ID / EPIC number</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.epic_no</td>\n<td>string</td>\n<td>Voter ID (EPIC number)</td>\n</tr>\n<tr>\n<td>data.name</td>\n<td>string</td>\n<td>Name of the voter</td>\n</tr>\n<tr>\n<td>data.gender</td>\n<td>string</td>\n<td>Gender of the voter</td>\n</tr>\n<tr>\n<td>data.dob</td>\n<td>string</td>\n<td>Date of birth (if available, else null)</td>\n</tr>\n<tr>\n<td>data.age</td>\n<td>string</td>\n<td>Age of the voter</td>\n</tr>\n<tr>\n<td>data.rln_name</td>\n<td>string</td>\n<td>Relative's name (Father/Husband etc.)</td>\n</tr>\n<tr>\n<td>data.rln_type</td>\n<td>string</td>\n<td>Relationship type (e.g., FTHR)</td>\n</tr>\n<tr>\n<td>data.state</td>\n<td>string</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.district</td>\n<td>string</td>\n<td>District name</td>\n</tr>\n<tr>\n<td>data.area</td>\n<td>string</td>\n<td>Area/locality details</td>\n</tr>\n<tr>\n<td>data.house_no</td>\n<td>string</td>\n<td>House number (if available)</td>\n</tr>\n<tr>\n<td>data.ac_name</td>\n<td>string</td>\n<td>Assembly constituency name</td>\n</tr>\n<tr>\n<td>data.ac_no</td>\n<td>string</td>\n<td>Assembly constituency number</td>\n</tr>\n<tr>\n<td>data.pc_name</td>\n<td>string</td>\n<td>Parliamentary constituency name</td>\n</tr>\n<tr>\n<td>data.parliamentary_name</td>\n<td>string</td>\n<td>Parliamentary constituency name</td>\n</tr>\n<tr>\n<td>data.parliamentary_number</td>\n<td>string</td>\n<td>Parliamentary constituency number</td>\n</tr>\n<tr>\n<td>data.ps_name</td>\n<td>string</td>\n<td>Polling station name</td>\n</tr>\n<tr>\n<td>data.ps_lat_long</td>\n<td>string</td>\n<td>Polling station latitude &amp; longitude</td>\n</tr>\n<tr>\n<td>data.part_no</td>\n<td>string</td>\n<td>Part number</td>\n</tr>\n<tr>\n<td>data.part_name</td>\n<td>string</td>\n<td>Part name</td>\n</tr>\n<tr>\n<td>data.section_no</td>\n<td>string</td>\n<td>Section number</td>\n</tr>\n<tr>\n<td>data.slno_inpart</td>\n<td>string</td>\n<td>Serial number in part</td>\n</tr>\n<tr>\n<td>data.multiple</td>\n<td>boolean</td>\n<td>Indicates if multiple records exist</td>\n</tr>\n<tr>\n<td>data.last_update</td>\n<td>string</td>\n<td>Last updated date of record</td>\n</tr>\n<tr>\n<td>data.id</td>\n<td>string</td>\n<td>Unique voter record ID</td>\n</tr>\n<tr>\n<td>data.st_code</td>\n<td>string</td>\n<td>State code</td>\n</tr>\n<tr>\n<td>data.name_v1</td>\n<td>string</td>\n<td>Name in regional language</td>\n</tr>\n<tr>\n<td>data.name_v2</td>\n<td>string</td>\n<td>Alternate name format</td>\n</tr>\n<tr>\n<td>data.name_v3</td>\n<td>string</td>\n<td>Name split/variation</td>\n</tr>\n<tr>\n<td>data.rln_name_v1</td>\n<td>string</td>\n<td>Relative name in regional language</td>\n</tr>\n<tr>\n<td>data.rln_name_v2</td>\n<td>string</td>\n<td>Relative name variation</td>\n</tr>\n<tr>\n<td>data.rln_name_v3</td>\n<td>string</td>\n<td>Relative name variation</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Voter ID Verification</td>\n<td>1000–5000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"id_number\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid Voter ID / No Records Found</td>\n<td>No data found for the given EPIC number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","voterid","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b8490c7a-7d3a-49a8-a95e-edb3bd73f798","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"NDN4851XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/voterid/verify"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Fri, 03 Apr 2026 08:13:53 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"952"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; 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charset=utf-8"},{"key":"content-length","value":"163"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"a3-NzSGD8dmMp1q16G42ltKc3+KJsc\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T08:22:55.025Z\",\n    \"transaction_id\": \"TXN-PROD-57865f21-5f3a-4861-bacc-283cc635d795\",\n    \"error_message\": \"Invalid Voter Id Number\"\n}"}],"_postman_id":"790025f4-3ad7-40cb-ba2e-d33ac6513774"}],"id":"758c43d7-e1c5-4458-97ad-dc2e397beb25","_postman_id":"758c43d7-e1c5-4458-97ad-dc2e397beb25","description":""},{"name":"Corporate","item":[{"name":"GSTIN Verify","id":"c13f11d9-4230-4e6b-bd1f-301c7680cafa","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"08AAFCXXX03XXXX\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/verify","description":"<h3 id=\"introduction\">Introduction</h3>\n<p>The <strong>GST Verification API</strong> enables businesses to validate a Goods and Services Tax Identification Number (GSTIN) and retrieve detailed taxpayer information including registration data, business structure, jurisdiction, Aadhaar validation status, and more.</p>\n<hr />\n<h2 id=\"use-case\">Use Case</h2>\n<h3 id=\"1-business-onboarding--kyc-compliance\">1. <strong>Business Onboarding &amp; KYC Compliance</strong></h3>\n<p>Before onboarding a new vendor, partner, or customer, businesses must ensure the legitimacy of the organization. The GST Verification API validates the GSTIN and fetches official registration details such as legal name, PAN linkage, registration date, and business type.</p>\n<ul>\n<li><p>✅ Prevents onboarding of fraudulent or inactive entities</p>\n</li>\n<li><p>✅ Ensures compliance with AML and KYC regulations</p>\n</li>\n<li><p>✅ Verifies Aadhaar validation and registration status</p>\n</li>\n</ul>\n<h3 id=\"2-credit-risk-assessment-for-loan-underwriting\">2. <strong>Credit Risk Assessment for Loan Underwriting</strong></h3>\n<p>Lenders and NBFCs can use the API to assess the legitimacy and stability of a borrowing business entity by confirming their GST registration status, core business activity, and active/inactive status.</p>\n<ul>\n<li><p>✅ Validates business existence</p>\n</li>\n<li><p>✅ Confirms taxpayer type (e.g., Regular, Composition)</p>\n</li>\n<li><p>✅ Provides insights into business longevity via registration date</p>\n</li>\n</ul>\n<h3 id=\"3-supplier-and-vendor-due-diligence\">3. <strong>Supplier and Vendor Due Diligence</strong></h3>\n<p>Procurement and supply chain teams can verify vendor GSTINs to ensure the supplier is legally registered, has an active GST profile, and matches declared business activities.</p>\n<ul>\n<li><p>✅ Prevents tax input credit issues</p>\n</li>\n<li><p>✅ Confirms jurisdiction and address authenticity</p>\n</li>\n<li><p>✅ Ensures suppliers are not flagged for compliance issues</p>\n</li>\n</ul>\n<h3 id=\"4-regulatory-and-tax-compliance-audits\">4. <strong>Regulatory and Tax Compliance Audits</strong></h3>\n<p>Compliance teams can use the GST Verification API to audit and validate the GST information of associated businesses as part of internal or statutory audits.</p>\n<ul>\n<li><p>✅ Automates verification for audit readiness</p>\n</li>\n<li><p>✅ Validates consistency of PAN and GSTIN linkages</p>\n</li>\n<li><p>✅ Assists in detecting misreporting or tax evasion risks</p>\n</li>\n</ul>\n<h3 id=\"5-e-commerce--marketplace-onboarding\">5. <strong>e-Commerce &amp; Marketplace Onboarding</strong></h3>\n<p>Marketplaces onboarding third-party sellers can use this API to validate if the seller is a registered and active GST entity before listing.</p>\n<ul>\n<li><p>✅ Reduces fraud and improves platform trust</p>\n</li>\n<li><p>✅ Ensures sellers are authorized to collect GST</p>\n</li>\n<li><p>✅ Verifies Aadhaar linkage, supporting identity validation</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"api-details\">API Details</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Environment</th>\n<th>URL</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Live</strong></td>\n<td><code>https://uat.totalekyc.com/api/corporate/gstin/verify</code></td>\n</tr>\n</tbody>\n</table>\n</div><ul>\n<li><p><strong>HTTP Method</strong>: <code>POST</code></p>\n</li>\n<li><p><strong>Authentication</strong>: Bearer Token</p>\n</li>\n</ul>\n<hr />\n<h3 id=\"authentication-header\">Authentication Header</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-parameters\">Request Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>15-character GSTIN number</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\">Response Parameters</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.address_details</code></td>\n<td>Object</td>\n<td>Additional details related to the registered address.</td>\n</tr>\n<tr>\n<td><code>data.einvoice_status</code></td>\n<td>Boolean</td>\n<td>Indicates if e-invoicing is enabled for the entity.</td>\n</tr>\n<tr>\n<td><code>data.client_id</code></td>\n<td>String</td>\n<td>Unique client identifier.</td>\n</tr>\n<tr>\n<td><code>data.gstin</code></td>\n<td>String</td>\n<td>GST Identification Number.</td>\n</tr>\n<tr>\n<td><code>data.pan_number</code></td>\n<td>String</td>\n<td>Permanent Account Number (PAN) of the business entity.</td>\n</tr>\n<tr>\n<td><code>data.fy</code></td>\n<td>Null / String</td>\n<td>Financial year information, if available.</td>\n</tr>\n<tr>\n<td><code>data.business_name</code></td>\n<td>String</td>\n<td>Registered business name.</td>\n</tr>\n<tr>\n<td><code>data.legal_name</code></td>\n<td>String</td>\n<td>Legal name of the entity.</td>\n</tr>\n<tr>\n<td><code>data.center_jurisdiction</code></td>\n<td>String</td>\n<td>Jurisdiction details under the central GST authority.</td>\n</tr>\n<tr>\n<td><code>data.state_jurisdiction</code></td>\n<td>String</td>\n<td>Jurisdiction details under the state GST authority.</td>\n</tr>\n<tr>\n<td><code>data.date_of_registration</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date when GST registration was granted.</td>\n</tr>\n<tr>\n<td><code>data.constitution_of_business</code></td>\n<td>String</td>\n<td>Type of business constitution (e.g., Private Limited Company).</td>\n</tr>\n<tr>\n<td><code>data.taxpayer_type</code></td>\n<td>String</td>\n<td>Taxpayer category (e.g., Regular).</td>\n</tr>\n<tr>\n<td><code>data.gstin_status</code></td>\n<td>String</td>\n<td>Current status of the GSTIN (e.g., Active).</td>\n</tr>\n<tr>\n<td><code>data.date_of_cancellation</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of GSTIN cancellation, if any. (Default placeholder if not cancelled)</td>\n</tr>\n<tr>\n<td><code>data.field_visit_conducted</code></td>\n<td>String</td>\n<td>Whether a field visit was conducted (\"Yes\"/\"No\").</td>\n</tr>\n<tr>\n<td><code>data.nature_bus_activities</code></td>\n<td>Array of Strings</td>\n<td>List of nature of business activities.</td>\n</tr>\n<tr>\n<td><code>data.nature_of_core_business_activity_code</code></td>\n<td>String</td>\n<td>Code representing the core business activity.</td>\n</tr>\n<tr>\n<td><code>data.nature_of_core_business_activity_description</code></td>\n<td>String</td>\n<td>Description of the core business activity.</td>\n</tr>\n<tr>\n<td><code>data.aadhaar_validation</code></td>\n<td>String</td>\n<td>Indicates whether Aadhaar validation was successful (\"Yes\"/\"No\").</td>\n</tr>\n<tr>\n<td><code>data.aadhaar_validation_date</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of Aadhaar validation.</td>\n</tr>\n<tr>\n<td><code>data.filing_status</code></td>\n<td>Array</td>\n<td>Filing status history (empty if not applicable).</td>\n</tr>\n<tr>\n<td><code>data.address</code></td>\n<td>String</td>\n<td>Full registered address of the business entity.</td>\n</tr>\n<tr>\n<td><code>data.hsn_info</code></td>\n<td>Object</td>\n<td>Harmonized System of Nomenclature info (if available).</td>\n</tr>\n<tr>\n<td><code>data.filing_frequency</code></td>\n<td>Array</td>\n<td>Frequency of GST filings (empty if not applicable).</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"latency-metrics\">Latency Metrics</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>API Call</strong></th>\n<th><strong>Average Latency</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>GST Verification</td>\n<td>800–1200 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"status-code\">Status Code</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Status Code</strong></th>\n<th><strong>Error Message</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid GSTIN</td>\n<td>The provided GSTIN is incorrect or does not exist</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the <code>Authorization</code> header</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Missing Required Parameters</td>\n<td>One or more required fields are missing in the request body</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected error on the server</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"additional-notes\">Additional Notes</h3>\n<ul>\n<li><p>Ensure the <strong>Bearer Token</strong> is active and valid for all requests.</p>\n</li>\n<li><p>The <strong>GSTIN</strong> should be a valid 15-character alphanumeric identifier.</p>\n</li>\n<li><p>This API is ideal for validating businesses during onboarding, KYC checks, and regulatory compliance.</p>\n</li>\n<li><p>Aadhaar validation results (if conducted) are also returned.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","corporate","gstin","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"f7110b0d-cf79-46e1-b9d6-69ceecb6286a","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"08AAFCXXXXX3XXXXX\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/verify"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:52:07 GMT"},{"key":"Content-Type","value":"application/json; 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charset=utf-8"},{"key":"Content-Length","value":"134"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"86-Ixa9hlamFHMumPo90jl/xfxSmdg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:52:44.638Z\",\n    \"transaction_id\": \"ccda95bd-86d9-4637-b163-c7ab53f17c88\",\n    \"status\": \"error\",\n    \"error_message\": null\n}"}],"_postman_id":"c13f11d9-4230-4e6b-bd1f-301c7680cafa"},{"name":"GSTIN to Mobile & Email","id":"28168dca-aee5-4f4b-9d6c-648127a90ef7","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"08AAXXF9XX3LXXE\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/mobile-email","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The <strong>GSTIN Mobile &amp; Email API</strong> retrieves registered <strong>email and mobile details</strong> associated with a given GSTIN (Goods and Services Tax Identification Number).</p>\n<p>This helps streamline <strong>business verification</strong>, <strong>onboarding workflows</strong>, and <strong>compliance checks</strong> by fetching contact information directly linked to GST registration records.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ul>\n<li><p><strong>Business KYC Verification:</strong> Retrieve registered contact details of a company for compliance checks.</p>\n</li>\n<li><p><strong>Onboarding &amp; Due Diligence:</strong> Validate GSTIN ownership by matching registered contact details with business information.</p>\n</li>\n<li><p><strong>Fraud Prevention:</strong> Prevent impersonation by ensuring GSTIN contact details are consistent with the business entity.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>- Production</td>\n<td><code>https://live.totalekyc.com/api/corporate/gstin/mobile-email</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td><code>Bearer</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\">Request Body</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>id_number</strong></td>\n<td>String</td>\n<td>GSTIN of the business entity</td>\n<td><code>\"08AAFCF9203L1ZE\"</code></td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<p><strong>Sample Response</strong></p>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-08-18T09:59:06.138Z\",\n  \"transaction_id\": \"TXN-58e191fd-5f09-44ff-8020-13ba68f0aa98\",\n  \"status\": \"success\",\n  \"data\": {\n    \"email\": \"cXXX@fXXX.tXXh\",\n    \"mobile\": \"843XXXX738\"\n  }\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>data.email</strong></td>\n<td>String</td>\n<td>Registered email linked to the GSTIN</td>\n</tr>\n<tr>\n<td><strong>data.mobile</strong></td>\n<td>String</td>\n<td>Registered mobile number linked to the GSTIN</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\">Latency Metrics</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>GSTIN Mobile &amp; Email API</td>\n<td>500–1200ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td><strong>204</strong></td>\n<td>No Content</td>\n<td>No contact details found for given GSTIN</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Bad Request</td>\n<td>Invalid or missing GSTIN</td>\n</tr>\n<tr>\n<td><strong>403</strong></td>\n<td>Unauthorized</td>\n<td>Invalid or missing Bearer token</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected issue; check logs</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","corporate","gstin","mobile-email"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"e51d0333-e70d-4939-a477-6688a9440b59","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"08AAXXF9XX3LXXE\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/mobile-email"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 18 Aug 2025 09:59:06 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"173"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"ad-lfhrRXgxB2tWmBTshEGrRgS/Am0\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-18T09:59:06.138Z\",\n    \"transaction_id\": \"TXN-58e191fd-5f09-44ff-8020-13ba68f0aa98\",\n    \"status\": \"success\",\n    \"data\": {\n        \"email\": \"cXXX@fXXX.tXXh\",\n        \"mobile\": \"84XX49XX38\"\n    }\n}"},{"id":"017f7431-7a79-4dea-a1d8-50ec24177e8a","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"08XXFCFXX3XXXE\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/mobile-email"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 18 Aug 2025 10:03:01 GMT"},{"key":"Content-Type","value":"application/json; 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The API provides comprehensive taxpayer information including registration details, filing status, filing frequency, HSN/SAC details, Aadhaar validation status, jurisdiction data, and core business activity insights.</p>\n<p>This API is ideal for GST compliance verification, vendor due diligence, financial underwriting, and regulatory audits.</p>\n<hr />\n<h1 id=\"use-case\">Use Case</h1>\n<h2 id=\"1-gst-return-filing-compliance-verification\">1. GST Return Filing Compliance Verification</h2>\n<p>Businesses and financial institutions can verify whether a GST-registered entity is actively filing GST returns and maintaining tax compliance.</p>\n<p>✅ Verifies latest GSTR filing activity</p>\n<p>✅ Identifies filing frequency (Monthly/Quarterly)</p>\n<p>✅ Assesses return filing regularity and compliance health</p>\n<hr />\n<h2 id=\"2-vendor--supplier-due-diligence\">2. Vendor &amp; Supplier Due Diligence</h2>\n<p>Procurement teams can validate supplier GST profiles and ensure vendors are operational and compliant before onboarding.</p>\n<p>✅ Confirms active GST registration</p>\n<p>✅ Verifies registered business address and legal entity name</p>\n<p>✅ Checks taxpayer category and business activity</p>\n<hr />\n<h2 id=\"3-loan-underwriting--business-credit-assessment\">3. Loan Underwriting &amp; Business Credit Assessment</h2>\n<p>Lenders and NBFCs can analyze GST filing behavior to assess operational continuity and business authenticity.</p>\n<p>✅ Evaluates business compliance history</p>\n<p>✅ Confirms active taxpayer status</p>\n<p>✅ Validates business existence and longevity</p>\n<hr />\n<h2 id=\"4-marketplace--merchant-onboarding\">4. Marketplace &amp; Merchant Onboarding</h2>\n<p>E-commerce platforms and aggregators can validate seller GST details and filing activity before enabling transactions.</p>\n<p>✅ Reduces fraudulent seller onboarding</p>\n<p>✅ Verifies Aadhaar-authenticated GST registrations</p>\n<p>✅ Ensures GST compliance for marketplace operations</p>\n<hr />\n<h2 id=\"5-internal-compliance--tax-audits\">5. Internal Compliance &amp; Tax Audits</h2>\n<p>Compliance and finance teams can automate GST return verification for audit readiness and regulatory checks.</p>\n<p>✅ Validates GST filing records</p>\n<p>✅ Confirms GSTIN-PAN linkage</p>\n<p>✅ Assists in identifying inactive or non-compliant entities</p>\n<hr />\n<h1 id=\"api-details\">API Details</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Environment</th>\n<th>URL</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Live</td>\n<td><code>https://live.totalekyc.com/api/corporate/gstin/filling-details</code></td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"http-method\">HTTP Method</h3>\n<p><code>POST</code></p>\n<h3 id=\"authentication\">Authentication</h3>\n<p>Bearer Token</p>\n<hr />\n<h1 id=\"authentication-header\">Authentication Header</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer Token</td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"request-parameters\">Request Parameters</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>15-character GSTIN number</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\">Response Parameters</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>status</td>\n<td>String</td>\n<td>Status of API response</td>\n</tr>\n<tr>\n<td>data.address_details</td>\n<td>Object</td>\n<td>Additional address details of the GST entity</td>\n</tr>\n<tr>\n<td>data.address_details.adr</td>\n<td>String</td>\n<td>Registered address of the GST entity</td>\n</tr>\n<tr>\n<td>data.einvoice_status</td>\n<td>Boolean</td>\n<td>Indicates whether e-Invoicing is enabled</td>\n</tr>\n<tr>\n<td>data.client_id</td>\n<td>String</td>\n<td>Unique client identifier</td>\n</tr>\n<tr>\n<td>data.gstin</td>\n<td>String</td>\n<td>GST Identification Number</td>\n</tr>\n<tr>\n<td>data.pan_number</td>\n<td>String</td>\n<td>PAN linked to the GSTIN</td>\n</tr>\n<tr>\n<td>data.fy</td>\n<td>String</td>\n<td>Financial year for filing details</td>\n</tr>\n<tr>\n<td>data.business_name</td>\n<td>String</td>\n<td>Trade name/business name</td>\n</tr>\n<tr>\n<td>data.legal_name</td>\n<td>String</td>\n<td>Legal registered name</td>\n</tr>\n<tr>\n<td>data.center_jurisdiction</td>\n<td>String</td>\n<td>Central GST jurisdiction details</td>\n</tr>\n<tr>\n<td>data.state_jurisdiction</td>\n<td>String</td>\n<td>State GST jurisdiction details</td>\n</tr>\n<tr>\n<td>data.date_of_registration</td>\n<td>String (YYYY-MM-DD)</td>\n<td>GST registration date</td>\n</tr>\n<tr>\n<td>data.constitution_of_business</td>\n<td>String</td>\n<td>Constitution type of business</td>\n</tr>\n<tr>\n<td>data.taxpayer_type</td>\n<td>String</td>\n<td>GST taxpayer category</td>\n</tr>\n<tr>\n<td>data.gstin_status</td>\n<td>String</td>\n<td>Current GSTIN status</td>\n</tr>\n<tr>\n<td>data.date_of_cancellation</td>\n<td>String (YYYY-MM-DD)</td>\n<td>GST cancellation date if applicable</td>\n</tr>\n<tr>\n<td>data.field_visit_conducted</td>\n<td>String</td>\n<td>Indicates whether field verification was conducted</td>\n</tr>\n<tr>\n<td>data.nature_bus_activities</td>\n<td>Array of Strings</td>\n<td>Nature of business activities</td>\n</tr>\n<tr>\n<td>data.nature_of_core_business_activity_code</td>\n<td>String</td>\n<td>Core business activity code</td>\n</tr>\n<tr>\n<td>data.nature_of_core_business_activity_description</td>\n<td>String</td>\n<td>Description of core business activity</td>\n</tr>\n<tr>\n<td>data.aadhaar_validation</td>\n<td>String</td>\n<td>Aadhaar validation status</td>\n</tr>\n<tr>\n<td>data.aadhaar_validation_date</td>\n<td>String (YYYY-MM-DD)</td>\n<td>Aadhaar validation date</td>\n</tr>\n<tr>\n<td>data.filing_status</td>\n<td>Array</td>\n<td>GST return filing history</td>\n</tr>\n<tr>\n<td>data.filing_status[].FINANCIAL_YEAR</td>\n<td>String</td>\n<td>Financial year of filing</td>\n</tr>\n<tr>\n<td>data.filing_status[].TAX_PERIOD</td>\n<td>String</td>\n<td>Tax period/month</td>\n</tr>\n<tr>\n<td>data.filing_status[].MODE_OF_FILING</td>\n<td>String</td>\n<td>Filing mode</td>\n</tr>\n<tr>\n<td>data.filing_status[].DATE_OF_FILING</td>\n<td>String</td>\n<td>Date of return filing</td>\n</tr>\n<tr>\n<td>data.filing_status[].RETURN_TYPE</td>\n<td>String</td>\n<td>GST return type</td>\n</tr>\n<tr>\n<td>data.filing_status[].ARN</td>\n<td>String</td>\n<td>Acknowledgement Reference Number</td>\n</tr>\n<tr>\n<td>data.filing_status[].STATUS</td>\n<td>String</td>\n<td>Filing status</td>\n</tr>\n<tr>\n<td>data.address</td>\n<td>String</td>\n<td>Complete registered address</td>\n</tr>\n<tr>\n<td>data.hsn_info</td>\n<td>Object</td>\n<td>HSN/SAC information</td>\n</tr>\n<tr>\n<td>data.hsn_info.GOODS_DETAILS</td>\n<td>Array</td>\n<td>Goods HSN details</td>\n</tr>\n<tr>\n<td>data.hsn_info.SERVICE_DETAILS</td>\n<td>Array</td>\n<td>Service SAC details</td>\n</tr>\n<tr>\n<td>data.hsn_info.SERVICE_DETAILS[].SERVICE_CODE</td>\n<td>String</td>\n<td>Service accounting code</td>\n</tr>\n<tr>\n<td>data.hsn_info.SERVICE_DETAILS[].DESCRIPTION</td>\n<td>String</td>\n<td>Description of service</td>\n</tr>\n<tr>\n<td>data.filing_frequency</td>\n<td>Array</td>\n<td>GST return filing frequency details</td>\n</tr>\n<tr>\n<td>data.filing_frequency[].FINANCIAL_YEAR</td>\n<td>String</td>\n<td>Financial year</td>\n</tr>\n<tr>\n<td>data.filing_frequency[].RETURN_TYPE</td>\n<td>String</td>\n<td>GST return type</td>\n</tr>\n<tr>\n<td>data.filing_frequency[].FREQUENCY</td>\n<td>String</td>\n<td>Filing frequency</td>\n</tr>\n<tr>\n<td>data.filing_frequency[].TAX_PERIODS</td>\n<td>Array of Strings</td>\n<td>Tax periods applicable</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"latency-metrics\">Latency Metrics</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>GST Filing Details</td>\n<td>4000–19000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"status-code\">Status Code</h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Bad Request</td>\n<td>Wrong Input</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API token</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid GST Number</td>\n<td>Provided GSTIN is invalid or unavailable</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server-side error</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"additional-notes\">Additional Notes</h1>\n<ul>\n<li><p>Ensure the Bearer Token is active and valid for all requests.</p>\n</li>\n<li><p>GSTIN must be a valid 15-character alphanumeric identifier.</p>\n</li>\n<li><p>Filing history availability depends on GST portal reporting.</p>\n</li>\n<li><p>HSN/SAC details may vary depending on taxpayer disclosures.</p>\n</li>\n<li><p>Aadhaar validation details are returned if available from GST records.</p>\n</li>\n<li><p>The API is suitable for onboarding, underwriting, vendor verification, and GST compliance workflows.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","corporate","gstin","filling-details"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"58ce9f37-6ea9-4af0-8e7a-7ec2bd4bb00d","name":"Successfull (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"36AAJCT2376FXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/filling-details"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Mon, 11 May 2026 11:37:09 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"1932"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"78c-WG/L7zZGH8SHzKWD4cW6kkfaXWA\""}],"cookie":[],"responseTime":null,"body":"{\n  \"timestamp\": \"2026-05-11T11:37:09.587Z\",\n  \"transaction_id\": \"TXN-PROD-e4032913-054d-4b45-bd6c-1ad818dce42c\",\n  \"status\": \"success\",\n  \"data\": {\n    \"address_details\": {\n      \"adr\": \"PLOT NO.45, GREEN VALLEY TECH PARK, SECTOR 62, Noida, Gautam Buddha Nagar, Uttar Pradesh, 201309\"\n    },\n    \"einvoice_status\": true,\n    \"client_id\": \"corporate_gstin_Elzuhf0FRaM1X7ZUI4VO\",\n    \"gstin\": \"27AABCU9603R1ZX\",\n    \"pan_number\": \"AABCU9603R\",\n    \"fy\": \"2026-27\",\n    \"business_name\": \"URBANEDGE TECHNOLOGIES PRIVATE LIMITED\",\n    \"legal_name\": \"URBANEDGE TECHNOLOGIES PRIVATE LIMITED\",\n    \"center_jurisdiction\": \"State - CBIC, Zone - NOIDA, Commissionerate - NOIDA, Division - SECTOR 62, Range - NOIDA RANGE III\",\n    \"state_jurisdiction\": \"State - Uttar Pradesh, Division - Noida, Circle - SECTOR 62\",\n    \"date_of_registration\": \"2022-08-15\",\n    \"constitution_of_business\": \"Private Limited Company\",\n    \"taxpayer_type\": \"Regular\",\n    \"gstin_status\": \"Active\",\n    \"date_of_cancellation\": \"1890-01-01\",\n    \"field_visit_conducted\": \"Yes\",\n    \"nature_bus_activities\": [\n      \"Supplier of Services\",\n      \"Office / Sale Office\"\n    ],\n    \"nature_of_core_business_activity_code\": \"ITD\",\n    \"nature_of_core_business_activity_description\": \"Information Technology Services\",\n    \"aadhaar_validation\": \"Yes\",\n    \"aadhaar_validation_date\": \"2023-01-18\",\n    \"filing_status\": [\n      {\n        \"FINANCIAL_YEAR\": \"2026-2027\",\n        \"TAX_PERIOD\": \"April\",\n        \"MODE_OF_FILING\": \"ONLINE\",\n        \"DATE_OF_FILING\": \"10/05/2026\",\n        \"RETURN_TYPE\": \"GSTR1\",\n        \"ARN\": \"AA270526009876A\",\n        \"STATUS\": \"Filed\"\n      },\n      {\n        \"FINANCIAL_YEAR\": \"2026-2027\",\n        \"TAX_PERIOD\": \"March\",\n        \"MODE_OF_FILING\": \"ONLINE\",\n        \"DATE_OF_FILING\": \"11/04/2026\",\n        \"RETURN_TYPE\": \"GSTR3B\",\n        \"ARN\": \"AA270426007654B\",\n        \"STATUS\": \"Filed\"\n      }\n    ],\n    \"address\": \"PLOT NO.45, GREEN VALLEY TECH PARK, SECTOR 62, Noida, Gautam Buddha Nagar, Uttar Pradesh, 201309\",\n    \"hsn_info\": {\n      \"GOODS_DETAILS\": [\n        {\n          \"HSN_CODE\": \"84713010\",\n          \"DESCRIPTION\": \"Personal Computers\"\n        }\n      ],\n      \"SERVICE_DETAILS\": [\n        {\n          \"SERVICE_CODE\": \"998313\",\n          \"DESCRIPTION\": \"Information technology consulting and support services\"\n        },\n        {\n          \"SERVICE_CODE\": \"998314\",\n          \"DESCRIPTION\": \"IT infrastructure and network management services\"\n        }\n      ]\n    },\n    \"filing_frequency\": [\n      {\n        \"FINANCIAL_YEAR\": \"2026-27\",\n        \"RETURN_TYPE\": \"GSTR1\",\n        \"FREQUENCY\": \"Monthly\",\n        \"TAX_PERIODS\": [\n          \"January\",\n          \"February\",\n          \"March\",\n          \"April\"\n        ]\n      }\n    ]\n  }\n}"},{"id":"1361d168-2ac8-4d2b-ab83-1ea31d117dc4","name":"Invalid Details (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n    \"id_number\": \"36AAJCT345FXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/gstin/filling-details"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Mon, 11 May 2026 11:54:13 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"158"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9e-Ut32VSE0V00CwLRox8/geX98D8A\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-05-11T11:54:13.538Z\",\n    \"transaction_id\": \"TXN-PROD-7c0525de-ecc6-4b86-9892-ba2ee3fab8a4\",\n    \"error_message\": \"Invalid GST Number\"\n}"}],"_postman_id":"0f298c4c-0c1a-4612-89eb-769a3dbcf943"},{"name":"TAN Verify","id":"9ca87e11-80de-47af-bf16-3b069caf6772","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"id_number\": \"DEXAXX90XX\",\n   \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/tan/verify","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>TAN Verification API</strong> allows businesses to validate and retrieve official information associated with a Tax Deduction and Collection Account Number (TAN).</p>\n<p>It provides authoritative details such as the deductor’s name, category, address, status, and assessing officer (AO) information.</p>\n<p>This API is useful for corporate KYC, tax compliance checks, and validating the authenticity of TAN details provided by entities.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Validate authenticity and validity of a TAN number.</p>\n</li>\n<li><p>Retrieve deductor details, category, and registered address.</p>\n</li>\n<li><p>Confirm TAN activation status for KYB (Know Your Business) or onboarding processes.</p>\n</li>\n<li><p>Support compliance workflows and document verification.</p>\n</li>\n<li><p>Enable fraud prevention by confirming tax identity details.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Environment (LIVE)</strong></td>\n<td><code>https://live.totalekyc.com/api/corporate/tan/verify</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Authorization</strong></td>\n<td><code>Bearer YOUR_BEARER_TOKEN</code></td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>Content-Type</strong></td>\n<td><code>application/json</code></td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<h3 id=\"json-example\"><strong>JSON Example</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"id_number\": \"DEXAXX90XX\",\n  \"remark\": \"Optional client note or reference\"\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>id_number</strong></td>\n<td>String</td>\n<td>10-character TAN</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td><strong>remark</strong></td>\n<td>String</td>\n<td>Optional client note or reference, logged but not used in verification logic</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>data.tan_number</strong></td>\n<td>String</td>\n<td>Verified TAN number</td>\n</tr>\n<tr>\n<td><strong>data.deductor_name</strong></td>\n<td>String</td>\n<td>Registered name of the deductor</td>\n</tr>\n<tr>\n<td><strong>data.deductor_category_code</strong></td>\n<td>String</td>\n<td>Code representing the deductor category</td>\n</tr>\n<tr>\n<td><strong>data.deductor_category_description</strong></td>\n<td>String</td>\n<td>Description of the deductor’s category</td>\n</tr>\n<tr>\n<td><strong>data.address</strong></td>\n<td>String</td>\n<td>Registered address of the deductor</td>\n</tr>\n<tr>\n<td><strong>data.tan_status</strong></td>\n<td>String</td>\n<td>TAN status (e.g., Active, Inactive)</td>\n</tr>\n<tr>\n<td><strong>data.pan_number</strong></td>\n<td>String</td>\n<td>Linked PAN number if available</td>\n</tr>\n<tr>\n<td><strong>data.ao_area_code</strong></td>\n<td>String</td>\n<td>Assessing Officer area code</td>\n</tr>\n<tr>\n<td><strong>data.ao_type</strong></td>\n<td>String</td>\n<td>Assessing Officer type</td>\n</tr>\n<tr>\n<td><strong>data.ao_range_code</strong></td>\n<td>Integer</td>\n<td>Assessing Officer range code</td>\n</tr>\n<tr>\n<td><strong>data.ao_number</strong></td>\n<td>Integer</td>\n<td>Assessing Officer number</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>TAN Verification</strong></td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Bad Request</td>\n<td>Missing or invalid input values</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid TAN</td>\n<td>Provided TAN number is invalid or not found</td>\n</tr>\n<tr>\n<td><strong>403</strong></td>\n<td>Unauthorized</td>\n<td>Invalid or missing Bearer token</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Unexpected server error. Retry or check logs</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","corporate","tan","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"19285023-d29f-4307-97f6-a64eec6699eb","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"id_number\": \"DEXAXX90XX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/tan/verify"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Fri, 07 Nov 2025 10:01:34 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"520"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"208-tHbPN1BAL1UnItt1/zixnZk091c\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-11-07T10:01:34.323Z\",\n    \"transaction_id\": \"TXN-d500a2e8-6a3b-4b76-9487-c3d70fb18e9e\",\n    \"status\": \"success\",\n    \"data\": {\n        \"tan_number\": \"DEXAXX90XX\",\n        \"deductor_name\": \"AXM AXXXXXXXXY LXP\",\n        \"deductor_category_code\": \"7\",\n        \"deductor_category_description\": \"Firm/AOP/AOP(T)/BOI/Artificial Juridical Person\",\n        \"address\": \"FLAT NO 1313, S/F, BLOCK D,MADANGLE CGHS LTD, PLOT NO,NEW DELHI,N.I.I.T. 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charset=utf-8"},{"key":"Content-Length","value":"154"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"9a-MDNdhGShFBgZG8K1S7CBu1xqwww\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-11-07T10:02:52.594Z\",\n    \"transaction_id\": \"TXN-23391311-478c-4ff4-9e4d-b9dcc343de3e\",\n    \"error_message\": \"Invalid Tan Number\"\n}"}],"_postman_id":"9ca87e11-80de-47af-bf16-3b069caf6772"},{"name":"MCA Company Details","id":"11a177a9-dbf2-43d2-bbd2-690fdeb7f296","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"U63999HR2024PTCXXXXXX\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/mca/company-details","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>MCA Company Details API</strong> provides detailed company-level information by using the <strong>Corporate Identification Number (CIN)</strong> issued by the Ministry of Corporate Affairs (MCA).</p>\n<p>It returns comprehensive data including registration details, directors, capital structure, and compliance status, aiding in informed decision-making across industries.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Business onboarding and verification processes to confirm the legitimacy and registration status of Indian companies.</p>\n</li>\n<li><p>KYC compliance checks during vendor/supplier or partner registration.</p>\n</li>\n<li><p>Credit and risk profiling of companies before extending financial products or services.</p>\n</li>\n<li><p>Legal and compliance teams conducting due diligence and background checks.</p>\n</li>\n<li><p>Fraud prevention teams validating director identity and CIN status to avoid shell or non-compliant entities.</p>\n</li>\n<li><p>Fintech and lending institutions checking active compliance and authorized capital before loan approvals.</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Field</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL (Live)</strong></td>\n<td><code>https://live.finb.io/api/corporate/mca/company-details</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"authentication-header\"><strong>Authentication Header</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td><code>Bearer</code></td>\n<td>✅ Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td><code>application/json</code></td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-parameters\"><strong>Request Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>Valid CIN (Corporate Identification Number)</td>\n<td>✅ Yes</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.client_id</code></td>\n<td>String</td>\n<td>Unique identifier for the client.</td>\n</tr>\n<tr>\n<td><code>data.company_id</code></td>\n<td>String</td>\n<td>Company identification number (CIN).</td>\n</tr>\n<tr>\n<td><code>data.company_type</code></td>\n<td>String</td>\n<td>Type of the entity (e.g., Company).</td>\n</tr>\n<tr>\n<td><code>data.company_name</code></td>\n<td>String</td>\n<td>Full registered name of the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.cin</code></td>\n<td>String</td>\n<td>Corporate Identification Number (CIN).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.roc_code</code></td>\n<td>String</td>\n<td>Registrar of Companies (RoC) code.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.registration_number</code></td>\n<td>String</td>\n<td>Registration number of the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.company_category</code></td>\n<td>String</td>\n<td>Category of the company (e.g., Company limited by Shares).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.class_of_company</code></td>\n<td>String</td>\n<td>Class of company (e.g., Private).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.company_sub_category</code></td>\n<td>String</td>\n<td>Sub-category of the company (e.g., Non-govt company).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.authorized_capital</code></td>\n<td>String</td>\n<td>Authorized capital of the company (in INR).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.paid_up_capital</code></td>\n<td>String</td>\n<td>Paid-up capital of the company (in INR).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.number_of_members</code></td>\n<td>String</td>\n<td>Number of members in the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.date_of_incorporation</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of incorporation of the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.registered_address</code></td>\n<td>String</td>\n<td>Official registered address of the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.address_other_than_ro</code></td>\n<td>String</td>\n<td>Address other than registered office (if any).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.email_id</code></td>\n<td>String</td>\n<td>Registered email ID of the company.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.listed_status</code></td>\n<td>String</td>\n<td>Listed or unlisted company status.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.active_compliance</code></td>\n<td>Null / String</td>\n<td>Whether the company is in active compliance (if applicable).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.suspended_at_stock_exchange</code></td>\n<td>String</td>\n<td>Whether the company is suspended from stock exchange.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.last_agm_date</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of the last Annual General Meeting.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.last_bs_date</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of the last balance sheet filed.</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.company_status</code></td>\n<td>String</td>\n<td>Current status of the company (e.g., Active).</td>\n</tr>\n<tr>\n<td><code>data.details.company_info.status_under_cirp</code></td>\n<td>Null / String</td>\n<td>Indicates if the company is under Corporate Insolvency Resolution Process.</td>\n</tr>\n<tr>\n<td><code>data.details.directors[]</code></td>\n<td>Array of Objects</td>\n<td>List of directors associated with the company.</td>\n</tr>\n<tr>\n<td><code>data.details.directors[].din_number</code></td>\n<td>String</td>\n<td>Director Identification Number (DIN).</td>\n</tr>\n<tr>\n<td><code>data.details.directors[].director_name</code></td>\n<td>String</td>\n<td>Full name of the director.</td>\n</tr>\n<tr>\n<td><code>data.details.directors[].start_date</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date when the director’s term started.</td>\n</tr>\n<tr>\n<td><code>data.details.directors[].end_date</code></td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date when the director’s term ended (if applicable).</td>\n</tr>\n<tr>\n<td><code>data.details.directors[].surrendered_din</code></td>\n<td>Null / String</td>\n<td>DIN surrendered details (if any).</td>\n</tr>\n<tr>\n<td><code>data.details.charges</code></td>\n<td>Array</td>\n<td>List of registered charges (empty if none exist).</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>MCA Company Details</td>\n<td>800–1200ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully.</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Invalid CIN</td>\n<td>The provided CIN is incorrect or does not exist.</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key.</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Missing Required Parameters</td>\n<td>Required fields are missing in the request body.</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected issue occurred on the server.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Ensure the Bearer Token is active and valid when making API calls.</p>\n</li>\n<li><p>The <strong>CIN</strong> must be valid and in correct 21-character format (e.g., <code>U65999MH1995PLC123456</code>).</p>\n</li>\n<li><p>This API is intended for regulatory checks, financial onboarding, and organizational verification workflows.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","corporate","mca","company-details"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"c1b07c6b-bd0b-40ef-9278-a50ce972f3ce","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN","type":"text"}],"body":{"mode":"raw","raw":"{\r\n    \"id_number\": \"U63999HR2024PTCXXXXXX\",\r\n    \"remark\": \"Optional client note or reference\"\r\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/corporate/mca/company-details"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 24 Jun 2025 10:53:17 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"1311"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"ETag","value":"W/\"51f-b93Pcci+xr2mGVd46HfFvhM1nAE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-06-24T10:53:17.630Z\",\n    \"transaction_id\": \"36de97c5-2ea5-4696-9b3d-82551a5c57fb\",\n    \"status\": \"success\",\n    \"data\": {\n        \"client_id\": \"company_jmzgOScrUWlvchjSiaRh\",\n        \"company_id\": \"U63999HR2024PTC122347\",\n        \"company_type\": \"Company\",\n        \"company_name\": \"PROTOP CONSULTANCY SERVICES PRIVATE LIMITED\",\n        \"details\": {\n            \"company_info\": {\n                \"cin\": \"U63999HR2024PTC122347\",\n                \"roc_code\": \"RoC-Delhi\",\n                \"registration_number\": \"122347\",\n                \"company_category\": \"Company limited by Shares\",\n                \"class_of_company\": \"Private\",\n                \"company_sub_category\": \"Non-govt company\",\n                \"authorized_capital\": \"100000\",\n                \"paid_up_capital\": \"100000\",\n                \"number_of_members\": \"0\",\n                \"date_of_incorporation\": \"2024-06-07\",\n                \"registered_address\": \"PLOT NO.-4 2ND FLOOR MINARCH TOWER Sector 44 Gurgaon Sector 45 Sector -45 Gurgaon HR 122003 IN\",\n                \"address_other_than_ro\": \"-\",\n                \"email_id\": \"protopconsultancy2025@outlook.com\",\n                \"listed_status\": \"Unlisted\",\n                \"active_compliance\": null,\n                \"suspended_at_stock_exchange\": \"-\",\n                \"last_agm_date\": \"1800-01-01\",\n                \"last_bs_date\": \"1800-01-01\",\n                \"company_status\": \"Active\",\n                \"status_under_cirp\": null\n            },\n            \"directors\": [\n                {\n                    \"din_number\": \"10660837\",\n                    \"director_name\": \"MANOJ JOSHI\",\n                    \"start_date\": \"2024-06-07\",\n                    \"end_date\": \"1800-01-01\",\n                    \"surrendered_din\": null\n                },\n                {\n                    \"din_number\": \"10660838\",\n                    \"director_name\": \"KEVAL KUMAR\",\n                    \"start_date\": \"2024-06-07\",\n                    \"end_date\": \"1800-01-01\",\n                    \"surrendered_din\": null\n                }\n            ],\n            \"charges\": []\n        }\n    }\n}"}],"_postman_id":"11a177a9-dbf2-43d2-bbd2-690fdeb7f296"},{"name":"DIN to Contact","id":"f764a32d-6f60-4284-8796-852441d24c3f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\" : \"072351XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/din/contact","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The DIN to Contact API enables real-time retrieval of contact details (mobile number and email address) associated with a company director's Director Identification Number (DIN). It is useful for communication, identity verification, compliance, and background checks.</p>\n<h3 id=\"use-cases\"><strong>Use Cases</strong></h3>\n<ol>\n<li><p><strong>Digital KYC &amp; Onboarding</strong>: Fetch director contact details to complete business onboarding or regulatory verification.</p>\n</li>\n<li><p><strong>Due Diligence &amp; Compliance</strong>: Used by financial institutions and legal firms to verify and maintain communication with company directors.</p>\n</li>\n<li><p><strong>Debt Recovery &amp; Legal Notices</strong>: Identify and reach out to directors for resolution of dues or issuance of legal notices.</p>\n</li>\n<li><p><strong>Background Checks</strong>: Valuable for HR, NBFCs, and fintechs conducting comprehensive background verification.</p>\n</li>\n<li><p><strong>Partner/Stakeholder Vetting</strong>: Verify directorships and contact details when evaluating new vendors or business partners.</p>\n</li>\n</ol>\n<hr />\n<h3 id=\"api-details\"><strong>API Details</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/prefill/din-to-contact</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td><code>POST</code></td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (required in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>din</td>\n<td>String</td>\n<td>Director Identification Number</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-body-parameters\"><strong>Response Body Parameters</strong></h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n  \"timestamp\": \"2025-07-16T06:03:23.015Z\",\n  \"transaction_id\": \"TXN-ddc0b634-1555-4376-8f00-00d85335f454\",\n  \"status\": \"success\",\n  \"data\": {\n    \"email\": \"dktinfraanddeveloperspvtltd@gmail.com\",\n    \"mobile\": \"+919416853895\"\n  }\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Email address of the director</td>\n</tr>\n<tr>\n<td>data.mobile</td>\n<td>string</td>\n<td>Mobile number of the director</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>DIN to Contact</td>\n<td>300–700 ms</td>\n</tr>\n</tbody>\n</table>\n</div><h3 id=\"status-codes\"><strong>Status Codes</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeable</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>200</td>\n<td>No Data Found</td>\n<td>No Record Found for the given DIN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid DIN</td>\n<td>DIN is invalid or unregistered</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side processing error</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"additional-notes\"><strong>Additional Notes</strong></h3>\n<ul>\n<li><p>Ensure the DIN is valid and correctly formatted (generally a numeric 8-digit string).</p>\n</li>\n<li><p>The contact information is sourced from publicly available or government-compliant datasets.</p>\n</li>\n<li><p>For production access, use the <strong>Live URL</strong> with a valid <strong>Bearer token</strong>.</p>\n</li>\n<li><p>Response format is consistent across environments.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","din","contact"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b1d07c28-3fe0-4a42-9cc6-4f295f4053e6","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\" : \"098196XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/din/contact"},"status":"OK","code":200,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 16 Jul 2025 07:42:52 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"201"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"c9-GN3+C9zQiuTFCx/lzyx+hzbLbOA\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-07-16T07:42:52.747Z\",\n    \"transaction_id\": \"TXN-966353a1-2fc3-4108-8822-37bc6ad232bd\",\n    \"status\": \"success\",\n    \"data\": {\n        \"email\": \"dktinfraanddeveloperspvtltd@gmail.com\",\n        \"mobile\": \"+919416853895\"\n    }\n}"},{"id":"95a8051d-6b2f-4396-9a06-3591eec21861","name":"No Data Found (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\" : \"072351XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://uat.totalekyc.com/api/kyc/din/contact"},"_postman_previewlanguage":"Text","header":null,"cookie":[],"responseTime":null,"body":null},{"id":"4edac65d-cb95-4920-8d66-293627c1decf","name":"Bad Request (422)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\" : \"09816XX\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/din/contact"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"json","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 16 Jul 2025 09:14:40 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"181"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"b5-vVq8p7N3Ee6WI5jOgs4VJ8K8/sE\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2025-07-16T09:14:40.093Z\",\n    \"transaction_id\": \"TXN-412c7e95-bbf5-4056-a7b2-c2667f5a8878\",\n    \"error_message\": \"din length must be at least 8 characters long\"\n}"}],"_postman_id":"f764a32d-6f60-4284-8796-852441d24c3f"},{"name":"Mobile to UAN","id":"5fad28f0-41fb-4e33-aebf-25673b321b92","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"XXXXXXXX23\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Mobile to UAN API</strong> allows users to retrieve one or more Universal Account Numbers (UAN) associated with a given mobile number registered in EPFO records.</p>\n<p>This API is useful for employee verification, PF account tracking, KYC completion, and onboarding processes that require EPF details.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p>Find all UANs linked to a registered mobile number.</p>\n</li>\n<li><p>Assist employees in identifying their EPFO accounts.</p>\n</li>\n<li><p>Validate mobile number ownership against EPFO records.</p>\n</li>\n<li><p>Speed up onboarding by pre-filling PF details.</p>\n</li>\n<li><p>Reduce errors in PF account mapping.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Property</strong></th>\n<th><strong>Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Live</strong>: <code>https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"headers\"><strong>Headers</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Header Name</strong></th>\n<th><strong>Value Format</strong></th>\n<th><strong>Required</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"request-body\"><strong>Request Body</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Parameter</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n<th><strong>Example Value</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>multiple</td>\n<td>Integer</td>\n<td>Set to <code>1</code> to retrieve all UANs linked to the mobile number; <code>0</code> to retrieve only one.</td>\n<td>1</td>\n</tr>\n<tr>\n<td>mobile_number</td>\n<td>String</td>\n<td>Mobile number registered with EPFO (10 digits).</td>\n<td>\"63XXX3XX23\"</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h3 id=\"response-parameters\"><strong>Response Parameters</strong></h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Key</strong></th>\n<th><strong>Type</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>timestamp</td>\n<td>string</td>\n<td>Time when the request was processed (ISO format).</td>\n</tr>\n<tr>\n<td>transaction_id</td>\n<td>string</td>\n<td>Unique identifier for the API transaction.</td>\n</tr>\n<tr>\n<td>status</td>\n<td>string</td>\n<td>Status of the request (e.g., \"success\").</td>\n</tr>\n<tr>\n<td>data.uan</td>\n<td>array</td>\n<td>List of UAN(s) linked to the provided mobile number.</td>\n</tr>\n</tbody>\n</table>\n</div><h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to UAN</td>\n<td>300-800ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th><strong>Status Code</strong></th>\n<th><strong>Error Message</strong></th>\n<th><strong>Description</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully.</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td><code>\"mobile_number\"</code> is missing from the request.</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header.</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Invalid Mobile Number</td>\n<td>The mobile number is invalid or not found in EPFO records.</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\"><strong>Additional Notes</strong></h2>\n<ul>\n<li><p>Always ensure the Bearer Token is active and valid.</p>\n</li>\n<li><p>Mobile number must be a valid 10-digit number registered with EPFO.</p>\n</li>\n<li><p>Use <code>multiple: 1</code> to get all linked UANs; use <code>0</code> to retrieve only one.</p>\n</li>\n<li><p>Useful for both KYC verification and employee PF account tracking.</p>\n</li>\n<li><p>Helps avoid duplicate PF account entries during onboarding.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","epfo","mobile-to-uan"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"7e271e0e-edfa-4b3d-bf6d-bc21d19dfef8","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"XXXXXXXX23\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:11:11 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"166"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"a6-QmZZe4MQ5oYVsjzi+Pj4BKpPb14\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-11T15:11:11.904Z\",\n    \"transaction_id\": \"TXN-4d8d0206-9c79-42d6-b223-07abdca35a80\",\n    \"status\": \"success\",\n    \"data\": {\n        \"uan\": [\n            \"1005XX13XX13\",\n            \"1009XX43XX23\"\n        ]\n    }\n}"},{"id":"3cc32a4f-3041-41fe-a4cf-4bfd6451184d","name":"Bad Request (400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"multiple\": 1,\n  \"mobile_number\": \"123456789\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/epfo/mobile-to-uan"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:12:15 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"80"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"50-aRxlm4d4femInT/VScXvDPqJ1zg\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input mobile_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"5fad28f0-41fb-4e33-aebf-25673b321b92"},{"name":"UDYAM Details","id":"80e0fbe7-ba3f-4ea8-adb7-820ce5cb173f","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"msme\": \"UDYAM-DL-07-000XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/msme/udhyam/details","description":"<h1 id=\"introduction\"><strong>Introduction</strong></h1>\n<p>The <strong>Udyam Details API</strong> allows businesses to fetch MSME (Udyam) registration details using the Udyam Registration Number. It provides comprehensive information such as enterprise details, classification history, address, plant locations, and NIC activity classification.</p>\n<p>This API is useful for MSME verification, KYB workflows, lending decisions, and compliance processes.</p>\n<hr />\n<h1 id=\"use-cases\"><strong>Use Cases</strong></h1>\n<ul>\n<li><p>Fetch MSME/Udyam details using registration number</p>\n</li>\n<li><p>Verify authenticity of MSME registration</p>\n</li>\n<li><p>Retrieve enterprise classification and activity details</p>\n</li>\n<li><p>Enable KYB (Know Your Business) verification</p>\n</li>\n<li><p>Support MSME lending and underwriting workflows</p>\n</li>\n</ul>\n<hr />\n<h1 id=\"api-details\"><strong>API Details</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>LIVE :</strong> <a href=\"https://uat.totalekyc.com/api/msme/udhyam/details\"><b>https://uat.totalekyc.com/api/msme/udhyam/details</b></a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\"><strong>Headers</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>msme</td>\n<td>String</td>\n<td>Udyam Registration Number (UDYAM format)</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\"><strong>Response Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.msme_number</td>\n<td>string</td>\n<td>Udyam registration number</td>\n</tr>\n<tr>\n<td>data.name_of_enterprise</td>\n<td>string</td>\n<td>Name of the enterprise</td>\n</tr>\n<tr>\n<td>data.organization_type</td>\n<td>string</td>\n<td>Type of organization</td>\n</tr>\n<tr>\n<td>data.major_activity</td>\n<td>string</td>\n<td>Primary business activity</td>\n</tr>\n<tr>\n<td>data.social_category</td>\n<td>string</td>\n<td>Social category of the owner</td>\n</tr>\n<tr>\n<td>data.date_of_commencement</td>\n<td>string</td>\n<td>Business commencement date</td>\n</tr>\n<tr>\n<td>data.date_of_udyam_registration</td>\n<td>string</td>\n<td>Udyam registration date</td>\n</tr>\n<tr>\n<td>data.mobile_number</td>\n<td>string</td>\n<td>Masked mobile number</td>\n</tr>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Registered email ID</td>\n</tr>\n<tr>\n<td>data.flat</td>\n<td>string</td>\n<td>Flat/house number</td>\n</tr>\n<tr>\n<td>data.road</td>\n<td>string</td>\n<td>Street/road name</td>\n</tr>\n<tr>\n<td>data.name_of_building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.state</td>\n<td>string</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.enterprise_type</td>\n<td>array</td>\n<td>MSME classification history</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_year</td>\n<td>string</td>\n<td>Financial year</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].enterprise_type</td>\n<td>string</td>\n<td>Enterprise category (Micro/Small/Medium)</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_date</td>\n<td>string</td>\n<td>Classification date</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details</td>\n<td>array</td>\n<td>Plant/unit location details</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].unit_name</td>\n<td>string</td>\n<td>Name of the unit</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].flat</td>\n<td>string</td>\n<td>Flat/shop number</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].village</td>\n<td>string</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].block</td>\n<td>string</td>\n<td>Block/area</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].road</td>\n<td>string</td>\n<td>Road/street</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].district</td>\n<td>string</td>\n<td>District name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].city</td>\n<td>string</td>\n<td>City name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].state</td>\n<td>string</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].pin</td>\n<td>string</td>\n<td>Pincode</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].sn</td>\n<td>string</td>\n<td>Serial number of unit</td>\n</tr>\n<tr>\n<td>data.nic_code</td>\n<td>array</td>\n<td>NIC activity classification</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_year</td>\n<td>string</td>\n<td>NIC 2-digit category</td>\n</tr>\n<tr>\n<td>data.nic_code[].enterprise_type</td>\n<td>string</td>\n<td>NIC 5-digit activity description</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_date</td>\n<td>string</td>\n<td>Activity type (Manufacturing/Services)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"latency-metrics\"><strong>Latency Metrics</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Udyam Details</td>\n<td>500–2000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"status-code\"><strong>Status Code</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"msme\" is missing</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Data Found</td>\n<td>No Udyam Details Found</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","msme","udhyam","details"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"261f09ed-fe9f-4ce5-868a-a8e1917cf75b","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"msme\": \"UDYAM-DL-07-000XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/msme/udhyam/details"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Mon, 13 Apr 2026 09:08:41 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"1273"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"98"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"4f9-hvL2qGuP9W9ooNS7dndQPQnWuEo\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-13T09:08:41.019Z\",\n    \"transaction_id\": \"TXN-PROD-07f23c17-423a-436c-910a-6dc752429c04\",\n    \"status\": \"success\",\n    \"data\": {\n        \"flat\": \"13-B\",\n        \"road\": \"MANSAROVER PARK\",\n        \"email\": \"taxtimes@taxtimes.in\",\n        \"state\": \"DELHI\",\n        \"msme_number\": \"UDYAM-DL-07-000XXXX\",\n        \"mobile_number\": \"98*****8XX\",\n        \"major_activity\": \"Services\",\n        \"enterprise_type\": [\n            {\n                \"classification_year\": \"2026-27\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"\"\n            },\n            {\n                \"classification_year\": \"2025-26\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"\"\n            },\n            {\n                \"classification_year\": \"2024-25\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"\"\n            },\n            {\n                \"classification_year\": \"2023-24\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"\"\n            }\n        ],\n        \"social_category\": \"General\",\n        \"name_of_building\": \"TAXTIMES\",\n        \"organization_type\": \"Proprietary\",\n        \"name_of_enterprise\": \"TAXTIMES\",\n        \"date_of_commencement\": \"01-01-1998\",\n        \"location_of_plant_details\": [\n            {\n                \"unit_name\": \"TAXTIMES\",\n                \"flat\": \"13-B\",\n                \"building\": \"TAXTIMES\",\n                \"village\": \"MANSAROVER PARK\",\n                \"block\": \"D.D.A. FLAT\",\n                \"road\": \"MANSAROVER PARK\",\n                \"district\": \"SHAHDARA\",\n                \"city\": \"SHAHDARA\",\n                \"state\": \"DELHI\",\n                \"pin\": \"110032\",\n                \"sn\": \"1\"\n            }\n        ],\n        \"date_of_udyam_registration\": \"06-21-2023\",\n        \"nic_code\": [\n            {\n                \"enterprise_type\": \"69202 - Tax consultancy\",\n                \"classification_date\": \"Services\",\n                \"classification_year\": \"69 - Legal and accounting activities\"\n            }\n        ]\n    }\n}"}],"_postman_id":"80e0fbe7-ba3f-4ea8-adb7-820ce5cb173f"},{"name":"Pan to Udyam Details","id":"a3fa61d0-00c0-454c-aac8-d757df1386a4","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"HESPD8XXXX\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details","description":"<h1 id=\"introduction\"><strong>Introduction</strong></h1>\n<p>The <strong>PAN to Udyam MSME Details API</strong> allows businesses to fetch MSME (Udyam) registration details linked to a given PAN number. It returns enterprise information such as MSME number, enterprise classification history, business details, location, and NIC classification.</p>\n<p>This API is useful for <strong>business verification, MSME validation, KYB processes, and lending risk assessment</strong>.</p>\n<hr />\n<h1 id=\"use-cases\"><strong>Use Cases</strong></h1>\n<ul>\n<li><p>Verify MSME (Udyam) registration using PAN</p>\n</li>\n<li><p>Retrieve enterprise classification (Micro/Small/Medium) history</p>\n</li>\n<li><p>Fetch business details for KYB onboarding</p>\n</li>\n<li><p>Validate enterprise existence for lending/credit underwriting</p>\n</li>\n<li><p>Extract plant/location and NIC activity details</p>\n</li>\n</ul>\n<hr />\n<h1 id=\"api-details\"><strong>API Details</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><a href=\"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details\">https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\"><strong>Headers</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h1>\n<h3 id=\"json\">JSON</h3>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{  \"id_number\": \"AAGFMXXXX\"}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\"><strong>Response Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.msme_number</td>\n<td>string</td>\n<td>Udyam registration number</td>\n</tr>\n<tr>\n<td>data.name_of_enterprise</td>\n<td>string</td>\n<td>Name of the enterprise</td>\n</tr>\n<tr>\n<td>data.major_activity</td>\n<td>string</td>\n<td>Primary business activity (e.g., Trading, Manufacturing)</td>\n</tr>\n<tr>\n<td>data.social_category</td>\n<td>string</td>\n<td>Social category of the enterprise owner</td>\n</tr>\n<tr>\n<td>data.date_of_commencement</td>\n<td>string</td>\n<td>Business start date</td>\n</tr>\n<tr>\n<td>data.state</td>\n<td>string</td>\n<td>State of registration</td>\n</tr>\n<tr>\n<td>data.date_of_udyam_registration</td>\n<td>string</td>\n<td>Date of Udyam registration</td>\n</tr>\n<tr>\n<td>data.organization_type</td>\n<td>string</td>\n<td>Type of organization (e.g., Partnership, Proprietorship)</td>\n</tr>\n<tr>\n<td>data.mobile_number</td>\n<td>string</td>\n<td>Masked mobile number</td>\n</tr>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Email associated with enterprise</td>\n</tr>\n<tr>\n<td>data.flat</td>\n<td>string</td>\n<td>Address flat/door number</td>\n</tr>\n<tr>\n<td>data.name_of_building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.road</td>\n<td>string</td>\n<td>Road/street name</td>\n</tr>\n<tr>\n<td>data.enterprise_type</td>\n<td>array</td>\n<td>List of enterprise classification history</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_year</td>\n<td>string</td>\n<td>Financial year of classification</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].enterprise_type</td>\n<td>string</td>\n<td>MSME category (Micro/Small/Medium)</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_date</td>\n<td>string</td>\n<td>Date of classification</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details</td>\n<td>array</td>\n<td>List of plant/unit location details</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].sn</td>\n<td>string</td>\n<td>Serial number</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].unit_name</td>\n<td>string</td>\n<td>Unit name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].flat</td>\n<td>string</td>\n<td>Address flat</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].village</td>\n<td>string</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].block</td>\n<td>string</td>\n<td>Block</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].road</td>\n<td>string</td>\n<td>Road</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].city</td>\n<td>string</td>\n<td>City</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].pin</td>\n<td>string</td>\n<td>Pincode</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].state</td>\n<td>string</td>\n<td>State</td>\n</tr>\n<tr>\n<td>data.location_of_plant_details[].district</td>\n<td>string</td>\n<td>District</td>\n</tr>\n<tr>\n<td>data.nic_code</td>\n<td>array</td>\n<td>List of NIC classification details</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_year</td>\n<td>string</td>\n<td>NIC category description</td>\n</tr>\n<tr>\n<td>data.nic_code[].enterprise_type</td>\n<td>string</td>\n<td>Specific NIC code and activity</td>\n</tr>\n<tr>\n<td>data.nic_code[].classification_date</td>\n<td>string</td>\n<td>Business activity type</td>\n</tr>\n</tbody>\n</table>\n</div><h1 id=\"status-code\"><strong>Status Code</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Message</th>\n<th>Description</th>\n<th><strong>Chargeble</strong></th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Data Found / Invalid PAN / Inactive PAN</td>\n<td>There is No information available on MSME Site</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API token</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected server issue</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","msme","pan-to-udyam","details"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"b5dd2179-c308-4f8c-a668-6c6f068c2133","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"AAGFM1XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Thu, 02 Apr 2026 09:16:24 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"1414"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"586-k/6o2NTIWiqUVxRXv1dZ73cfJfY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-02T09:16:24.091Z\",\n    \"transaction_id\": \"TXN-PROD-12345abc-6789-4def-9012-abcdef123456\",\n    \"status\": \"success\",\n    \"data\": {\n        \"msme_number\": \"UDYAM-AB-12-0000123\",\n        \"enterprise_type\": [\n            {\n                \"classification_year\": \"2025-26\",\n                \"enterprise_type\": \"Small\",\n                \"classification_date\": \"01/04/2025\"\n            },\n            {\n                \"classification_year\": \"2024-25\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"15/04/2024\"\n            },\n            {\n                \"classification_year\": \"2023-24\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"10/05/2023\"\n            },\n            {\n                \"classification_year\": \"2022-23\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"05/06/2022\"\n            }\n        ],\n        \"name_of_enterprise\": \"M/S SAMPLE ENTERPRISES\",\n        \"major_activity\": \"MANUFACTURING\",\n        \"social_category\": \"OBC\",\n        \"date_of_commencement\": \"01/01/2000\",\n        \"state\": \"KARNATAKA\",\n        \"date_of_udyam_registration\": \"01/04/2022\",\n        \"flat\": \"NO.12-34/A\",\n        \"name_of_building\": \"ABC COMPLEX\",\n        \"road\": \"MG ROAD\",\n        \"mobile_number\": \"98XXXXX123\",\n        \"email\": \"sample.enterprise@example.com\",\n        \"organization_type\": \"Proprietorship\",\n        \"location_of_plant_details\": [\n            {\n                \"sn\": \"1\",\n                \"unit_name\": \"M/S SAMPLE ENTERPRISES UNIT 1\",\n                \"flat\": \"NO.12-34/A\",\n                \"building\": \"ABC COMPLEX\",\n                \"village\": \"WHITEFIELD\",\n                \"block\": \"1\",\n                \"road\": \"MG ROAD\",\n                \"city\": \"BENGALURU\",\n                \"pin\": \"560001\",\n                \"state\": \"KARNATAKA\",\n                \"district\": \"Bengaluru Urban\"\n            }\n        ],\n        \"nic_code\": [\n            {\n                \"classification_year\": \"10 - Manufacture of food products\",\n                \"enterprise_type\": \"10790 - Manufacture of other food products\",\n                \"classification_date\": \"Manufacturing\"\n            }\n        ]\n    }\n}"},{"id":"c61c85e4-e748-4a14-a601-5b454fac1369","name":"No Record Found (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/msme/pan-to-udyam/details"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Thu, 02 Apr 2026 10:08:26 GMT"},{"key":"content-type","value":"application/json; 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'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"98-OTCudA+ZuyXl79Cz2wKJE3uxWlw\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T07:17:42.805Z\",\n    \"transaction_id\": \"TXN-PROD-9eacc400-a436-4d63-a4d2-a1df465a4266\",\n    \"error_message\": \"Invalid PAN\"\n}"}],"_postman_id":"a3fa61d0-00c0-454c-aac8-d757df1386a4"},{"name":"PAN to Udyam Number","id":"8338259a-5c8e-4641-9468-4016d3b91a08","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"HESPD8XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The PAN to Udyam Number API allows businesses to fetch Udyam Registration Numbers linked to a given PAN (Permanent Account Number).</p>\n<p>This API helps in identifying MSME registrations associated with a PAN, enabling business verification and compliance checks.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ol>\n<li><p>Fetch Udyam Registration Number using PAN</p>\n</li>\n<li><p>Identify MSME registrations linked to a business</p>\n</li>\n<li><p>Support business verification and onboarding</p>\n</li>\n<li><p>Enable compliance checks for MSME classification</p>\n</li>\n<li><p>Assist in financial profiling and risk assessment</p>\n</li>\n</ol>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>Live:</strong> <a href=\"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number\">https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number</a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>id_number</td>\n<td>String</td>\n<td>PAN number (10-character alphanumeric)</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>timestamp</td>\n<td>string</td>\n<td>API response timestamp</td>\n</tr>\n<tr>\n<td>transaction_id</td>\n<td>string</td>\n<td>Unique transaction ID for the request</td>\n</tr>\n<tr>\n<td>status</td>\n<td>string</td>\n<td>Status of the API response (success/failure)</td>\n</tr>\n<tr>\n<td>data</td>\n<td>array</td>\n<td>List of Udyam registrations linked to the PAN</td>\n</tr>\n<tr>\n<td>data[].udyam_number</td>\n<td>string</td>\n<td>Udyam Registration Number</td>\n</tr>\n<tr>\n<td>data[].enterprise_name</td>\n<td>string</td>\n<td>Name of the registered enterprise</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>PAN to Udyam Number</td>\n<td>1000–3000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-code\"><strong>Status Code</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"id_number\" is missing from the request</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Records Found</td>\n<td>No Udyam records found for the given PAN</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","pan","pan-to-udyam","number"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"7780b29b-0187-4baf-8212-7610e101d9b2","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"id_number\": \"HESPD8XXXX\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Thu, 02 Apr 2026 10:30:33 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"215"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"d7-pGVwdKBBIKkbGywjYvRP76twpMY\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-02T10:30:33.345Z\",\n    \"transaction_id\": \"TXN-PROD-26307393-92be-48ad-a9a8-0ec886d1e26d\",\n    \"status\": \"success\",\n    \"data\": [\n        {\n            \"udyam_number\": \"UDYAM-RJ-1X-0XX24XX\",\n            \"enterprise_name\": \"Mixture Bite Enterprise\"\n        }\n    ]\n}"},{"id":"851cca49-2a10-499a-9e60-ea692bcc5567","name":"Invalid Pan (422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Fri, 03 Apr 2026 07:59:18 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"151"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"97-WzuXzv7W+5A1qPCqSfgtMH1cdDs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T07:59:18.325Z\",\n    \"transaction_id\": \"TXN-PROD-38e864fa-86f9-4620-a94d-e75c7f4a25c7\",\n    \"error_message\": \"Invalid PAN\"\n}"},{"id":"45d7957f-afb3-482f-8878-23ae96ece9c7","name":"No Data Found(422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"BearerYOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"\n{\n \"id_number\": \"NAXPS6XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/pan/pan-to-udyam/number"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Fri, 03 Apr 2026 08:00:36 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"154"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9a-GpINdm3TzpwPITdpR5nrk7yfOio\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-03T08:00:36.780Z\",\n    \"transaction_id\": \"TXN-PROD-286c08a5-664f-4eed-9c1f-723a71f87e1e\",\n    \"error_message\": \"MSME not found\"\n}"}],"_postman_id":"8338259a-5c8e-4641-9468-4016d3b91a08"},{"name":"Mobile to UDYAM Details","id":"3ce0b913-307d-43d4-8223-b33a17ecd533","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"mobile_no\": \"912346XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-udyam/detail","description":"<h1 id=\"introduction\"><strong>Introduction</strong></h1>\n<p>The <strong>Mobile to Udyam Detail API</strong> allows businesses to fetch Udyam (MSME) registration details using a registered mobile number. It returns enterprise information such as business name, type, classification, address, NIC activity details, and registration metadata.</p>\n<p>This API is useful for MSME verification, business onboarding, risk assessment, and compliance workflows.</p>\n<hr />\n<h1 id=\"use-cases\"><strong>Use Cases</strong></h1>\n<ul>\n<li><p>Fetch Udyam (MSME) details using mobile number</p>\n</li>\n<li><p>Verify business registration and enterprise classification</p>\n</li>\n<li><p>Retrieve enterprise name, address, and activity details</p>\n</li>\n<li><p>Assist in MSME-based lending and underwriting</p>\n</li>\n<li><p>Enable KYB (Know Your Business) and onboarding workflows</p>\n</li>\n</ul>\n<hr />\n<h1 id=\"api-details\"><strong>API Details</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td><strong>LIVE :</strong> <a href=\"https://uat.totalekyc.com/api/kyc/mobile-to-udyam/detail\"><b>https://live.totalekyc.com/api/kyc/mobile-to-udyam/detail</b></a></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"headers\"><strong>Headers</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer YOUR_BEARER_TOKEN</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"request-body-parameters\"><strong>Request Body Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>mobile_no</td>\n<td>String</td>\n<td>Registered mobile number linked with Udyam</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"response-parameters\"><strong>Response Parameters</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.enterprise_name</td>\n<td>string</td>\n<td>Name of the enterprise</td>\n</tr>\n<tr>\n<td>data.organisation_type</td>\n<td>string</td>\n<td>Type of organization (e.g., Proprietary)</td>\n</tr>\n<tr>\n<td>data.service_type</td>\n<td>string</td>\n<td>Nature of business (Manufacturing/Services/Trading)</td>\n</tr>\n<tr>\n<td>data.gender</td>\n<td>string</td>\n<td>Gender of the proprietor</td>\n</tr>\n<tr>\n<td>data.social_category</td>\n<td>string</td>\n<td>Social category of the owner</td>\n</tr>\n<tr>\n<td>data.date_of_incorporation</td>\n<td>string</td>\n<td>Date of incorporation (DD/MM/YYYY)</td>\n</tr>\n<tr>\n<td>data.date_of_commencement</td>\n<td>string</td>\n<td>Business commencement date</td>\n</tr>\n<tr>\n<td>data.mobile</td>\n<td>string</td>\n<td>Masked mobile number</td>\n</tr>\n<tr>\n<td>data.email</td>\n<td>string</td>\n<td>Registered email ID</td>\n</tr>\n<tr>\n<td>data.address.flat_no</td>\n<td>string</td>\n<td>Flat/shop number</td>\n</tr>\n<tr>\n<td>data.address.building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.address.village</td>\n<td>string</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td>data.address.block</td>\n<td>string</td>\n<td>Block/area</td>\n</tr>\n<tr>\n<td>data.address.street</td>\n<td>string</td>\n<td>Street name</td>\n</tr>\n<tr>\n<td>data.address.district</td>\n<td>string</td>\n<td>District name</td>\n</tr>\n<tr>\n<td>data.address.city</td>\n<td>string</td>\n<td>City name</td>\n</tr>\n<tr>\n<td>data.address.state</td>\n<td>string</td>\n<td>State name</td>\n</tr>\n<tr>\n<td>data.address.pin</td>\n<td>string</td>\n<td>Pincode</td>\n</tr>\n<tr>\n<td>data.plant_details</td>\n<td>array</td>\n<td>List of plant/unit addresses</td>\n</tr>\n<tr>\n<td>data.plant_details[].unit_name</td>\n<td>string</td>\n<td>Name of the unit</td>\n</tr>\n<tr>\n<td>data.plant_details[].flat</td>\n<td>string</td>\n<td>Flat/shop number</td>\n</tr>\n<tr>\n<td>data.plant_details[].building</td>\n<td>string</td>\n<td>Building name</td>\n</tr>\n<tr>\n<td>data.plant_details[].village</td>\n<td>string</td>\n<td>Village/locality</td>\n</tr>\n<tr>\n<td>data.plant_details[].block</td>\n<td>string</td>\n<td>Block/area</td>\n</tr>\n<tr>\n<td>data.plant_details[].road</td>\n<td>string</td>\n<td>Road/street</td>\n</tr>\n<tr>\n<td>data.plant_details[].district</td>\n<td>string</td>\n<td>District</td>\n</tr>\n<tr>\n<td>data.plant_details[].city</td>\n<td>string</td>\n<td>City</td>\n</tr>\n<tr>\n<td>data.plant_details[].state</td>\n<td>string</td>\n<td>State</td>\n</tr>\n<tr>\n<td>data.plant_details[].pin</td>\n<td>string</td>\n<td>Pincode</td>\n</tr>\n<tr>\n<td>data.enterprise_type</td>\n<td>array</td>\n<td>MSME classification details</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_year</td>\n<td>string</td>\n<td>Financial year</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].enterprise_type</td>\n<td>string</td>\n<td>Enterprise category (Micro/Small/Medium)</td>\n</tr>\n<tr>\n<td>data.enterprise_type[].classification_date</td>\n<td>string</td>\n<td>Classification date (if available)</td>\n</tr>\n<tr>\n<td>data.nic_code</td>\n<td>array</td>\n<td>NIC activity details</td>\n</tr>\n<tr>\n<td>data.nic_code[].nic_2_digit</td>\n<td>string</td>\n<td>2-digit NIC code description</td>\n</tr>\n<tr>\n<td>data.nic_code[].nic_4_digit</td>\n<td>string</td>\n<td>4-digit NIC code description</td>\n</tr>\n<tr>\n<td>data.nic_code[].nic_5_digit</td>\n<td>string</td>\n<td>5-digit NIC code description</td>\n</tr>\n<tr>\n<td>data.nic_code[].activity</td>\n<td>string</td>\n<td>Type of activity (Trading/Manufacturing/Services)</td>\n</tr>\n<tr>\n<td>data.nic_code[].date</td>\n<td>string</td>\n<td>Activity registration date</td>\n</tr>\n<tr>\n<td>data.dic</td>\n<td>string</td>\n<td>District Industries Centre</td>\n</tr>\n<tr>\n<td>data.msme-dfo</td>\n<td>string</td>\n<td>MSME Development Facilitation Office</td>\n</tr>\n<tr>\n<td>data.date_of_udyam_registeration</td>\n<td>string</td>\n<td>Udyam registration date</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"latency-metrics\"><strong>Latency Metrics</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Mobile to Udyam Detail</td>\n<td>500–2000 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h1 id=\"status-code\"><strong>Status Code</strong></h1>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n<th>Chargeable</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>400</td>\n<td>Missing Required Parameters</td>\n<td>\"mobile_no\" is missing</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key</td>\n<td>NO</td>\n</tr>\n<tr>\n<td>422</td>\n<td>No Data Found</td>\n<td>No Udyam linked to mobile number</td>\n<td>YES</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Server-side issue</td>\n<td>NO</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","mobile-to-udyam","detail"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"a42146e8-c450-4823-89aa-30bcab737122","name":"No Record Found(422)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"mobile_no\": \"996536XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-udyam/detail"},"status":"Unprocessable Entity (WebDAV) (RFC 4918)","code":422,"_postman_previewlanguage":"Text","header":[{"key":":status","value":422},{"key":"date","value":"Mon, 13 Apr 2026 07:35:56 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"155"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"9b-yumPHjiQh0MGBTnRqAgmcVnRUgs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"status\": \"error\",\n    \"timestamp\": \"2026-04-13T07:35:56.256Z\",\n    \"transaction_id\": \"TXN-PROD-0d2dea1e-cfd1-41cc-8f92-80ea4342d545\",\n    \"error_message\": \"No Record Found\"\n}"},{"id":"7d9da4bd-87e4-4ecd-be83-4bfe352f319b","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n \"mobile_no\": \"913543XXXX\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/mobile-to-udyam/detail"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":":status","value":200},{"key":"date","value":"Mon, 13 Apr 2026 08:43:36 GMT"},{"key":"content-type","value":"application/json; charset=utf-8"},{"key":"content-length","value":"1514"},{"key":"content-security-policy","value":"default-src 'none'; frame-ancestors 'none'; base-uri 'none'; form-action 'none'"},{"key":"x-frame-options","value":"DENY"},{"key":"x-content-type-options","value":"nosniff"},{"key":"strict-transport-security","value":"max-age=31536000; includeSubDomains"},{"key":"referrer-policy","value":"no-referrer"},{"key":"permissions-policy","value":"geolocation=(), camera=(), microphone=(), payment=()"},{"key":"cache-control","value":"no-store"},{"key":"pragma","value":"no-cache"},{"key":"expires","value":"0"},{"key":"vary","value":"Origin"},{"key":"access-control-allow-credentials","value":"true"},{"key":"x-ratelimit-limit","value":"100"},{"key":"x-ratelimit-remaining","value":"99"},{"key":"x-ratelimit-reset","value":"1"},{"key":"etag","value":"W/\"5ea-2s6qmTne3w4/buuvuNtbBGii1yQ\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2026-04-13T08:43:36.590Z\",\n    \"transaction_id\": \"TXN-PROD-a1b2c3d4-1234-5678-9abc-def012345678\",\n    \"status\": \"success\",\n    \"data\": {\n        \"enterprise_name\": \"SHREE BALAJI TEXTILES\",\n        \"organisation_type\": \"Partnership\",\n        \"service_type\": \"Manufacturing\",\n        \"gender\": \"Male\",\n        \"social_category\": \"OBC\",\n        \"date_of_incorporation\": \"15/03/2022\",\n        \"date_of_commencement\": \"20/03/2022\",\n        \"address\": {\n            \"flat_no\": \"UNIT 12A\",\n            \"building\": \"BALAJI INDUSTRIAL ESTATE\",\n            \"village\": \"SECTOR 58\",\n            \"block\": \"INDUSTRIAL AREA\",\n            \"street\": \"MAIN ROAD\",\n            \"district\": \"GURGAON\",\n            \"city\": \"GURGAON\",\n            \"state\": \"HARYANA\",\n            \"pin\": \"122011\"\n        },\n        \"mobile\": \"98*****321\",\n        \"email\": \"BALAJITEXTILES@EXAMPLE.COM\",\n        \"plant_details\": [\n            {\n                \"unit_name\": \"SHREE BALAJI TEXTILES UNIT 1\",\n                \"flat\": \"UNIT 12A\",\n                \"building\": \"BALAJI INDUSTRIAL ESTATE\",\n                \"village\": \"SECTOR 58\",\n                \"block\": \"INDUSTRIAL AREA\",\n                \"road\": \"MAIN ROAD\",\n                \"district\": \"GURGAON\",\n                \"city\": \"GURGAON\",\n                \"state\": \"HARYANA\",\n                \"pin\": \"122011\"\n            }\n        ],\n        \"enterprise_type\": [\n            {\n                \"classification_year\": \"2026-27\",\n                \"enterprise_type\": \"Small\",\n                \"classification_date\": \"01/04/2026\"\n            },\n            {\n                \"classification_year\": \"2025-26\",\n                \"enterprise_type\": \"Micro\",\n                \"classification_date\": \"01/04/2025\"\n            }\n        ],\n        \"nic_code\": [\n            {\n                \"nic_2_digit\": \"13 - Manufacture of textiles\",\n                \"nic_4_digit\": \"1312 - Weaving of textiles\",\n                \"nic_5_digit\": \"13121 - Weaving, manufacture of cotton and cotton mixture fabrics\",\n                \"activity\": \"Manufacturing\",\n                \"date\": \"20/03/2022\"\n            }\n        ],\n        \"dic\": \"GURGAON\",\n        \"msme-dfo\": \"DELHI\",\n        \"date_of_udyam_registeration\": \"25/03/2022\"\n    }\n}"}],"_postman_id":"3ce0b913-307d-43d4-8223-b33a17ecd533"}],"id":"d5af1c8a-3f18-44e3-a2f0-6b422f68b1e0","description":"<h3 id=\"a-collection-of-apis-used-for-validating-and-retrieving-corporate-entity-details-including-gst-information-and-company-registration-data-from-the-ministry-of-corporate-affairs-mca-useful-for-kyc-onboarding-and-compliance-workflows\">A collection of APIs used for validating and retrieving <strong>corporate entity details</strong>, including <strong>GST</strong> information and company registration data from the <strong>Ministry of Corporate Affairs (MCA)</strong>. Useful for KYC, onboarding, and compliance workflows.</h3>\n","auth":{"type":"noauth","isInherited":false},"event":[{"listen":"prerequest","script":{"id":"cb1344b8-bd0c-48ed-950b-7e41568a8627","type":"text/javascript","packages":{},"exec":[""]}},{"listen":"test","script":{"id":"c79c802e-6b2e-4ed3-b66b-ad56030034cd","type":"text/javascript","packages":{},"exec":[""]}}],"_postman_id":"d5af1c8a-3f18-44e3-a2f0-6b422f68b1e0"},{"name":"Passport Verification","item":[{"name":"Passport","id":"dca5c6a6-a4e6-4edb-a000-649115f1bea0","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"dob\": \"2002-1-22\",\n  \"id_number\": \"CHIXX3340254XX11\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/passport/verify","description":"<h2 id=\"introduction\">Introduction</h2>\n<p>The Passport Verification API allows users to validate an Indian Passport file number and retrieve associated details such as passport number, full name, date of birth, application details, and dispatch status.</p>\n<p>This API is useful for KYC compliance, identity verification, travel documentation checks, and onboarding processes where passport information is required.</p>\n<hr />\n<h2 id=\"use-cases\">Use Cases</h2>\n<ul>\n<li><p>Verify if a given passport file number is valid.</p>\n</li>\n<li><p>Retrieve full name, passport number, and date of birth from official records.</p>\n</li>\n<li><p>Track the dispatch status of a passport application.</p>\n</li>\n<li><p>Automate KYC checks for onboarding processes.</p>\n</li>\n<li><p>Reduce fraud by validating genuine passport records.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\">API Details</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Property</th>\n<th>Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- Live: <code>https://live.totalekyc.com/api/kyc/passport/verify</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\">Headers</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body-parameters\">Request Body Parameters</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>dob</code></td>\n<td>String</td>\n<td>Date of birth of the applicant (YYYY-MM-DD).</td>\n</tr>\n<tr>\n<td><code>id_number</code></td>\n<td>String</td>\n<td>Passport File Number provided at the time of application.</td>\n</tr>\n</tbody>\n</table>\n</div><div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>remark</td>\n<td>String</td>\n<td>Optional field for passing client notes, comments, or reference information. This field does not affect validation or processing but will be logged for tracking.</td>\n<td>No</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"response-parameters\">Response Parameters</h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n    \"timestamp\": \"2025-08-20T12:51:17.166Z\",\n    \"transaction_id\": \"TXN-34c690b7-057a-41c5-ad3c-d885cb947981\",\n    \"status\": \"success\",\n    \"data\": {\n        \"statuscode\": 200,\n        \"status\": true,\n        \"message\": \"Success\",\n        \"reference_id\": 70261702,\n        \"data\": {\n            \"client_id\": \"passport_EjnAYpAmGAinfmpGyKnz\",\n            \"file_number\": \"CHI067302542622\",\n            \"passport_number\": \"WXX89XX1\",\n            \"full_name\": \"SOMA SHARMA\",\n            \"dob\": \"2002-1-22\",\n            \"date_of_application\": \"2022-12-21\",\n            \"application_type\": \"Normal\",\n            \"status\": \"Passport W8989821 has been dispatched on 05/01/2023 via  Speed Post Tracking Number PP8404XX5XXIN.\"\n        }\n    }\n}\n\n</code></pre>\n<h3 id=\"field-descriptions\">Field Descriptions</h3>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><code>data.statuscode</code></td>\n<td>Integer</td>\n<td>API response status code.</td>\n</tr>\n<tr>\n<td><code>data.status</code></td>\n<td>Boolean</td>\n<td>Indicates success (<code>true</code>) or failure (<code>false</code>).</td>\n</tr>\n<tr>\n<td><code>data.message</code></td>\n<td>String</td>\n<td>Message describing the response.</td>\n</tr>\n<tr>\n<td><code>data.reference_id</code></td>\n<td>Integer</td>\n<td>Internal reference identifier.</td>\n</tr>\n<tr>\n<td><code>data.data.client_id</code></td>\n<td>String</td>\n<td>Unique client identifier for the passport record.</td>\n</tr>\n<tr>\n<td><code>data.data.file_number</code></td>\n<td>String</td>\n<td>Passport file number submitted in the request.</td>\n</tr>\n<tr>\n<td><code>data.data.passport_number</code></td>\n<td>String</td>\n<td>Official Passport Number issued.</td>\n</tr>\n<tr>\n<td><code>data.data.full_name</code></td>\n<td>String</td>\n<td>Full name of the passport holder.</td>\n</tr>\n<tr>\n<td><code>data.data.dob</code></td>\n<td>String</td>\n<td>Date of birth of the applicant.</td>\n</tr>\n<tr>\n<td><code>data.data.date_of_application</code></td>\n<td>String</td>\n<td>Date when the passport application was filed.</td>\n</tr>\n<tr>\n<td><code>data.data.application_type</code></td>\n<td>String</td>\n<td>Type of application (e.g., Normal, Tatkal).</td>\n</tr>\n<tr>\n<td><code>data.data.status</code></td>\n<td>String</td>\n<td>Dispatch/processing status of the passport.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Passport</td>\n<td>300–800 ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\">Status Codes</h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Status Code</th>\n<th>Error Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>200</strong></td>\n<td>Success</td>\n<td>Request processed successfully.</td>\n</tr>\n<tr>\n<td><strong>400</strong></td>\n<td>Missing Required Parameters</td>\n<td>Required field such as <code>dob</code> or <code>id_number</code> is missing.</td>\n</tr>\n<tr>\n<td><strong>401</strong></td>\n<td>Unauthorized</td>\n<td>Invalid or missing API key in the Authorization header.</td>\n</tr>\n<tr>\n<td><strong>422</strong></td>\n<td>Invalid File Number / DOB</td>\n<td>File number or DOB is invalid or not found in records.</td>\n</tr>\n<tr>\n<td><strong>500</strong></td>\n<td>Internal Server Error</td>\n<td>Server-side issue. Retry or check logs.</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"additional-notes\">Additional Notes</h2>\n<ul>\n<li><p>Always ensure the <strong>Bearer Token</strong> is valid and active.</p>\n</li>\n<li><p>The <code>id_number</code> must be a valid Passport File Number issued during application.</p>\n</li>\n<li><p>Ensure <code>dob</code> matches the date of birth in official records.</p>\n</li>\n<li><p>The response includes both <strong>application details</strong> and <strong>dispatch status</strong>, making it useful for onboarding and verification workflows.</p>\n</li>\n</ul>\n","urlObject":{"path":["api","kyc","passport","verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"37b5047d-6680-46a9-bf6b-2764561623c8","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"dob\": \"2002-1-22\",\n  \"id_number\": \"CHIXX3340254XX11\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/passport/verify"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Wed, 20 Aug 2025 12:51:17 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"537"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"219-CTXQc9sCPsLP7s3Su6n6kQK7t/I\""}],"cookie":[],"responseTime":null,"body":"{\n    \"timestamp\": \"2025-08-20T12:51:17.166Z\",\n    \"transaction_id\": \"TXN-34c690b7-057a-41c5-ad3c-d885cb947981\",\n    \"status\": \"success\",\n    \"data\": {\n        \"statuscode\": 200,\n        \"status\": true,\n        \"message\": \"Success\",\n        \"reference_id\": 70261702,\n        \"data\": {\n            \"client_id\": \"passport_EjnAYpAmGAinfmpGyKnz\",\n            \"file_number\": \"CHI067302542622\",\n            \"passport_number\": \"WXX89XX1\",\n            \"full_name\": \"SOMA SHARMA\",\n            \"dob\": \"2002-1-22\",\n            \"date_of_application\": \"2022-12-21\",\n            \"application_type\": \"Normal\",\n            \"status\": \"Passport W8989821 has been dispatched on 05/01/2023 via  Speed Post Tracking Number PP8404XX5XXIN.\"\n        }\n    }\n}"},{"id":"ff67743e-d159-48d7-ada0-37dc0e37999a","name":"Bad Request(400)","originalRequest":{"method":"POST","header":[{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"},{"key":"Content-Type","value":"application/json"}],"body":{"mode":"raw","raw":"{\n  \"dob\": \"2002-1-22\",\n  \"id_number\": \"CHIXX3340254X11\",\n    \"remark\": \"Optional client note or reference\"\n}\n","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/passport/verify"},"status":"Bad Request","code":400,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Mon, 11 Aug 2025 15:20:43 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"76"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"300"},{"key":"X-RateLimit-Remaining","value":"299"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"4c-+1oKK8/CbL2jjBXu7u+shUd2RUs\""}],"cookie":[],"responseTime":null,"body":"{\n    \"message\": \"Invalid Input id_number\",\n    \"error\": \"Bad Request\",\n    \"statusCode\": 400\n}"}],"_postman_id":"dca5c6a6-a4e6-4edb-a000-649115f1bea0"}],"id":"c80df738-e74a-4ee8-a674-ff7d806930fd","_postman_id":"c80df738-e74a-4ee8-a674-ff7d806930fd","description":""},{"name":"Occupation Verification","item":[{"name":"Doctor Verify","id":"acd42fa1-88e8-418e-b0ed-ddcc008853c8","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"auth":{"type":"bearer","bearer":{"basicConfig":[{"key":"token","value":"YOUR_BEARER_TOKEN"}]},"isInherited":false},"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"requestId\" : \"XXX72\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/occuption/doctor-verify","description":"<h2 id=\"introduction\"><strong>Introduction</strong></h2>\n<p>The <strong>Doctor API</strong> retrieves medical practitioner details using inputs like registration number, name, and/or state council. It helps validate professional credentials and enhances background verification and onboarding workflows for healthcare platforms and employers.</p>\n<hr />\n<h2 id=\"use-cases\"><strong>Use Cases</strong></h2>\n<ul>\n<li><p><strong>Doctor Credential Verification</strong>: Validate medical registration status via official council data.</p>\n</li>\n<li><p><strong>Healthcare Onboarding</strong>: Seamless registration of doctors on healthcare portals.</p>\n</li>\n<li><p><strong>Fraud Prevention</strong>: Detect impersonation or false qualifications in medical staff onboarding.</p>\n</li>\n</ul>\n<hr />\n<h2 id=\"api-details\"><strong>API Details</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td><strong>Base URL</strong></td>\n<td>- <strong>Production</strong>: <code>https://live.totalekyc.com/api/doctor-verification</code></td>\n</tr>\n<tr>\n<td><strong>HTTP Method</strong></td>\n<td>POST</td>\n</tr>\n<tr>\n<td><strong>Authentication</strong></td>\n<td>Bearer Token (passed in headers)</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"headers\"><strong>Headers</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Header Name</th>\n<th>Value Format</th>\n<th>Required</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Authorization</td>\n<td>Bearer</td>\n<td>Yes</td>\n</tr>\n<tr>\n<td>Content-Type</td>\n<td>application/json</td>\n<td>Yes</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"request-body\"><strong>Request Body</strong></h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">{\n \"id_number\" : \"XXXX32\"\n}\n\n</code></pre>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Parameter</th>\n<th>Type</th>\n<th>Description</th>\n<th>Example Value</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>registrationNumber</td>\n<td>String</td>\n<td>Doctor's registration/license number</td>\n<td>\"123456\"</td>\n</tr>\n<tr>\n<td>name</td>\n<td>String</td>\n<td>Full name of the doctor (optional)</td>\n<td>\"Dr. Rakesh Kumar\"</td>\n</tr>\n<tr>\n<td>stateCouncil</td>\n<td>String</td>\n<td>State medical council (optional)</td>\n<td>\"Delhi Medical Council\"</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"example-request-curl\"><strong>Example Request (cURL)</strong></h2>\n<pre class=\"click-to-expand-wrapper is-snippet-wrapper\"><code class=\"language-json\">POST https://uat.totalekyc.com/api/doctor-verification \\\n  -H \"Authorization: Bearer &lt;your_token&gt;\" \\\n  -H \"Content-Type: application/json\" \\\n  -d '{\n    \"id_number\": \"XXX23\"\n}'\n\n</code></pre>\n<hr />\n<h2 id=\"response-parameters\"><strong>Response Parameters</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Key</th>\n<th>Type</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>data.name</td>\n<td>String</td>\n<td>Doctor’s full name</td>\n</tr>\n<tr>\n<td>data.registrationNumber</td>\n<td>String</td>\n<td>Registered license number</td>\n</tr>\n<tr>\n<td>data.registrationDate</td>\n<td>String (YYYY-MM-DD)</td>\n<td>Date of registration</td>\n</tr>\n<tr>\n<td>data.validity</td>\n<td>String</td>\n<td>Status of registration (Active/Inactive)</td>\n</tr>\n<tr>\n<td>data.qualifications</td>\n<td>Array</td>\n<td>List of qualifications (MBBS, MD, etc.)</td>\n</tr>\n<tr>\n<td>data.stateCouncil</td>\n<td>String</td>\n<td>Registered state medical council</td>\n</tr>\n<tr>\n<td>data.councilAddress</td>\n<td>String</td>\n<td>Council's address</td>\n</tr>\n<tr>\n<td>data.specialization</td>\n<td>String</td>\n<td>Medical specialization (if available)</td>\n</tr>\n<tr>\n<td>data.contactInfo</td>\n<td>Object</td>\n<td>Contact details if available</td>\n</tr>\n<tr>\n<td>data.contactInfo.phone</td>\n<td>String</td>\n<td>Phone number</td>\n</tr>\n<tr>\n<td>data.contactInfo.email</td>\n<td>String</td>\n<td>Email address</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"latency-metrics\"><strong>Latency Metrics</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>API Call</th>\n<th>Average Latency</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>Doctor API</td>\n<td>700–1500ms</td>\n</tr>\n</tbody>\n</table>\n</div><hr />\n<h2 id=\"status-codes\"><strong>Status Codes</strong></h2>\n<div class=\"click-to-expand-wrapper is-table-wrapper\"><table>\n<thead>\n<tr>\n<th>Code</th>\n<th>Message</th>\n<th>Description</th>\n</tr>\n</thead>\n<tbody>\n<tr>\n<td>200</td>\n<td>Success</td>\n<td>Request processed successfully</td>\n</tr>\n<tr>\n<td>204</td>\n<td>No Content</td>\n<td>No matching doctor found</td>\n</tr>\n<tr>\n<td>422</td>\n<td>Bad Request</td>\n<td>Invalid or missing parameters</td>\n</tr>\n<tr>\n<td>403</td>\n<td>Unauthorized</td>\n<td>Invalid or missing Bearer token</td>\n</tr>\n<tr>\n<td>500</td>\n<td>Internal Server Error</td>\n<td>Unexpected issue; check logs</td>\n</tr>\n</tbody>\n</table>\n</div>","urlObject":{"path":["api","kyc","occuption","doctor-verify"],"host":["https://live.totalekyc.com"],"query":[],"variable":[]}},"response":[{"id":"ec8028a1-3727-46cf-8953-86af64efe9fc","name":"Successful (200)","originalRequest":{"method":"POST","header":[{"key":"Content-Type","value":"application/json"},{"key":"Authorization","value":"Bearer YOUR_BEARER_TOKEN"}],"body":{"mode":"raw","raw":"{\n    \"id_number\" : \"XXX72\",\n    \"remark\": \"Optional client note or reference\"\n}","options":{"raw":{"language":"json"}}},"url":"https://live.totalekyc.com/api/kyc/occuption/doctor-verify"},"status":"OK","code":200,"_postman_previewlanguage":"Text","header":[{"key":"Server","value":"nginx/1.26.3"},{"key":"Date","value":"Tue, 29 Jul 2025 08:07:59 GMT"},{"key":"Content-Type","value":"application/json; charset=utf-8"},{"key":"Content-Length","value":"3484"},{"key":"Connection","value":"keep-alive"},{"key":"X-Powered-By","value":"Express"},{"key":"Access-Control-Allow-Origin","value":"*"},{"key":"X-RateLimit-Limit","value":"100"},{"key":"X-RateLimit-Remaining","value":"99"},{"key":"X-RateLimit-Reset","value":"1"},{"key":"ETag","value":"W/\"d9c-2eTkumgCBmPFYLbXtlqKnK1eH+k\""}],"cookie":[],"responseTime":null,"body":"{\n  \"timestamp\": \"2025-07-29T08:07:59.538Z\",\n  \"transaction_id\": \"TXN-a7d7aac0-03c6-487a-8ee6-68eb6b445723\",\n  \"status\": \"success\",\n  \"data\": [\n    {\n      \"yearInfo\": 1986,\n      \"regDate\": \"14/07/1986\",\n      \"doctorId\": 393383,\n      \"firstName\": \"Nayak Upendra\",\n      \"emailId\": \"upendra.nayak@example.com\",\n      \"bloodGroup\": \"O+\",\n      \"parentName\": \"Sh. Suresh Nayak\",\n      \"birthDateStr\": \"10/03/1950\",\n      \"birthPlace\": \"Sambalpur\",\n      \"doctorDegree\": \"MBBS\",\n      \"university\": \"U.Sambalpur\",\n      \"yearOfPassing\": \"1971\",\n      \"smcId\": 16,\n      \"registrationNo\": \"56672\",\n      \"smcName\": \"Maharashtra Medical Council\",\n      \"address\": \"Vill. Pukuda Bandemal P. O. Fashimal Distt. Sambalpur, Orissa\",\n      \"monthandyearOfPass\": \"1971\",\n      \"altphone\": \"9876543210\",\n      \"landLineNo\": \"0663-2251234\"\n    },\n    {\n      \"yearInfo\": 1995,\n      \"regDate\": \"12/09/1995\",\n      \"doctorId\": 176308,\n      \"firstName\": \"SUBRAMANIYAN, RAJU\",\n      \"emailId\": \"raju.subramaniyan@example.com\",\n      \"bloodGroup\": \"A+\",\n      \"parentName\": \"Sh. R Raju\",\n      \"birthDateStr\": \"01/01/1968\",\n      \"birthPlace\": \"Trichy\",\n      \"doctorDegree\": \"M.B.B.S.\",\n      \"university\": \"Dr. MGR University of Medical Sciences\",\n      \"yearOfPassing\": \"1995\",\n      \"smcId\": 21,\n      \"registrationNo\": \"56672\",\n      \"smcName\": \"Tamil Nadu Medical Council\",\n      \"address\": \"1/1, North Street, Kavulpalayam, Perambalur, Trichy - 621703\",\n      \"monthandyearOfPass\": \"1995\",\n      \"altphone\": \"9898989898\",\n      \"landLineNo\": \"04328-123456\"\n    },\n    {\n      \"yearInfo\": 2000,\n      \"regDate\": \"28/08/2000\",\n      \"doctorId\": 526982,\n      \"firstName\": \"Punith Prabha Mercy Devdatt\",\n      \"emailId\": \"punith.dev@example.com\",\n      \"bloodGroup\": \"B+\",\n      \"parentName\": \"Devdatt\",\n      \"birthDateStr\": \"15/04/1977\",\n      \"birthPlace\": \"Hubli\",\n      \"doctorDegree\": \"MBBS\",\n      \"university\": \"U.Karnataka\",\n      \"yearOfPassing\": \"2000\",\n      \"smcId\": 13,\n      \"registrationNo\": \"56672\",\n      \"smcName\": \"Karnataka Medical Council\",\n      \"address\": \"Plot No. 20, 1st Floor, Deenabanchu Colony, Karwar Road, Hubli - 580029\",\n      \"monthandyearOfPass\": \"2000\",\n      \"altphone\": \"9834567890\",\n      \"landLineNo\": \"0836-2233445\"\n    },\n    {\n      \"yearInfo\": 2001,\n      \"regDate\": \"16/01/2001\",\n      \"doctorId\": 559570,\n      \"firstName\": \"Sinha Mrinmoy\",\n      \"emailId\": \"mrinmoy.sinha@example.com\",\n      \"bloodGroup\": \"AB+\",\n      \"parentName\": \"Sh. Amal Sinha\",\n      \"birthDateStr\": \"20/06/1975\",\n      \"birthPlace\": \"Krishnagar\",\n      \"doctorDegree\": \"MBBS\",\n      \"university\": \"U.Calcutta\",\n      \"yearOfPassing\": \"2000\",\n      \"smcId\": 25,\n      \"registrationNo\": \"56672\",\n      \"smcName\": \"West Bengal Medical Council\",\n      \"address\": \"Darjee Para, P.O. 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