API Reference
Every LOAN4BANK v1 endpoint. Click any card for the full docs page — params, response schema, sample request/response, errors, and rate limits.
Composite 0–1000 financial-health score computed from income, EMI load, savings rate, and credit-history age. Purely computed — no bureau pull.
/api/marketplace/v1/financial-health-scoreInstant loan eligibility using FOIR (Fixed Obligation to Income Ratio) — the same standard Indian banks and NBFCs use.
/api/marketplace/v1/loan-eligibilityStandard amortising EMI + a full month-by-month repayment schedule.
/api/marketplace/v1/emi-calculatorLive gold-price-linked loan sanction — 22K / 24K, up to 75% LTV.
/api/marketplace/v1/digital-gold-loanPAN + Aadhaar validation, name match, DOB match, address parsing. All persistence is masked — full PAN / Aadhaar never leaves the vault.
/api/marketplace/v1/kyc-verificationPrequalify + route insurance leads to 12+ partner insurers with best-fit pricing.
/api/marketplace/v1/insurance-leadPredicted CIBIL-style score using behavioural inputs — no bureau hit.
/api/marketplace/v1/credit-score-checkInstant serviceability check across L4B's 12,000+ pincode footprint (branch, cutoff, region).
/api/marketplace/v1/pincode-serviceabilityTrigger a digital 24K-gold gift for an employee or customer. Powered by L4B Labs + OroPocket — India's trusted digital-gold infrastructure. 0.25% platform fee + 18% GST on fee only, no setup costs, no per-seat fees. Perfect for HRMS, employee-engagement, loyalty and CRM systems.
/api/marketplace/v1/corporate/gift-goldThe LOAN4BANK API reference at a glance
The LOAN4BANK API reference documents every v1 endpoint the platform exposes — from Financial Health Score and Loan Eligibility to KYC, EMI, Credit Score, Insurance Lead, Digital Gold, Pincode Serviceability, Corporate Rewards and the marketplace's core commerce APIs. Every card on this page links to a dedicated docs surface with the full request schema, response schema, complete list of error codes, rate-limit rules, sample curl / JavaScript / Python / PHP / Java / Go snippets, and a live playground you can execute against your sandbox key without leaving the page.
APIs are grouped by category so that engineering teams can navigate straight to the surface they own — Origination, Servicing, Payments, Identity, Rewards and Analytics. Within each category, the endpoint order reflects the natural progression of a customer journey: for example, in Origination you'll find EMI Calculator (top-of-funnel), Loan Eligibility (qualification), Credit Score (underwriting) and Loan Marketplace Apply (commit) in that order. Use the search box above to jump directly to an endpoint by name, path or a keyword in its overview.
Every endpoint on this page is versioned, plan-gated and rate-limited. Version numbers stay stable within a MAJOR release; MINOR bumps add optional fields and new endpoints without breaking existing consumers. The plan gate (Free / Starter / Growth / Enterprise) is shown as a pill on each card so you always know before integrating whether an endpoint is available on your current plan. Rate limits scale with the plan tier — sandbox stays at 60 requests per minute burst, live starts at 300 rpm on Starter and reaches 3,000 rpm on Enterprise. You can inspect the exact remaining quota on any response using the X-RateLimit-Remaining and X-RateLimit-Reset headers.
Frequently asked questions
How many APIs does LOAN4BANK expose today?
Are LOAN4BANK APIs versioned?
Which LOAN4BANK APIs are free on the sandbox?
Where do I see the exact request and response schema for an endpoint?
How can I test the LOAN4BANK API without writing any code?
Looking for a specific endpoint by keyword? Press ⌘K (or Ctrl+K) anywhere on the developer portal to open the docs command palette and search across every endpoint, guide and changelog entry.