post
https://uat-gateway.datasignstech.com/lead/lead
API allows partners to submit customer details and initiate a loan application in Our system. This is the first step in the loan process, enabling MyShubhLife to evaluate the customer's eligibility
Recent Requests
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| Time | Status | User Agent | |
|---|---|---|---|
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Register a new lead (points to be noted)
-
Mandatory Fields
The mandatory fields required to create a Lead will be shared and communicated by the MSL product team. -
Lead Validity
A Lead, when created, will have an independent validity of 30 days.
The activeness of a Lead is dependent on the activeness of the Application or Loan mapped to it. -
Validity Conditions Based on Application and Loan Status
Status Validity
Lead created, Yet to create Application 30 days
Application created, Yet to be Approved 25 days
Application Approved, Yet to be Sanctioned 20 days
After Loan Sacntioned Validity depends on Loan activeness
- Expiry Conditions
If a Lead, Application, or Loan expires, all associated information for that Lead will be removed from the system.
Sample payload
{
"product": "TERM_LOAN::TL_PARTNER_EDI",
"isTopUp": false,
"profileData": {
"name": "Applicant Name",
"referenceId": "referrenceID",
"email": "[email protected]",
"mobile": "9914030037",
"panNumber": "CRSPM7713C",
"dob": 668111400000,
"gender": "male",
"education": "Gradute, Post Graduate",
"socialCategory": "GENERAL / OBC / SC / ST",
"motherName": "Mother Name",
"workExperienceMonths": 12,
"address": {
"house": "Village danwar",
"street": "Jessore rd",
"pincode": "201001",
"locality": "Bihar",
"landmark": "Durga mandir"
},
"workAddress": {
"house": "109, Street Number 6, Akbarpur,",
"street": "Ghaziabad, UP, 201009",
"pincode": "201001",
"locality": "Central Delhi",
"landmark": "Near to JC church"
},
"employeeId": "Merchant ID",
"currentEmployer": "Shop Name",
"resTenure":692476200000,
"residentType": "Owned / Rented / Leased / Other",
"incorporationDate":692476200000,
"businessSector": "Service / Manufacturing",
"businessTenure":692476200000,
"businessPropertyType": "Owned / Rented / Leased / Other",
"employeeCount": 7,
"workUdyamNumber": "32861764561184yufgyf75",
"workGSTIN": "23GSTPS4235XJCY",
"referenceNumber": "9963646586",
"referenceName": "Name",
"financeBasicInfo": {
"netMonthlyIncome": 12000,
"employmentType": "SELF_EMPLOYED"
},
"bankAccounts": [
{
"beneficiaryName": "Account Holder Name",
"ifsc": "SBIN0000001",
"accountNumber": "123456789",
"purposeType": "NACH / DISBURSAL"
}
],
"loanRequest": {
"amount": 50000,
"tenure": 6,
"interestRate": 50,
"processingFeePct": 5,
"purpose": "Other"
}
},
"acquisitionPlatformData": {
"loanSegment": "REGULAR/PARTNER_REPEAT",//Flavour
"isPremiumEDI":"true",
"segmentBand": "R1", //Risk Segment
"alternateSegmentBand": "R1", //Fallback risk segment
"isCpvRequired":"true",// Flag CPV
"pincodeSegment": "YELLOW", //Pincode Category
"tpv": 12000, // Average Throughput value over a period
"netFreeIncome": 30000,
"vintageMonths": 3, // Relationship with the aggregator
"activenessCount": 10, // Active days count over a period
"activenessCountBucket": "15-17", // Active days range
"activenessPeriod": 90, // Active days duration
"isActiveTransactor": true, // Active days threshold met
"isGoodTransactor": true, // Percentage of merchants contributing to the TPV
"transactionData": {
"M1": { "amount": 2677805 },
"M2": { "amount": 324415 },
"M3": { "amount": 2677805 },
"M4": { "amount": 324415 },
"M5": { "amount": 2677805 },
"M6": { "amount": 324415 }
"extIntPltRatio": 0.2,
"extIntPltRatioReason": "Festival season",
"smsTpv": 10000,
"smsTpvMultiplier": 0.5
}
}
},
"udyamRegistrationFields": {
"enterpriseName": "Shop Name",
"socialCategory": "SC",
"residentialAddressLine": "ChinnaSwamay, Queens Rd",
"residentialCity": "Bangalore",
"residentialState": "Karnataka",
"residentialDistrict": "Bangalore",
"residentialPincode": "560040",
"typeOfOrganization": "Proprietory",
"businessAddressLine": "Nova Miller Rd",
"businessCity": "Bangalore",
"businessState": "Karnataka",
"businessDistrict": "Bangalore",
"businessPincode": "560040",
"businessSector": "Service",
"bsrCode": "56765abc",
"noOfEmployees": 5
}
}
Validations & Mapping:
All the data sent in the request should be valid data otherwise the API will respond with errors stating each of the fields' expected value.
| Section | Field | Validation | Mandatory/ Optional |
|---|---|---|---|
| profileData | name | Can’t be blank or null. The length can’t exceed 250 characters as of now | Optional |
| A valid Email Id | Mandatory/ Optional | ||
| panNumber | A valid PanNumber | Mandatory / Optional | |
| gender | "male" "female" "transgender" | Mandatory | |
| fatherOrSpouseName | Can’t be blank or null. The length can’t exceed 250 characters as of now. | Optional | |
| mobile | A valid 10 digit mobile number | Mandatory | |
| residentType | "Rented" "Leased" "OwnHouse" "PG" "CompanyHouse" | Optional | |
| Address | house | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{1,60})$" | Mandatory |
| street | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| pincode | String (Should be a valid 6 digit pincode) | Mandatory | |
| locality | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| landmark | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| permAddress | house | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{1,60})$" | Optional |
| street | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Optional | |
| pincode | String (Should be a valid 6 digit pincode) | Optional | |
| locality | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Optional | |
| landmark | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Optional | |
| workAddress | house | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{1,60})$" | Mandatory |
| street | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| pincode | String (Should be a valid 6 digit pincode) | Mandatory | |
| locality | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| landmark | "^([a-zA-z0-9 . # @ & ( ) / , . : ' < > - , \s]{3,60})$" | Mandatory | |
| resTenure | Valid current address residence tenure (timestamp in milliseconds) | Optional | |
| education | "Class 7 or below" "Class 8 to Class 11" "Class 12 or Diploma" "Graduate or Post Graduate" | Optional | |
| currentEmployer | Name of the company | Mandatory | |
| employeeId | Valid Employee's ID number | Mandatory | |
| workExperienceMonths | Upto 480 months (Int field) | Mandatory | |
| loanRequest | amount | Required loan amount (int field) (less than 4,00,000) | Mandatory |
| tenure | Required tenure in months (int field) | Mandatory | |
| purpose | "Rental Deposit" "Medical" "Electronics" "Marriage" "Repay old loan" "Education" "Vehicle Purchase" "New Business" "Other" | Mandatory | |
| financeBasicInfo | netMonthlyIncome | > = 12000 | Mandatory |
| employmentType | "SELF_EMPLOYED" | Mandatory | |
| references | referenceRelation | "FAMILY" "FRIEND" | Optional |
| referenceName | ^[A-Za-z\s. ]{1,}$' | Mandatory | |
| referenceMobile | A valid 10 digit mobile number. | Mandatory | |
| referenceEmail | A valid Email Id. | Optional | |
| bankAccounts | accountNumber | Valid bank account number | Mandatory |
| ifsc | ^[A-Z]{4}0[A-Z0-9]{6}$' | Mandatory | |
| purposeType | "NACH" "DISBURSAL" | Optional | |
| acquisitionPlatformData | loanSegment | "REGULAR" / "TOPUP"/ "REPEAT" | Mandatory |
| segmentBand | "R1" /"R2" / "R3" | Mandatory | |
| pincodeSegment | "YELLOW" / ""GREEN" / "RED" | Mandatory | |
| tpv | Int | Mandatory | |
| netFreeIncome | int | Mandatory / Optional | |
| vintageMonths | Int | Mandatory | |
| activenessCount | Int | Mandatory | |
| activenessCountBucket | "string" | Optional | |
| activenessPeriod | Int | Mandatory | |
| isGoodTransactor | True / False | Optional | |
| isActiveTransactor | True / False | Mandatory | |
| last_3_months_total_no_of_active_days | Int | Optional | |
| transactionData | |||
| ProfileData | businessSize | "MICRO" "SMALL" "MEDIUM" | Mandatory |
| businessSector | "SERVICE" "MANUFACTURING" | Mandatory | |
| industry | "HEALTHCARE AND WELLNESS" "FOOD AND BEVERAGES" "AGRICULTURE" "SERVICE AND UTILITIES" "TRAVEL" "COMMUTE" "RETAIL AND SHOPPING" "FINANCIAL SERVICES" "CURRENCY, COINS AND PRECIOUS METALS" "GROCERY AND DAILY NEEDS" "FUEL" "ENTERTAINMENT" "ART AND ANTIQUES" "HOSPITALITY" "OTHERS" | Mandatory | |
| udyamRegistrationFields | enterpriseName | "String" | Mandatory |
| socialCategory | "String" | Mandatory | |
| residentialAddressLine | "Float" | Mandatory | |
| residentialCity | "String" | Optional | |
| residentialState | "String" | Optional | |
| residentialDistrict | "String" | Optional | |
| residentialPincode | Int | Mandatory | |
| typeOfOrganization | "String" | Mandatory | |
| businessAddressLine | "Float" | Mandatory | |
| businessCity | "String" | Mandatory | |
| businessState | "String" | Mandatory | |
| businessDistrict | "String" | Mandatory | |
| businessPincode | Int | Mandatory | |
| businessSector | "String" | Mandatory | |
| bsrCode | Int | Mandatory | |
| noOfEmployees | Int | Mandatory | |
| AadhaarNumber | Int | Mandatory |