Unified Lending Interface API Connect Lending Workflows Through Standardized APIs
Integrate lending-related verification, eligibility, financial-data, asset, and documentation services through standardized APIs designed for digital lending workflows.
End-to-End Flow
Initiate Lending Request
Identify Required Service
Authenticate & Authorize
Route the API Request
Process the Data
Receive Standardized Response
Apply Lending Rules
Continue the Loan Journey
Key Capabilities
Identity Verification
Access identity-related services required during customer onboarding and KYC workflows.
Income Verification
Integrate income-related services into borrower assessment and underwriting workflows.
Credit Eligibility
Connect with credit and eligibility services available through the platform.
Asset Verification
Access services for verifying assets such as vehicles and property-related information.
Standardized Integration
Use a common API integration layer instead of building separate bilateral integrations for every service provider.
Multiple Service Providers
Access services from multiple providers through the ULI ecosystem. RBIH describes the platform as connecting lenders to multiple providers for each data service.
Documentation Services
Support digital lending workflows involving documentation execution and related services.
Loan Lifecycle Support
ULI is designed to support stages across the lending lifecycle, including identity verification, eligibility, application, and disbursement.
Use Cases
Digital Lending
Build automated lending journeys by connecting verification and financial-data services to loan applications.
Banks & NBFCs
Financial institutions can use standardized services to connect different verification and lending capabilities.
Fintech Lending Platforms
Fintech platforms can use API-based services to build digital lending experiences.
Developer Experience
One Integration Layer for Multiple Lending Services
ULI platform APIs require lender onboarding and platform-level configuration. RBIH documentation states that API access involves IP and URL whitelisting, platform credentials, service subscription, and JWT token generation.
Suggested Request
{
"request_id": "ULI-100001",
"service_type": "INCOME_VERIFICATION",
"customer": {
"pan": "ABCDE1234F"
}
}Suggested Response
{
"request_id": "ULI-100001",
"status": "SUCCESS",
"service_type": "INCOME_VERIFICATION",
"data": {
"income_status": "VERIFIED",
"income_type": "SALARY"
}
}
Related APIs
Frequently Asked Questions
What is the Unified Lending Interface (ULI)?
ULI is a digital lending infrastructure platform developed by RBIH that provides standardized APIs for services used throughout lending workflows. RBIH describes it as a universal API gateway for end-to-end loan journeys.
What services are available through ULI?
The ULI service catalogue currently includes categories such as: Credit eligibility Asset verification Identity verification Income verification Value-added services Documentation execution ULI authentication RBIH's current service catalogue lists more than 100 services across these categories.
Who can use ULI APIs?
ULI platform APIs are available to lenders that have been onboarded to the ULI platform. Individual API services require separate subscriptions for the relevant environment.
Can ULI support loan underwriting?
ULI provides services that can supply identity, income, credit, asset, and other information used within lending workflows. The actual underwriting decision remains with the lender and its own credit policies.
Can ULI APIs be used for KYC?
ULI's service catalogue includes identity-verification services that can form part of a lender's KYC and customer-verification workflow.
Does ULI provide credit bureau services?
The current ULI service catalogue includes credit-bureau services from providers such as CIBIL, CRIF, Experian, and Equifax.
Does ULI support income verification?
Yes. Income verification is one of the service categories listed in the current ULI catalogue.
Does ULI support asset verification?
Yes. Asset verification is another major category in the current ULI service catalogue.
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