Read Loan Against Mutual Funds Offer And Hand-Off URL | Credit Platform | Documentation

curl -G https://credit.aarthiklabs.com/api/v1/hybrid/loan-against-mutual-funds/borrowers/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/journey/offers/xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx/hosted \
     -H "x-correlation-id: xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx" \
     -H "Authorization: Bearer <token>" \
     -d journeyID=xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx \
     -d isOfferAccepted=true

{
  "request_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "correlation_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "timestamp": "1970-01-01T00:00:00.000Z",
  "data": {
    "hosted_url": "https://credit.aarthiklabs.com/lab/handoff?handoff=xxXxxX0x0x...#bt_test_xxx000",
    "expires_at": "1970-01-01T00:15:00.000Z",
    "target_offer_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
    "target_journey_id": "journey_lamf_001",
    "journey": {
      "id": "journey_lamf_001",
      "endUse": "businessExpansion",
      "bureauConsent": true,
      "ondc_transaction_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
      "type": "LAMF_LOAN",
      "status": "OFFERED",
      "kyc_status": "PENDING",
      "kyc_attempts": 0,
      "emandate_status": "PENDING",
      "emandate_attempts": 0,
      "esign_status": "PENDING",
      "esign_attempts": 0,
      "lender": {
        "id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
        "lender_name": "DSP Finance",
        "lender_gro_name": "ONDC",
        "lender_gro_email": "lifeline@ondc.com",
        "lender_gro_contact_number": "1860 266 7766",
        "lender_gro_designation": "Nodal Grievance Redressal Officer",
        "lender_gro_address": "One Indiabulls Centre, Mumbai",
        "lender_customer_support_link": "https://buy.ondc.org/buy/GrievanceRedStep.htm?execution=e1s1",
        "lender_customer_support_contact_number": "1800 1080",
        "lender_customer_support_email": "customer.care@ondc.com"
      },
      "offer": {
        "id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
        "accepted": false,
        "expired": false,
        "productType": "LAMF",
        "facilitytype": "CREDIT_LINE",
        "sanctionedLimit": "1100000.00",
        "renewalFrequency": "YEARLY",
        "repaymentFrequency": "MONTHLY",
        "repaymentType": "INTEREST_ONLY",
        "annualPercentageRate": "5.00",
        "interestRate": "12.00",
        "interestType": "FLOATING",
        "offerTerm": "12 months",
        "processingFee": "1100.00",
        "applicationFee": "1000.00",
        "offerValidity": "15 days",
        "coolOffPeriod": "3 days",
        "termsAndConditionsLink": "https://example.com/tnc.pdf",
        "keyFactsStatementLink": "https://example.com/kfs.pdf",
        "pledgeRequirements": [
          {
            "rta": "KFIN",
            "amcCode": "ICICIPRU",
            "schemeCode": "44121",
            "folioID": "XTR98234",
            "unitsRequired": "75"
          }
        ],
        "offerSignals": {
          "offerType": "FINAL_OFFER",
          "fulfillmentJourneyType": "FULLY_DIGITAL_STP",
          "conversionChance": "VERY_HIGH"
        }
      }
    }
  },
  "error": null
}

Backend-only API-key call. Use after the borrower selects a Loan Against Mutual Funds Credit Line or Term Loan offer in your UI. The selected lender’s server configuration controls acceptance; the deprecated isOfferAccepted value is ignored. Server-enabled acceptance remains supported only for online single-redirection LAMF journeys, while a disabled policy returns the pre-acceptance pledge/offer path. Inspect offer_acceptance.requested, applied, and mode. Supported pending and terminal states return a fresh Hosted continuation URL instead of requiring API polling. Unsupported modes remain HYBRID_HOSTED_STAGE_UNSUPPORTED. LAMF handoff responses do not expose minimumLoanAmount or maximumLoanAmount.

Authentication

AuthorizationBearer

Send Authorization: Bearer <PLATFORM_API_KEY> from a trusted back-end.

Path parameters

borrowerProviderIDstringRequired1-128 characters

Stable borrower identity from the partner system. Keep a 1:1 mapping between the borrower and borrowerProviderID across sessions and application attempts to preserve resume, history, and post-disbursal continuity.

offerIDstringRequired>=1 character

Offer identifier returned in data.lenders.<lenderName>.offers[].offerID.

Query parameters

journeyIDstringOptional>=1 character

Journey ID returned as data.journey.id by Start. Send this on Offers and Hosted handoff calls to continue the intended application attempt. The journey_id query parameter and x-aarthiklabs-journey-id header aliases are also accepted. If more than one alias is sent, all values must match.

isOfferAcceptedstringOptionalDeprecated

Deprecated compatibility parameter. Its value is ignored; Aarthik Labs server configuration determines the effective offer-acceptance decision.

Response

Legacy LAMF Hosted entrypoint, or supported opt-in single-redirection acceptance state.

request_idstring

correlation_idstring

timestampdatetime

dataobject

errorany

Errors

400

Bad Request Error

401

Unauthorized Error

404

Not Found Error

409

Conflict Error

429

Too Many Requests Error

500

Internal Server Error

Authentication

Path parameters

Headers

Query parameters

Response

Errors