Read Loan Against Mutual Funds Offers | Credit Platform | Documentation

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

{
  "request_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "correlation_id": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
  "timestamp": "1970-01-01T00:00:00.000Z",
  "data": {
    "status": "OFFERED",
    "lenders": {
      "DSP Finance": {
        "offers": [
          {
            "consentHandleAvailable": false,
            "status": "OFFER_RECEIVED",
            "offerID": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
            "productType": "LAMF",
            "facilitytype": "CREDIT_LINE",
            "sanctionedLimit": "1100000.00",
            "renewalFrequency": "YEARLY",
            "repaymentFrequency": "MONTHLY",
            "repaymentType": "INTEREST_ONLY",
            "annualPercentageRate": "5.00",
            "interestRate": "12.00",
            "offerTerm": "12 months",
            "processingFee": "1100.00",
            "applicationFee": "1000.00",
            "offerValidity": "15 days",
            "ondcTransactionID": "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx",
            "pledgeRequirements": [
              {
                "rta": "KFIN",
                "amcCode": "ICICIPRU",
                "schemeCode": "44121",
                "folioID": "XTR98234",
                "unitsRequired": "75"
              }
            ],
            "offerSignals": {
              "offerType": "FINAL_OFFER",
              "fulfillmentJourneyType": "FULLY_DIGITAL_STP",
              "conversionChance": "VERY_HIGH"
            }
          }
        ]
      }
    },
    "journeyID": "journey_lamf_001",
    "polling": {
      "shouldPoll": true,
      "lastPoll": "1970-01-01T00:00:20.000Z",
      "nextPoll": "1970-01-01T00:00:30.000Z"
    }
  },
  "error": null
}

Read-only API-key call. Poll this endpoint using data.polling.nextPoll until selectable Loan Against Mutual Funds offers, NOT_OFFERED, or data.polling.shouldPoll = false is returned. LAMF responses support Credit Line and Term Loan offers. Lender groups intentionally do not include minimumLoanAmount or maximumLoanAmount. Calls before nextPoll can return 429 with OFFER_POLL_RATE_LIMITED. Calls made before a recent Start Journey request finishes initializing can return 429 with HYBRID_JOURNEY_NOT_READY and data.polling.shouldPoll = true.

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.

Response

Current Hybrid Loan Against Mutual Funds offer state.

request_idstring

correlation_idstring

timestampdatetime

dataobject

Current Hybrid Loan Against Mutual Funds offer state. Supports Credit Line and Term Loan LAMF products.

errorany

Errors

401

Unauthorized Error

404

Not Found Error

429

Too Many Requests Error

500

Internal Server Error

Authentication

Path parameters

Headers

Response

Errors