Create A Journey — Loans Against Mutual Funds
Backend-only API-key call. The platform creates or resumes a single-stream Hybrid Loan Against Mutual Funds (LAMF) journey for the borrower, stores the supplied profile prefill, and starts the offer-fetch pipeline. borrowerProviderID is client-scoped and must remain stable for the same mobile number across all sessions.
LAMF follows the Personal Loan-style start payload and additionally accepts optional buyer-supplied Mutual Fund Central data in the top-level mfc object. The mfc object is intentionally free-form; buyer apps can pass the MFC payload in the shape they receive or maintain internally. Optional buyer-supplied bureau data is still accepted through the top-level bureau object. When bureau is provided, journey.bureauConsent must be true.
The API remains one LAMF stream. The Credit Line and Term Loan tabs below show the optional loanPreferences.productType and loanPreferences.facilitytype values buyer apps can send when the borrower has selected or expressed a facility preference.
Authentication
Send Authorization: Bearer <PLATFORM_API_KEY> from a trusted back-end.
Path parameters
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.
Headers
Optional caller-supplied trace identifier. When omitted, the API generates one and mirrors it as correlation_id.
Request
Optional credit product discriminator. Omit it or send LAMF_LOAN on the Loan Against Mutual Funds Hybrid path.
Optional complete bank prefill. This snake_case shape is accepted and normalized to the platform banking model.
Optional buyer-supplied Mutual Fund Central data. This object is free-form and can use the buyer-app MFC payload shape.
Optional buyer-supplied bureau data. When this object is provided, journey.bureauConsent must be true.
Optional Loan Against Mutual Funds preference object. Use it to indicate whether the borrower is exploring a Credit Line or Term Loan; the endpoint remains the same single LAMF start API.