API ReferenceHybrid ExperienceLoan Against Mutual Funds

Create A Loan Against Mutual Funds Journey

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

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.

Headers

x-correlation-idstringOptional1-128 characters

Optional caller-supplied trace identifier. When omitted, the API generates one and mirrors it as correlation_id.

Request

This endpoint expects an object.
personalobjectRequired
Personal Loan borrower profile fields for Hybrid journey start.
journeyTypeenumOptional

Optional credit product discriminator. Omit it or send LAMF_LOAN on the Loan Against Mutual Funds Hybrid path.

workobjectOptional
addressobjectOptional
bankingInformationobjectOptional
Optional complete bank prefill. If supplied, send the full object.
banking_informationobjectOptional

Optional complete bank prefill. This snake_case shape is accepted and normalized to the platform banking model.

journeyobjectOptional
mfcmap from strings to any or nullOptional

Optional buyer-supplied Mutual Fund Central data. This object is free-form and can use the buyer-app MFC payload shape.

bureauobject or nullOptional

Optional buyer-supplied bureau data. When this object is provided, journey.bureauConsent must be true.

loanPreferencesobjectOptional

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.

Response

Hybrid Loan Against Mutual Funds journey accepted and offer fetch started or resumed.
request_idstringformat: "uuid"
correlation_idstring
timestampdatetime
dataobject
errorany

Errors

400
Bad Request Error
401
Unauthorized Error
429
Too Many Requests Error
500
Internal Server Error