1-month or EMI Loan Apply
These APIs are used to apply 1-month and EMI loans.
1. Process
URL
/v4/1-month-or-emi/loan/process
METHOD
POST
<br>
a. Customer opting to apply 1-month loan
Apply Loan-Dashboard
Enter Loan Amount
Invalid Loan Amount Entered
Valid Loan Amount
1-Month Choosen
Choosing a repayment date
b. Customer opting to apply EMI loan with 3 month tenure
Apply Loan-Dashboard
Enter Loan Amount
Invalid Loan Amount Entered
Valid Loan Amount
3-Month Choosen
Choosing a repayment date
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "100023625"
}
Field
Data Type
Description
bankCodeStringSwift code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
Response body
<button>Copy</button>
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Customer can process a loan with following details.",
"data": {
"metadata": {
"token": "token",
"minAmount": 1000,
"maxAmount": 200000,
"unit": "NPR"
},
"appView": {
"header": {
"title": "Loan Details"
},
"body": {
"sliderSection": {
"type": "slider",
"title": "Your available loan limit",
"input": {
"value": 100000
}
},
"inputSection": {
"type": "input_section",
"title": "Your Loan Amount (in NPR)",
"input": {
"type": "number_input",
"placeholder": "Enter loan amount"
},
"url": "/v4/payment/calculator"
},
"diceSection": {
"type": "dice",
"title": "You will pay the loan in : MONTH(S)",
"order": "ASC",
"tenures": [
{
"tenure": 1,
"enabled": true,
"minAmount": 1000,
"maxAmount": 50000
},
{
"tenure": 3,
"enabled": true,
"minAmount": 5000,
"maxAmount": 100000
},
{
"tenure": 6,
"enabled": true,
"minAmount": 5000,
"maxAmount": 120000
},
{
"tenure": 9,
"enabled": true,
"minAmount": 5000,
"maxAmount": 150000
},
{
"tenure": 12,
"enabled": false
}
]
},
"datePickerSection": {
"input":
{
"enableDateRangeOneMonth": true,
"enableDateRangeEmi": true,
"placeholder": "Select Payback Date",
"type": "date_picker",
"message": "Select your loan maturity date up to a maximum of 30 days from today.",
"maxSelectablePaymentDate": "2025-02-26"
},
"type": "input_section",
"title": "Your payback date will be"
},
"repaymentSection": {
"type": "section",
"title": "NPR 20,000",
"items": [
{
"value": " ",
"message": "Repayment amount changes with the change in the payback date."
}
]
},
"buttonSection": {
"type": "button",
"label": "Lets Go",
"action": {
"type": "",
"target": "review"
}
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
Field
Data Type
Description
enableDateRangeEmiBooleanFlag for enabling date range for EMI Loan
maxSelectablePaymentDateDateMax selectable date range for QR EMI
enableDateRangeOneMonthBooleanFlag for enabling date range for One Month Loan
tenures.ordersStringOrder of lloan tenure list it can be either ASC or DESC asecnding order or descending order respectively
2. Review
URL
/v4/1-month-or-emi/loan/review
METHOD
POST
a. Customer opting to apply 1-month loan
1-month Loan Details
Loan Agreement View
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "100023625",
"token": "token",
"paymentDate": "1723454832000",
"loanAmount": 30000.00,
"loanTenure": 1
}
Field
Data Type
Description
bankCodeStringSwift code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
tokenStringtransaction token i.e token sent in process response.
paymentDateDatePayment date in milliseconds since epoch.
loanAmountDoubleAmount of the loan applied for.
loanTenureIntegerLoan tenure duration in months. i.e value sent in process response in field loanTenure
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Customer can book a loan with following details.",
"data": {
"metadata": {
"token": "eligibilityToken"
},
"appView": {
"header": {
"title": "Loan Details"
},
"body": {
"accountSection": {
"type": "section",
"title": "Sudin Shakya",
"items": [
{
"key": "Account",
"value": "123235678976"
}
]
},
"loanSection": {
"type": "section",
"title": "Your Loan",
"items": [
{
"key": "Your Loan Amount",
"value": "NPR 40000.0"
},
{
"key": "Interest rate per month",
"value": "1.25%"
},
{
"key": "For a period of",
"value": "1 month(s)"
}
]
},
"loanRepaymentSection": {
"type": "section",
"title": "Your loan repayment",
"items": [
{
"key": "Total repayment amount",
"value": "NPR 40509.59"
},
{
"key": "Amount credited to your account on",
"value": "12th Aug, 2024"
},
{
"key": "Repayment on",
"value": "11th Sep, 2024"
}
]
},
"lateFeeSection": {
"type": "section",
"title": "Incase you miss the payment on time",
"items": [
{
"key": "Late fees per month",
"value": "NPR 300.00"
},
{
"key": "On overdue outstanding principal per month",
"value": "+0.17%"
}
]
},
"adminFeeSection": {
"type": "section",
"title": "Loan Administration Fee",
"items": [
{
"key": "Loan Administration fee",
"value": "NPR 500.00"
}
]
},
"loanAgreementSection": {
"type": "agreement",
"title": "I agree to the Terms of Loan Agreement",
"checked": false,
"value": "<h2 style=\"text-align:center;\"><span\nstyle=\"font-size:18px;\"><strong>1 Terms and Conditions </span></p>"
},
"buttonSection": {
"type": "button",
"label": "Proceed",
"action": {
"type": "",
"target": "book"
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
}
b. Customer opting to apply EMI loan with 3 month tenure
3-month Loan Details
Loan Agreement View
Expanded Schedule
Request Body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "100023625",
"token": "token",
"paymentDate": "1723454832000",
"loanAmount": 30000.00,
"loanTenure": 3
}
Field
Data Type
Description
bankCodeStringSwift code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
tokenStringtransaction token i.e token sent in process response.
paymentDateDatePayment date in milliseconds since epoch.
loanAmountDoubleAmount of the loan applied for.
loanTenureIntegerLoan tenure duration in months. i.e value sent in process response in field loanTenure
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Customer can book a loan with following details.",
"data": {
"metadata": {
"token": "eligibilityToken"
},
"appView": {
"header": {
"title": "Loan Details"
},
"body": {
"accountSection": {
"type": "section",
"title": "Sudin Shakya",
"items": [
{
"key": "Account",
"value": "123235678976"
}
]
},
"loanSection": {
"type": "section",
"title": "Your Loan",
"items": [
{
"key": "Your Loan Amount",
"value": "NPR 30000.0"
},
{
"key": "Interest rate per month",
"value": "1.33%"
},
{
"key": "For a period of",
"value": "3 month(s)"
}
]
},
"loanRepaymentSection": {
"type": "section",
"title": "Your loan repayment",
"items": [
{
"key": "Monthly Installments",
"value": "NPR 10267.84"
},
{
"key": "Total repayment amount",
"value": "NPR 30,803.50"
},
{
"key": "Amount credited to your account on",
"value": "23rd Aug, 2024"
},
{
"key": "Your 1st installment",
"value": "24th Sep, 2024"
}
]
},
"lateFeeSection": {
"type": "section",
"title": "Incase you miss the payment on time",
"items": [
{
"key": "Late fees per month",
"value": "NPR 300.00"
},
{
"key": "On overdue outstanding principal per month",
"value": "+0.17%"
}
]
},
"adminFeeSection": {
"type": "section",
"title": "Loan Administration Fee",
"items": [
{
"key": "Loan Administration fee",
"value": "NPR 500.00"
}
]
},
"emiMonthlyBreakDownSection": {
"type": "collapisible_section",
"title": "View your loan scedule with a monthly breakdown of EMI",
"collapsed": true,
"table": {
"rows": [
{
"id": 1,
"data": [
{
"key": "Installment No",
"value": "1"
},
{
"key": "Payment Date",
"value": "Sep 24, 2024"
},
{
"key": "EMI",
"value": "NPR 10,267.84"
}
]
},
{
"id": 2,
"data": [
{
"key": "Installment No",
"value": "2"
},
{
"key": "Payment Date",
"value": "Oct 24, 2024"
},
{
"key": "EMI",
"value": "NPR 10,267.84"
}
]
},
{
"id": 3,
"data": [
{
"key": "Installment No",
"value": "3"
},
{
"key": "Payment Date",
"value": "Nov 24, 2024"
},
{
"key": "EMI",
"value": "NPR 10,267.84"
}
]
}
]
}
},
"loanAgreementSection": {
"type": "agreement",
"title": "I agree to the Terms of Loan Agreement",
"isChecked": false,
"value": "<h2 style=\"text-align:center;\"><span\nstyle=\"font-size:18px;\"><strong>1 Terms and Conditions </span></p>"
},
"buttonSection": {
"type": "button",
"label": "Proceed",
"action": {
"type": "",
"target": "book"
}
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
3. Book
URL
/v4/1-month-or-emi/loan/book
METHOD
POST
a. Book api for both 1-month and EMI Loans
Confirmation Page
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "100023625",
"token": "eligibilityToken",
"termsAndConditionsAgreed": true
}
Field
Data Type
Description
bankCodeStringSwift Code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
tokenStringtransaction token i.e token sent in review response.
termsAndConditionsAgreedBooleanIndicates if the customer agreed to terms and conditions.
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Customer can confirm a loan with following details.",
"data": {
"metadata": {
"token": "eligibilityToken",
"verificationExpiryInSec": 60
},
"appView": {
"header": {
"title": "Verification"
},
"body": {
"imageSection": {
"type": "image_section",
"image_details": {
"url": "",
"tint": false
},
"message": "We have sent you a 4-digit verification code to your mobile number 9841XXXXXX. Please enter it below."
},
"otpSection": {
"type": "input",
"subtype": "otp",
"length": 4
},
"resendOtpSection": {
"type": "action_link",
"label": "Resend OTP",
"action": {
"type": "",
"target": "resendOTP"
}
},
"loanDepositSection": {
"type": "info",
"message": "After confirming, NPR 30000.00 will be deposited to your account instantly."
},
"buttonSection": {
"type": "button",
"label": "Confirm Loan",
"action": {
"type": "",
"target": "confirm"
}
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
4. Confirm
This api will perform a fund transfer to the customer account.
URL
/v4/1-month-or-emi/loan/confirm
METHOD
POST
a. Confirmation api for both 1-month and EMI Loans
Congrats
Submit Other Purpose
Share Loan Agreement
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "1111111111",
"token": "eligibilityToken",
"otp": "1234"
}
Field
Data Type
Description
bankCodeStringSwift Code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
tokenStringTransaction Token i.e sent in book api response.
otpStringCard verification value for confirmation.
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Loan disbursed successfully.",
"data": {
"metadata": {
"token": "eligibilityToken"
},
"appView": {
"header": {
"title": ""
},
"body": {
"imageSection": {
"type": "image_section",
"image_details": {
"url": "https://uat-minio-new.foneloan.com.np/customer-new-ui/congratulations-icon%201.svg",
"tint": false
},
"message": "Your loan amount of NPR 40000.00 has been transferred to your bank account.",
"items": [
{
"key": "A/C No",
"value": "10963836027333473"
},
{
"key": "A/C Name",
"value": "Sudin Shakya"
}
]
},
"purposeSection": {
"type": "section",
"title": "",
"description": "Please let us know how you will be using this fund, so that we can improve our service.",
"options": [
{
"label": "Payments",
"url": "https://uat-minio-new.foneloan.com.np/customer-new-ui/payments.png",
"tint": false,
"type": "button"
},
{
"label": "Rent",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/rent.png",
"tint": false,
"type": "button"
},
{
"label": "Expenses",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/expenses.png",
"tint": false,
"type": "button"
},
{
"label": "Others",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/others.png",
"tint": false,
"trigger_input": {
"type": "input_section",
"placeholder": "Enter purpose of loan"
}
}
]
},
"loanAgreementSection": {
"type": "section",
"title": "Loan Agreement",
"url": "/loanAgreementDownload",
"actions": [
{
"type": "action",
"label": "Download",
"action": {
"type": "",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/Download.svg",
"target": "download"
}
},
{
"type": "action",
"label": "Share",
"action": {
"type": "",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/Share.svg",
"target": "share"
}
}
]
},
"buttonSection": {
"type": "button",
"label": "Go to Dashboard",
"action": {
"type": "",
"target": "dashboard"
}
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
5. Purpose
This api is used to collect the information about the purpose of loan.
URL
/v4/1-month-or-emi/loan/purpose
METHOD
POST
a. Purpose api for both 1-month and EMI Loans
Save Purpose
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "1111111111"
}
Field
Data Type
Description
bankCodeStringSwift Code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Purpose received successfully.",
"data": {
"appView": {
"header": {
"title": "Congratulations"
},
"body": {
"thankYouSection": {
"type": "section",
"message": "Thank you! for sharing your loan purpose."
},
"loanAgreementSection": {
"type": "section",
"title": "Loan Agreement",
"url": "/loanAgreementDownload",
"actions": [
{
"type": "action",
"label": "Download",
"action": {
"type": "",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/Download.svg",
"target": "download"
}
},
{
"type": "action",
"label": "Share",
"action": {
"type": "",
"icon": "https://uat-minio-new.foneloan.com.np/customer-new-ui/Share.svg",
"target": "share"
}
}
]
},
"buttonSection": {
"type": "button",
"label": "Go to Dashboard",
"action": {
"type": "",
"target": "dashboard"
}
}
}
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
6. Resend OTP
This api is used to resend otp to customer mobile number.
URL
/v4/resend/otp
METHOD
POST
Request body
{
"bankCode": "SCB",
"customerNumber": "000123",
"accountNumber": "1111111111",
"token": "token"
}
Field
Data Type
Description
bankCodeStringSwift Code representing the bank (e.g., SCB).
customerNumberStringUnique identifier for the customer.
accountNumberStringCustomer's bank account number.
tokenStringTransaction token i.e send in book api.
Response body
{
"status": "OK",
"statusCode": 200,
"series": "SUCCESSFUL",
"code": 20,
"phrase": "Successful",
"message": "Customer can confirm a loan using a new OTP sent to mobile number.",
"data": {
"metadata": {
"verificationExpiryInSec": 5
}
},
"timestamp": "08-08-2024 10:12:57 AM"
}
