API Reference

Loan Above Credit Limit API

post
https://uatmea-iss-apigw.creditpluspinelabs.com/apis/v1/services/helpdesk/loanAboveCreditLimit

This API is used to issue loan above credit limit on credit cards for requests received through various channels such as online banking or mobile banking. The Credit+ Issuing system receives, validates and processes the request. If the request is successful, the system logs the “Loan above Credit Limit” (Service Code: 241) service request (SR) and sends the service request details in the response message. If the request fails, the system returns the corresponding error code in the response and the SR is not logged.

HTTP Status and Response Status Matrix

  • HTTP Code: This is the response status code issued by a server in response to a client's request made to the server.
  • Error Code: This is the error code returned by Credit+ Issuing application in the ‘code’ field of the response message indicating if the request was processed successfully or failed.
  • Reason: This is the description of the error code returned by Credit+ Issuing application.
HTTP CodeError CodeReason
201HDS000Request processed successfully.
400997Month’s data is invalid.
400997Customer Name field value must have max length 200.
403900Invalid User.
404998Device(s) does not exist.
500999Statement not available for last 3.
400SCRV080Loan Amount is mandatory.
400SCRV081ROI is mandatory.
400SCRV082TENURE is mandatory.
400SCRV083LOAN PLAN CODE is mandatory.
400SCRV084BANK NAME is mandatory.
400SCRV085CUSTOMER NAME WITH OTHER BANK is mandatory.
400SCRV087SENDER IFSC is mandatory.
400HDE187Service not allowed, DEVICE is not activated.
400SCRV088Invalid LOAN PLAN CODE.
400LOAN00009Loan Plan must be attached either to Program or Wallet Promotion.
400LOAN00010Loan amount exceeded the maximum limit defined in loan parameters.
400LOAN00011Applied loan amount exceeded the allowed amount.
400LOAN00012Loan amount less than the minimum limit defined in loan parameters.
400LOAN00013Interest rate must be in the range defined in loan parameters.
400LOAN00015TENURE must be in the range defined in loan parameters.
400LOAN00005Wallet UNPAID status is not normal.
400LOAN00006Wallet ADMINISTRATIVE status is not normal.
400LOAN00007Wallet BALANCE status is not normal.
400LOAN00001Device Number is not present in System.
400LOAN00003Multiple records for the Device.
400CCRBO0048Loan is not allowed on add on Device.
400CCRBO0049Device is not normal. Loan is not applicable for this device.
400CCRBO0051Loan not allowed on expired device.
400LOAN00002Device is in stoplist.
400LBL001Invalid device number.
400LMT002Error while fetching details from device.
400RTL113Invalid WALLET.
400RTL114Error While fetching wallet details.
400LOAN00018Loan Plan not defined at Program Or Wallet.
400LOAN00030Not eligible for loan offer.
400HDE050Institution code is mandatory.
400HDE051Device number is mandatory.
400HDE052Service code is mandatory.
400HDE053Error in fetching data from service_code_mst.
400HDE187Service not allowed, Base DEVICE is not activated.
400LOFR001Loan Offer is applicable for this institution. Please go to Loan offer button for booking loan.
400LOAN00063Loan Above Credit limit Service allowed to Individual card only.
400LOANCR001Loan Service is only applicable for Credit Cards.
400CLMT010Invalid Client code.
400CLMT011Error while fetching details from client.
400CLMT012Invalid Wallet.
400CLMT013Error while fetching details from Wallet.
400LOAN00050Transaction is not selected. Please select the transaction to convert into loan.
400LOAN00003No Wallet Details.
400LOAN00024Not sufficient cash limit available to process the request.
400LOAN00047Not sufficient credit limit available to process the request.
400LOAN00023Credit Limit Not defined for device.
400LOAN00014Moratorium period must be equal or less than defined in loan parameters.
400LOAN00017EMI must be greater than or equal to defined in loan parameters.
400LOAN00019Further loan is not allowed on this device.
500RTL105Error while executing Retail Txn to Loan API.
500LOAN00003Error in processing of ECA_EMI_CALC_AND_POST.ECA_LOAN_POSTING.
400EMI0002Loan Plan not defined.
400EMI0003Loan Type not defined.
500LOAN00003Error while processing Loan into TRANS_CREDIT_TRANSACTION.
500LOAN00003Error while processing Easy Pay Plan Loan.
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Body Params
string
required
length ≤ 24
^[0-9]+$

Card number. Device number should exist in Credit+ Issuing system with status Normal (0)

string
enum
required

It denotes whether the request is to be taken on priority or not. Valid values: 0 (No priority), 1 (Priority request)

Allowed:
string
length ≤ 4000
^[a-zA-Z0-9\s]+$

Any free text that the requestor may want to send for logging purpose. Alphanumeric without special characters

string
length ≤ 10

Accessing channel

string
required
^(0[1-9]|1[0-2])/(0[1-9]|[12]\d|3[01])/\d{4}\s([01]\d|2[0-3]):([0-5]\d):([0-5]\d)$

It denotes the date and time of request. Format: MM/DD/YYYY HH:MM:SS. Must be less than or equal to the institution date

string
length ≤ 5
^[a-zA-Z0-9]+$

Loan plan code defined for loan above credit limit. Should be present in the Credit+ Issuing system

string
required
length ≤ 3
^[0-9]+$

Duration for which the loan amount is sanctioned. Should be in the range of the applicable loan plan

string
required
^\d{1,2}(\.\d{1,2})?$

Rate of Interest. 2 integers and 2 fractions. Should be in the range of the applicable loan plan

string
required
length ≤ 3
^[0-9]+$

The duration within the loan term when the cardholder is not required to make any repayment. Should be in the range of the applicable loan plan

string
required
^\d{1,12}(\.\d{1,7})?$

Amount of the loan. 12 integers and 7 fractions

string
enum
required

Type of loan. Must be ALOP (Loan Above Credit Limit)

Allowed:
string
^\d{1,10}(\.\d{1,7})?$

Fee applicable while processing the loan request. 10 integers and 7 fractions. If not 0, should fall under the range defined in the loan plan. If 0, no fee is charged. If blank, fees defined in the plan code are applicable

string
^\d{1,10}(\.\d{1,7})?$

Fees applicable while preclosing the loan. 10 integers and 7 fractions

string
required
length ≤ 28
^[0-9]+$

Beneficiary bank account number

string
required
length ≤ 40
^[a-zA-Z\s]+$

Beneficiary bank name. Characters or space

string
required
length ≤ 40
^[a-zA-Z0-9\s]+$

Beneficiary bank's IFSC code. Alphanumeric or space

string
required
length ≤ 200
^[a-zA-Z0-9\s][a-zA-Z0-9\s'\-.\&]*$

Name of the customer. Value can contain: [A-Z, a-z, 0-9], Space, ['-.&]. Must start with an alphanumeric or space. All applicable special characters are allowed as per the configuration in Institution Parameter Setup > System Codes against TYPE_ID = REGEX_FOR_FIELD_VALIDATION

boolean

Indicates if interest is waived off for the cardholder for the indicated moratorium period. Applicable when moratoriumPeriod is provided. If not provided, default value from Card Management > Institution Parameter Setup > Loan Configuration > Loan Plan configuration is considered. Valid values: true, false

Headers
string
^[a-zA-Z0-9-]{1,50}$

API Consumer must share Correlation-ID in HTTP header for API requests. The Correlation-ID must be unique for each request. It is recommended to generate a universally unique identifier (UUID) of length 32 or 36 that is compliant with RFC 4122. The maximum supported length is 50 alphanumeric characters. For example, ac97d177-9345-4934-8343-0f91a7a02836. If the Correlation-ID is not received in the incoming request, the system generates the UUID dynamically and assigns it to the request.

string

API Consumer can share Source in HTTP header for API requests. For the list of Source values, see the Pre-conditions for HTTP Header of REST API topic in the Pre-requisite for Rest API section.

Response

Updated about 1 year ago

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Updated about 1 year ago

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