post https://uatmea-iss-apigw.creditpluspinelabs.com/deviceapi/apis/v1/services/helpdesk/loanBelowCreditLimit
This API is used to issue loan below credit limit on credit cards for requests 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 below Credit Limit” (Service Code: 212) 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.
| HTTPS Code | Error Code | Reason |
|---|---|---|
| 201 | LOAN00000 | Request processed successfully |
| 400 | 997 | Loan Below Credit Limit Request failed: invalid request |
| 403 | 990 | Invalid User |
| 404 | 998 | Device(s) does not exist |
| 500 | 999 | Invalid Request Type |
| 400 | 997 | Tenure field is mandatory. |
| 400 | 997 | Tenure field should be numeric. |
| 400 | 997 | Interest Rate is mandatory. |
| 400 | 997 | Interest Rate field must be a positive value with maximum 2 integers and 2 fractions |
| 400 | 997 | Moratorium Period field should be numeric. |
| 400 | 997 | Loan Amount is mandatory. |
| 400 | 997 | Loan Amount field must be a positive value with maximum 12 integers and 7 fractions |
| 400 | 997 | Loan Product Type is mandatory. |
| 400 | 997 | Loan Product field is invalid. |
| 400 | 997 | Processing Fee field must be a positive value with maximum 12 integers and 7 fractions |
| 400 | 997 | Bank Account Number is mandatory. |
| 400 | 997 | Bank Account Number field should be numeric. |
| 400 | 997 | Bank Account Number field value must have max length 28. |
| 400 | 997 | Bank Name is mandatory. |
| 400 | 997 | Bank Name field should not have number and special characters. |
| 400 | 997 | Bank Name field value must have max length 40. |
| 400 | 997 | IFSC Code is mandatory. |
| 400 | 997 | IFSC Code field should be alphanumeric. |
| 400 | 997 | IFSC Code field value must have max length 40. |
| 400 | 997 | Customer Name is mandatory. |
| 400 | 997 | Customer Name field should be alphanumeric. |
| 400 | 997 | Customer Name field value must have max length 200. |
| 400 | 997 | Note field should be alphanumeric with no special characters. |
| 400 | LBL001 | Invalid device number |
| 500 | LMT002 | Error while fetching details from device |
| 400 | RTL113 | Invalid WALLET |
| 500 | RTL114 | Error While fetching wallet details. |
| 400 | LOAN00030 | Not eligible for loan offer |
| 400 | LOAN00018 | Loan Plan not defined at Program Or Wallet |
| 400 | HDE050 | Institution code is mandatory |
| 400 | HDE051 | Device number is mandatory |
| 400 | HDE052 | Service code is mandatory |
| 500asey | HDE053 | Error in fetching data from service_code_mst |
| 400 | CLMT010 | Invalid Client code |
| 500 | CLMT011 | Error while fetching details from client |
| 400 | CLMT012 | Invalid Wallet |
| 500 | CLMT013 | Error while fetching details from Wallet |
| 400 | LOAN00018 | Loan plan not defined in loan parameter |
| 400 | LOAN00003 | In exception of loan_bo.EXISTING_LOAN_INFO |
| 400 | LOAN00050 | Transaction is notselected. Please select the transaction to convert into loan |
| 400 | LOAN00009 | Loan Plan must be attached either to Program or Wallet Promotion |
| 500 | LOAN00003 | Error while Fetching Wallet Details |
| 400 | HDE187 | Service not allowed, Base DEVICE is not activated |
| 400 | LOFR001 | Loan Offer is applicable for this institution. Please go to Loan offer button for booking loan |
| 400 | LOAN00001 | DEVICE not found for device number |
| 400 | LOAN00003 | Multiple records for the Device |
| 400 | CCRBO0048 | Loan is not allowed on add on Device |
| 400 | CCRBO0049 | Device is not normal.Loan is not applicable for this device |
| 400 | LOAN00005 | Wallet unpaid status is not normal |
| 400 | LOAN00006 | Wallet admin status is not normal |
| 500 | LOAN00061 | Error in finding data from temporary table |
| 500 | LOAN00003 | Error in processing of ECA_EMI_CALC_AND_POST.ECA_LOAN_POSTING |
| 500 | LOAN00003 | Error while posting the loan |
| 400 | LOAN00017 | EMI must be greaterthan or equal to defined in loan parameters |
| 400 | LOAN00019 | Further loan is not allowed on this device |
| 400 | LOAN00024 | Not sufficient cash limit available to processthe request |
| 400 | LOAN00047 | Not sufficient credit limit available to process the request |
| 400 | LOAN00023 | Credit Limit Not defined for device |
| 400 | LOAN00010 | Loan amount exceeded the maximum limit defined in loan parameters |
| 400 | LOAN00011 | Applied loan amount exceeded the allowed amount |
| 400 | LOAN00012 | Loan amount lessthan the minimum limit defined in loan parameters |
| 400 | LOAN00013 | Interest rate must be in the range defined in loan parameters |
| 400 | LOAN00014 | Moratorium period must be equal or less than defined in loan parameters |
| 400 | LOAN00015 | No. of installments must be in the range defined in loan parameters |
| 400 | LOAN00007 | Wallet balance status is not normal |
| 400 | CCRBO0051 | Loan not allowed on expired device |
| 400 | LOAN00002 | Device is in stoplist |
| 400 | EMI0002 | Loan Plan not defined |
| 400 | EMI0003 | Loan Type not defined |
| 500 | LOAN00003 | Error while processing Loan into TRANS_CREDIT_TRANSACTION |
| 500 | LOAN00003 | Error while processing Easy Pay Plan Loan |