API Reference

Loan Below Credit Limit API

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 CodeError CodeReason
201LOAN00000Request processed successfully
400997Loan Below Credit Limit Request failed: invalid request
403990Invalid User
404998Device(s) does not exist
500999Invalid Request Type
400997Tenure field is mandatory.
400997Tenure field should be numeric.
400997Interest Rate is mandatory.
400997Interest Rate field must be a positive value with maximum 2 integers and 2 fractions
400997Moratorium Period field should be numeric.
400997Loan Amount is mandatory.
400997Loan Amount field must be a positive value with maximum 12 integers and 7 fractions
400997Loan Product Type is mandatory.
400997Loan Product field is invalid.
400997Processing Fee field must be a positive value with maximum 12 integers and 7 fractions
400997Bank Account Number is mandatory.
400997Bank Account Number field should be numeric.
400997Bank Account Number field value must have max length 28.
400997Bank Name is mandatory.
400997Bank Name field should not have number and special characters.
400997Bank Name field value must have max length 40.
400997IFSC Code is mandatory.
400997IFSC Code field should be alphanumeric.
400997IFSC Code field value must have max length 40.
400997Customer Name is mandatory.
400997Customer Name field should be alphanumeric.
400997Customer Name field value must have max length 200.
400997Note field should be alphanumeric with no special characters.
400LBL001Invalid device number
500LMT002Error while fetching details from device
400RTL113Invalid WALLET
500RTL114Error While fetching wallet details.
400LOAN00030Not eligible for loan offer
400LOAN00018Loan Plan not defined at Program Or Wallet
400HDE050Institution code is mandatory
400HDE051Device number is mandatory
400HDE052Service code is mandatory
500aseyHDE053Error in fetching data from service_code_mst
400CLMT010Invalid Client code
500CLMT011Error while fetching details from client
400CLMT012Invalid Wallet
500CLMT013Error while fetching details from Wallet
400LOAN00018Loan plan not defined in loan parameter
400LOAN00003In exception of loan_bo.EXISTING_LOAN_INFO
400LOAN00050Transaction is notselected. Please select the transaction to convert into loan
400LOAN00009Loan Plan must be attached either to Program or Wallet Promotion
500LOAN00003Error while Fetching Wallet Details
400HDE187Service not allowed, Base DEVICE is not activated
400LOFR001Loan Offer is applicable for this institution. Please go to Loan offer button for booking loan
400LOAN00001DEVICE not found for device number
400LOAN00003Multiple records for the Device
400CCRBO0048Loan is not allowed on add on Device
400CCRBO0049Device is not normal.Loan is not applicable for this device
400LOAN00005Wallet unpaid status is not normal
400LOAN00006Wallet admin status is not normal
500LOAN00061Error in finding data from temporary table
500LOAN00003Error in processing of ECA_EMI_CALC_AND_POST.ECA_LOAN_POSTING
500LOAN00003Error while posting the loan
400LOAN00017EMI must be greaterthan or equal to defined in loan parameters
400LOAN00019Further loan is not allowed on this device
400LOAN00024Not sufficient cash limit available to processthe request
400LOAN00047Not sufficient credit limit available to process the request
400LOAN00023Credit Limit Not defined for device
400LOAN00010Loan amount exceeded the maximum limit defined in loan parameters
400LOAN00011Applied loan amount exceeded the allowed amount
400LOAN00012Loan amount lessthan the minimum limit defined in loan parameters
400LOAN00013Interest rate must be in the range defined in loan parameters
400LOAN00014Moratorium period must be equal or less than defined in loan parameters
400LOAN00015No. of installments must be in the range defined in loan parameters
400LOAN00007Wallet balance status is not normal
400CCRBO0051Loan not allowed on expired device
400LOAN00002Device is in stoplist
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]+$

Denotes the unique number of a card issued to each cardholder. Numeric. Must exist in the Credit+ Issuing system with Normal (0) status. Maximum length: 24.

string
enum
required

Denotes whether the request is to be taken on priority. Must be 0 (No priority) or 1 (Priority request).

Allowed:
string
length ≤ 4000
^[A-Za-z0-9]+$

Any free text that the requestor may want to send for logging purpose. Alphanumeric without special characters. Maximum length: 4000.

string
length ≤ 10

Accessing channel. Maximum length: 10.

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

Denotes the current date on which the loan below credit limit request is received. Format: MM-DD-YYYY HH:MM:SS. Must be less than or equal to the institution date.

string
length ≤ 5

Denotes the validation required against the defined loan plans. Should be present in the Credit+ Issuing system. Maximum length: 5.

string
required
length ≤ 3
^[0-9]+$

Duration for which the loan amount is sanctioned. Numeric. Maximum length: 3. Should be in the range of the loan plan.

string
required
^[0-9]{1,2}(\.[0-9]{1,2})?$

The proportion of a loan that is charged as interest to the cardholder. Positive number. 2 integers and 2 fractions. Should be in the range of the loan plan.

string
length ≤ 3
^[0-9]+$

Duration within the loan term when the cardholder is not required to make any repayment. Numeric. Maximum length: 3. Should be in the range of the plan code.

string
required
^[0-9]{1,12}(\.[0-9]{1,7})?$

Cardholder’s transacted amount that is converted to a loan. Positive number. 12 integers and 7 fractions.

string
enum
required

Type of loan. Must be LOANCR.

Allowed:
string
^[0-9]{1,10}(\.[0-9]{1,7})?$

Fee applicable while processing the loan request. Positive number. 10 integers and 7 fractions. If the value is not zero, then the value should fall under range defined in the loan plan. If the fee is 0, then no fee is charged for that request. If the value is blank, then fees defined in the plan code is applicable.

string
^[0-9]{1,10}(\.[0-9]{1,7})?$

Fees to be applicable while preclosing the loan. Positive number. 10 integers and 7 fractions.

string
required
length ≤ 28
^[0-9]+$

Account number of the beneficiary bank. Numeric. Maximum length: 28.

string
required
length ≤ 40
^[A-Za-z ]+$

Name of the beneficiary bank. Only alphabets or space is allowed. Maximum length: 40.

string
required
length ≤ 40
^[A-Za-z0-9 ]+$

IFSC code of the beneficiary bank. Alphanumeric or space. Maximum length: 40.

string
required
length ≤ 200
^[A-Za-z0-9 ]+$

Name of the customer. Alphanumeric or space. Maximum length: 200.

boolean

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

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

API Consumer must share a Correlation-ID in the HTTP header for API requests. The Correlation-ID must be unique for each request. It is recommended to generate 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 the 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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