India

India eKYC verification matches submitted individual data against Indian sources of truth. See the eKYC API Reference for common response semantics that apply across all sources.

Available sources

Source	API source string	Description
INDIA PAN	`INDIA_PAN`	Verifies submitted data against records associated with the provided PAN (Permanent Account Number).
India DMV	{/* TODO: source string unknown */}	Verifies submitted driver's license details.

{/* TODO: Confirm with PM — no existing API documentation is available for India DMV. Provide source string, request parameter list, response schema, and overallLevel calculation. Also confirm the customer-facing description: "DMV" is a United States term for driver's license authorities and does not correspond to a real Indian institution, so confirm whether this source verifies against a driver's license database (Sarathi or a state-level RTO record) or something else. */}

INDIA PAN

Request parameters

Parameter	Required	Description
`source`	Mandatory	Must be `INDIA_PAN`.
`country`	Mandatory	Must be `IN`.
`panNumber`	Mandatory	Indian PAN (Permanent Account Number). Ten characters: five letters, four digits, one letter.
`firstName`	Mandatory	First name of the individual.
`middleName`	Optional	Middle name of the individual.
`surName`	Mandatory	Last name of the individual.

Response fields

INDIA PAN anchors verification on the PAN card. See the eKYC API Reference for common status values.

Field	Statuses	Description
`panNumberMatch`	`match`, `nomatch`	Indicates whether the PAN number was found in the source of truth.
`firstNameMatch`	`match`, `approximatematch`, `nomatch`	Matches first name submitted against the value in the source of truth.
`middleNameMatch`	`match`, `approximatematch`, `nomatch`	Matches middle name submitted against the value in the source of truth.
`lastNameMatch`	`match`, `approximatematch`, `nomatch`	Matches last name submitted against the value in the source of truth.
`fullNameMatch`	`match`, `approximatematch`, `nomatch`	Matches full name submitted against the full name associated with the PAN number in the source of truth.
`panNameMatch`	`match`, `approximatematch`, `nomatch`	Matches the name on the PAN card record against the name on the physical PAN card document.
`panLastUpdate`	Date	Date the PAN card was last updated.
`panStatus`	`Active`, `Inactive`	Indicates whether the PAN number is active or inactive.
`panStatusDescription`	String	Indicates whether the PAN number is existing and valid.
`panHolderType`	String	The type of entity for the PAN number provided (for example, `Individual`, `Business`).
`overallLevel`	`low`, `medium`, `high`	Overall risk level. See below for calculation logic.

overallLevel calculation

overallLevel is calculated based on the submitted full name and the name on the PAN card:

low when fullNameMatch and panNameMatch are both match.
high when fullNameMatch is nomatch OR panNameMatch is nomatch.
medium for all other combinations.

Contact your Incode representative to customize the overallLevel calculation for your use case.

Sample response

{
    "kyc": [
        { "key": "panNumberMatch", "status": "match" },
        { "key": "fullNameMatch", "status": "approximatematch" },
        { "key": "panNameMatch", "status": "approximatematch" },
        { "key": "panLastUpdate", "status": "12-02-1998" },
        { "key": "panStatus", "status": "Active" },
        { "key": "panStatusDescription", "status": "Existing and Valid" },
        { "key": "panHolderType", "status": "Individual" },
        { "key": "overallLevel", "status": "medium" }
    ]
}

India DMV

{/* TODO: No existing API documentation is available for this source. Request source string, request parameter list, response schema, and overallLevel calculation from PM. */}

Documentation for this source is forthcoming. Contact your Incode representative for details in the meantime.