Retrieves all the loan-related data points that will help the partner build the servicing dashboard
The response shape depends on where the loan is in its lifecycle. Two representative payloads are shown below.
Disbursed loan (servicing dashboard)
A fully disbursed loan returns the complete servicing dashboard — summary, flow, transaction, warnings — plus conditional top-up state (flags, topUpLoans[]), dashboardType, disbursementTAT, and (Bajaj Finserv only) refreshPolicy. When the user holds both a LAMF and a LAS loan, dashboardType is COMBINED and the most recently disbursed loan owns the dashboard. The example below is a disbursed mutual-fund loan with two top-up applications in progress.
topUpLoans[].journeyStatus uses the same values as Loan application statuses.
{
"code": 0,
"data": {
"loanSummary": {
"loanType": "Topup", // nature of the loan
"dashboardType": "MUTUALFUND", // MUTUALFUND / STOCKS / COMBINED
"flags": {
"autoDisbursal": false,
"isRefreshEnabled": true, // BFin only – servicing response is cached
"isTopUpEnabledMF": true, // for MUTUALFUND
"isTopUpEnabledStocks": false, // for STOCKS
"topUpVariant": "CREDIT_LIMIT" // CASH or CREDIT_LIMIT
},
"flow": {
"repayCash": true, //whether repay option is enabled - false if all amount is already paid
"withdrawCash": true //whether withdraw option is enabled - false if all amount is already withdrawn
},
"recentRepayment": { // only when repayment is made via the integrated payment gateway (BFin & DSP only)
"amount": 1,
"repaymentType": "principal",
"status": "PENDING"
},
"refreshPolicy": { // BFin only – servicing response is cached
"cooldownPeriodSeconds": 120,
"lastRefreshedAt": "2026-07-01T09:00:00Z",
"maxRefreshAttempts": 5,
"nextRefreshAllowedAt": "2026-07-01T09:02:00Z",
"remainingRefreshAttempts": 5
},
"summary": {
"availableCash": 15006.14,
"cashWithdrawn": 56936.86,
"countOfPledgedMFs": 2,
"creditLimit": 71943,
"lender": "bajaj_finserv",
"loanAccountNumber": "157661",
"loanNo": "V402RLAS00058498", // coming soon
"loanId": "63277649144910",
"maxWithdrawalLimit": 15006.14,
"minWithdrawalLimit": 500,
"rateOfInterest": 10.1,
"sanctionedLimit": 71943
},
"topUpLoans": [ //only returned if one or more topup loan applications are in progress
{
"appreciation": 0, // available appreciation on pledged holdings
"assetType": "MUTUALFUND",
"journeyStatus": "IMPORT_HOLDINGS", // see Loan application statuses
"lid": "6a3139b474080e32baa10880",
"topUpStatus": "IN_PROGRESS", // NOT_INITIATED, APPLIED, IN_PROGRESS
"topUpVariant": "CREDIT_LIMIT", // CASH or CREDIT_LIMIT
"disbursementTAT": { "soa": null, "demat": null, "dematPledgingTime": null }
},
{
"appreciation": 8466,
"assetType": "STOCKS",
"journeyStatus": "CONFIRM_OFFER",
"lid": "6a327c597b9969b368e2fe1e",
"topUpStatus": "IN_PROGRESS",
"topUpVariant": "CREDIT_LIMIT",
"disbursementTAT": { "soa": null, "demat": null, "dematPledgingTime": null }
}
],
"disbursementTAT": {
"soa": {
"amount": 21637,
"disbursementStatus": "COMPLETED", // INPROGRESS, COMPLETED, DELAYED
"submittedOnWorkingHours": true,
"time": "2026-03-13T10:09:05.443Z"
},
"demat": null,
"dematPledgingTime": "2026-03-13T13:30:00Z"
},
"transaction": {
"recent": [ // only 3 recent transactions returned. Separate API available for full SoA
{ "amount": 1, "date": "2026-06-23T00:00:00Z", "description": "Cash Repayment", "status": "SUCCESS", "type": "" },
{ "amount": 1, "date": "2026-06-17T00:00:00Z", "description": "Cash Repayment", "status": "SUCCESS", "type": "" },
{ "amount": 1, "date": "2026-06-17T00:00:00Z", "description": "Cash Repayment", "status": "SUCCESS", "type": "" }
],
"upcoming": {
"amount": 0,
"date": "2026-07-07T00:00:00Z",
"description": "Interest Payment",
"linkedBankDetails": { "accountNumber": "xxxxxx2886", "bankName": "ICICI BANK LTD", "slug": "ICIC" },
"type": "AUTO_DEBIT"
}
},
"user": { "name": "DHAWAL KESWANI", "unityUserId": "64c780130e047d6851c67fe7" },
"warnings": {
"bouncedInterest": { "amount": 0, "date": "", "detectionDate": "", "isActive": false },
"closureInProcess": { "isActive": false },
"shortfall": { "amount": 0, "detectionDate": "", "isActive": false },
"withdrawalInProcess": { "isActive": false }
}
}
},
"message": "SUCCESS"
}
Data cachingThe loan summary API internally fetches data via the lender's LMS systems. We might implement aggressive caching to comply with the lender's rate limiting guidelines, to ensure API uptime and prevent latency.
Baja Finserv - the servicing data is updated only once per day, unless user performs a withdrawal via the application.
DSP Finance/South Indian Bank - realtime data is returned. Sporadic latency can observed based on the underlying lender LMS performance.
Submitted loan — post application submission, not yet disbursed
Before disbursement, servicing actions are disabled (flow.repayCash / flow.withdrawCash are false), loanAccountNumber / loanId are empty, and transaction.recent is empty. flags.autoDisbursal tells you whether disbursement will happen automatically for this loan.
{
"code": 0,
"data": {
"loanSummary": {
"flags": {
"isTopUpEnabled": false, // this will remain false for the first 7 days (post disbursement)
"topUpStatus": "NOT_INITIATED",
"topUpVariant": "CASH",
"autoDisbursal": true
},
"flow": {
"repayCash": false,
"withdrawCash": false
},
"disbursementTAT": {
"soa": {
"submittedOnWorkingHours": true,
"time": "2024-11-28 18:00:00.000Z",
"amount": 100,
"disbursementStatus": "COMPLETED" // INPROGRESS, COMPLETED, DELAYED
},
"demat": {
"submittedOnWorkingHours": true,
"time": "2024-11-28 18:00:00.000Z",
"amount": 10,
"disbursementStatus": "COMPLETED" // INPROGRESS, COMPLETED, DELAYED
},
"dematPledgingTime": "2024-12-06T01:30:00Z"
},
"summary": {
"availableCash": 90000,
"cashWithdrawn": 0,
"countOfPledgedMFs": 0,
"creditLimit": 90000,
"lender": "bajaj_finserv",
"loanAccountNumber": "",
"loanNo": "", // coming soon
"loanId": "",
"maxWithdrawalLimit": 0,
"minWithdrawalLimit": 0,
"rateOfInterest": 10.5,
"sanctionedLimit": 90000
},
"transaction": {
"recent": [],
"upcoming": {
"amount": 0,
"date": "",
"description": "",
"linkedBankDetails": {
"accountNumber": "",
"bankName": "",
"slug": ""
},
"type": ""
}
},
"user": {
"name": "DHAWAL KESWANI"
},
"warnings": {
"bouncedInterest": {
"date": "",
"detectionDate": "",
"isActive": false
},
"closureInProcess": {
"isActive": false
},
"shortfall": {
"detectionDate": "",
"isActive": false
},
"withdrawalInProcess": {
"isActive": false
}
}
}
},
"message": "SUCCESS"
}