You can register a single webhook URL for all events, or a different URL per event — both are supported. Share your webhook URL(s) with your business POC to register them.

Events

We trigger webhooks for the events below. The matrix shows which lenders each event is available for, along with its trigger condition.

✅ available · ❌ not available · 🟡 work in progress

Event type	Bajaj Finserv	DSP	SIB	Trigger condition
user.created	✅	✅	✅	A Unity user is created (e.g. guest flow, on PAN + mobile submission).
application.created	✅	✅	✅	Loan agreement generated; the user signs it via OTP verification.
application.submitted	✅	✅	✅	User accepts the agreement (by verifying OTP).
application.status_update	✅	✅	✅	Loan application or active loan status changes. Mirrors the loan status API response.
application.resume	✅	✅	✅	User resumes the flow (connected or guest).
application.feedback	✅	✅	✅	User must perform an additional action after submitting (e.g. a lender remark).
lender.updated	✅	✅	✅	Active lender changes via lender selection.
application.approved	✅	❌	✅	Application approved by the lender.
application.archived	✅	❌	❌	A parent loan is archived during a parallel LAMF/LAS submission.
disbursement.requested	✅	✅	✅	When a disbursement request is successfully raised in the lender LMS. (Coming soon)
disbursement.ready	✅	❌	❌	Disbursement approved by the lender.
disbursement.approved	✅	❌	✅	Disbursement request approved by the lender.
disbursement.success	✅	✅	✅	Lender has initiated funds disbursement (funds may take time to reach the user's bank).
loan.topup.initiated	✅	❌	❌	A new top-up loan is initiated. Top-ups are supported on Bajaj Finserv only.
payment.auto_debit.failed	✅	❌	❌	Interest auto-debit failed; re-sent daily until the bounced interest is repaid.
loan.ltv_breach.triggered	✅	❌	✅	LTV breach (margin shortfall) detected.
loan.closure_requested	✅	❌	🟡	Loan closure request shared with the lender.
loan.closed	✅	❌	🟡	Loan successfully closed by the lender (reflected in SOA).

disbursement.success is also sent for controlled disbursement with an additional isMocked: true field — see the payloads below.

Webhook payloads

You can expect to receive the following payloads for the above mentioned event types.

User related

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "user.created",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "userId": "507f1f77bcf86cd799439011",
    "interactionId": "INT64822ebcb406ec46428efac0"
  }
}

Loan application tracking

{
  "userId": "507f1f77bcf86cd799439011",
  "lid": "507f1f77bcf86cd799439012",
  "lender": "bajaj_finserv",
  "assetType": "STOCKS",
  "type": "application.created",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "requestedLoanLimit": 12000,
    "offerApplied": { // conditional - present only when an offer is applied to the application
      "offerCode": "SCABC",
      "offerId": "213234jd",
      "expiryDate": "2025-10-09T14:30:00Z",
      "discountAmount": 3422,
      "applicableOn": "PROCESSING_FEE",
      "discountType": "ABSOLUTE",
      "status": "FROZEN",
      "autoApply": true,
      "recommended": true,
      "applicableAmountRangeMin": 2
    }
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lid": "507f1f77bcf86cd799439012",
  "lender": "bajaj_finserv",
  "assetType": "MUTUALFUND",
  "type": "application.submitted",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "requestedLoanLimit": 12000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lid": "507f1f77bcf86cd799439012",
  "lender": "bajaj_finserv",
  "assetType": "STOCKS",
  "type": "application.status_update",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "journeyStatus": "FETCH_CKYC",
    "journeyTracker": [
      {
        "status": "REGISTER_LEAD",
        "timestamp": "2025-10-01T08:09:26.485Z"
      },
      {
        "status": "CONFIRM_OFFER",
        "timestamp": "2025-10-01T08:09:30.884Z"
      },
      {
        "status": "FETCH_CKYC",
        "timestamp": "2025-10-01T08:09:41.347Z"
      }
    ],
    "selection": {
      "confirmedAmount": 450000,
      "maxAmount": 800000
    },
    "userId": "507f1f77bcf86cd799439011"
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "application.resume",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "lid": "507f1f77bcf86cd799439012"
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "STOCKS",
  "type": "application.feedback",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "userActionRequired": true,
    "userActionType": "OPS_DIGILOCKER",
    "opsFeedback": "There was a data mismatch in your name between previous agreement and submitted PAN card. We request you to proceed with the Digilocker flow."
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "lender.updated",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "activeLid": "507f1f77bcf86cd799439013",
    "activeLender": "dsp"
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "STOCKS",
  "type": "application.approved",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "loanAccountNumber": "133247",
    "loanAccountLimit": 12000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "application.archived",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "reason": "CHILD_DISBURSED", // CHILD_DISBURSED | CHILD_SUBMITTED
    "childLid": "507f1f77bcf86cd799439013"
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "loan.topup.initiated",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "lid": "507f1f77bcf86cd799439013", // the new top-up loan LID
    "productType": "lamf",
    "assetType": "MUTUALFUND"
  }
}

Disbursement related

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "disbursement.requested",   // coming soon
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "loanAccountNumber": "133247",
    "amount": 11000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "disbursement.ready",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "loanAccountNumber": "133247",
    "amount": 11000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "disbursement.approved",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "loanAccountNumber": "133247",
    "amount": 11000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "STOCKS",
  "type": "disbursement.success",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",       // coming soon
    "loanAccountNumber": "133247",       // coming soon
    "disbursedAmount": 11000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "disbursement.success",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",       // coming soon
    "loanAccountNumber": "133247",       // coming soon
    "disbursedAmount": 11000,
    "isMocked": true
  }
}

Loan management webhooks

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "payment.auto_debit.failed",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "bouncedInterest": 1200,
    "bounceCharges": 200
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "STOCKS",
  "type": "loan.ltv_breach.triggered",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498",
    "shortfallAmount": 1000
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "MUTUALFUND",
  "type": "loan.closure_requested",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "lan": "123456",
    "customerName": "John Doe",
    "transactionNumber": "HS92321311243407",
    "toEmail": ["[email protected]"],
    "ccEmail": ["[email protected]"]
  }
}

{
  "userId": "507f1f77bcf86cd799439011",
  "lender": "bajaj_finserv",
  "lid": "507f1f77bcf86cd799439012",
  "assetType": "STOCKS",
  "type": "loan.closed",
  "requestId": "WH-64f1abc23ef4cd5678",
  "timestamp": "2025-10-01T08:09:26.485Z",   // coming soon
  "data": {
    "loanNo": "V402RLAS00058498"
  }
}

Webhook authentication

Each request sent to your webhook endpoint will include an Authorization header with a Bearer token.

Headers

Content-Type: application/json
Authorization: Bearer <token>

The token is a JWT with the following payload, signed with shared partner secret:

{
    "iss": "gateway",
    "iat": <current_unix_timestamp>,
    "exp": <expiration_unix_timestamp>
}

iss: Issuer of the token (fixed value: gateway).
iat: Issued at time, represented as a Unix timestamp.
exp: Expiration time, represented as a Unix timestamp (5 minutes from the issued time).

To authenticate the webhook requests, partner can retrieve the token from the Authorization header and decode the jwt with the shared partner secret

Post decoding, validate the claims:

Issuer: Check that the iss claim is "gateway".

Webhooks