Borrower Eligibility Check — CGTMSE

What does this API do?

The CGTMSE Borrower Eligibility API allows Member Lending Institutions (MLIs) to check whether a prospective borrower is eligible for a CGTMSE guarantee before proceeding with a loan application. The borrower's IT PAN number is submitted, and the API returns an eligibility status and the eligible guarantee amount.

Eligibility is determined as follows:

• Eligible: First-time borrower, or total guarantee amount is less than ₹5 crore.
• Not Eligible: Total guarantee amount exceeds ₹5 crore.
• Defaulter: Borrower has been marked as NPA.

Based on the eligibility status, the lender can decide to process the loan or inform the borrower accordingly.

Who can use it?

Any onboarded Member Lending Institution (MLI) that has subscribed to the CGTMSE service on the ULI Platform Developer Portal. Eligible institution types include scheduled commercial banks, small finance banks, regional rural banks (RRBs), NBFCs, and other financial institutions registered with CGTMSE.

Prerequisites

Complete all common platform prerequisites as described in Getting Started with ULI Platform APIs. Then ensure the following CGTMSE-specific steps are also complete:

• CGTMSE service subscription: The CGTMSE service must be subscribed in the Platform Developer Portal separately for Sandbox and Production. Steps are available in the latest SOP for Lender Onboarding document (Section 10).
• CGTMSE Sign-in token: Before calling this API, you must first obtain a CGTMSE authentication token by calling the CGTMSE Sign-in API. This token must be passed in the x-cgtmse-token request header.

API endpoints

HTTP Method: POST

URL path convention: /{service name}/{ver}/{lang} — for this API: service name = cgtmse/borrowereligibility, ver = 1.3, lang = en

Headers

Request body

The request body is a JSON-formatted encrypted payload following the standard platform envelope. The plain (unencrypted) request contains the borrower's IT PAN number:

{
  "itpan": "ABRPL3597R"
}

This plain payload is then encrypted and submitted as the data field within the standard platform envelope:

{
  "meta": {
    "ver": "1.3",
    "ts": "<ISO-8601 timestamp>",
    "txncode": "<unique transaction code>"
  },
  "hmac": "<SHA-256 hash of encrypted data value>",
  "data": "<encrypted payload>"
}

Plain payload fields:

Response fields

On success, the encrypted data field decrypts to a plain response containing the eligibility status. Example plain response:

{
  "STATUS": [
    {
      "ITPAN": "ABRPL3597R",
      "ELIGIBILITY_STATUS": "PASS",
      "ELIGIBILITY_AMNT": 50000000
    }
  ]
}

Error codes

For platform-level error codes, refer to the latest Platform Error Code reference document available in the Platform API Spec folder on the Developer Portal.

Who to contact?

If you encounter an issue, email support@rbihub.in with the following details:

• Subject: CGTMSE API Error
• Platform Service Name: CGTMSE
• Platform Environment: Sandbox / Production
• Service Provider Code: 112
• Request Payload (headers + body) sent to platform
• Error Code received from the platform
• Error Message received from the platform
• Attachment: Screenshot or log of the error
• Prerequisites status: IP Whitelisting, URL Whitelisting, Service Subscription, Token Generation, CGTMSE Sign-in Token