What does this API do?
The ScoreMe PAN to Aadhaar Link Verification API (provider code 137) allows lenders to check whether a given PAN is linked to a specified Aadhaar number. The API returns the link status along with masked identifiers, enabling lenders to confirm identity linkage as part of their KYC and credit underwriting workflows.
A successful response confirms whether the PAN and Aadhaar number are linked, with the Aadhaar number returned in masked form (e.g., 786xxxxx475).
Who can use it?
Lenders and financial institutions onboarded to the ULI Platform who have subscribed to the ScoreMe KYC service in the Developer Portal.
What are the prerequisites?
Complete all common platform prerequisites as described in Getting Started with ULI Platform APIs.
In addition, the following are specific to this service:
- ScoreMe client ID: An
sp-client-idis provided by ScoreMe per lender and must be passed as a header on every request. - Ensure the ScoreMe KYC service is subscribed separately for Sandbox and Production in the Dev Portal.
What are the API endpoints?
| Environment | URL | Method |
|---|---|---|
| Sandbox | https://extgw.nonprod.rbihub.io/sb/scoreme/kyc/pan-aadhaar-link/{{version}}/{{lang}} | POST |
| Production | https://extgw.api.rbihub.io/scoreme/kyc/pan-aadhaar-link/{{version}}/{{lang}} | POST |
URL path convention: /scoreme/kyc/pan-aadhaar-link/{ver}/{lang} — current version is 1.0, language en.
What headers must be sent?
| Header | Description | Required |
|---|---|---|
Authentication | JWT Bearer token from the Authentication API | Mandatory |
Content-Type | application/json | Mandatory |
provider | 137 for ScoreMe | Mandatory |
client-id | Base64-encoded Client ID from onboarding | Mandatory |
sp-client-id | Service provider client ID shared by ScoreMe per lender | Mandatory |
What does the request body look like?
{
"meta": {
"ver": "1.0",
"ts": "2025-09-11T14:45:29+0530",
"txncode": "jih3872gbr23sd"
},
"hmac": "SHA-256 hash of the value under key 'data'",
"data": {
"aadhaarNumber": "78649XXXX75",
"pan": "CYCPXXXXX5C"
}
}| Field | Description | Required |
|---|---|---|
meta.ver | API version | Mandatory |
meta.ts | Timestamp in ISO-8601 format (yyyy-MM-ddTHH:mm:ssZ) | Mandatory |
meta.txncode | Unique alphanumeric transaction code from the lender | Mandatory |
hmac | SHA-256 hash of the value under key data | Mandatory |
data.pan | PAN number to verify | Mandatory |
data.aadhaarNumber | Aadhaar number to check the PAN is linked against | Mandatory |
What does the response contain?
{
"result": {
"errcode": "E000",
"status": "success",
"info": ""
},
"data": {
"data": {
"aadhaarNumber": "786xxxxx475",
"pan": "CYxxxx915C",
"status": "Your PAN CYXXXXXX5C is already linked to given Aadhaar 78XXXXXXXX75"
},
"responseMessage": "Successfully Completed.",
"referenceId": "f1e765ef-32fb-4351-ac05-f1ff61a1e271",
"responseCode": "SRC001"
},
"signature": "...",
"meta": { "txncode": "...", "ver": "1.0", "ts": "..." },
"hmac": "...",
"publickey": "...",
"sig-algo": "SHA256withECDSA"
}| Field | Description |
|---|---|
result.errcode | Error code; E000 on success |
result.status | success or fail |
data.data.pan | PAN number (partially masked in response) |
data.data.aadhaarNumber | Aadhaar number in masked form (e.g., 786xxxxx475) |
data.data.status | Human-readable link status message confirming whether the PAN is linked to the given Aadhaar |
data.responseMessage | Outcome message from the service provider |
data.referenceId | Unique reference ID for the transaction |
data.responseCode | ScoreMe internal response code (e.g., SRC001 for success) |
signature | Digital signature of the response data |
hmac | SHA-256 hash of the response data |
publickey | Platform public key for source verification |
sig-algo | Algorithm used for signing (e.g., SHA256withECDSA) |
meta.ts | Timestamp in ISO-8601 format |
meta.txncode | Unique transaction code from the request |
meta.ver | API version |
What are the error codes?
Refer to the Latest Platform Error Code document on the Dev Portal for the full list of platform-level error values applicable to this service.
Who do I contact for support?
Write to support@rbihub.in with the following details:
- Subject: ScoreMe KYC API Error — PAN Aadhaar Link
- Service Name: ScoreMe KYC — PAN Aadhaar Link
- Environment: Sandbox / Production
- Service Provider code: 137 (ScoreMe)
- Request Payload (headers and body)
- Error Code and Error Message received
- Screenshot or log of the error
- Prerequisites status: IP Whitelisting, URL Whitelisting, Service Subscription, Token Generation
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