ZestMoney BNPL, EMI and CIBIL APIs

DMI Info Tech Solutions · Lending 5.0 ★

ZestMoney - Shop on easy EMIs is the Indian buy-now-pay-later and personal-loan app from DMI Info Tech Solutions (DMI Finance). Shoppers can spread purchases from Amazon, Flipkart, Myntra and other merchants over a 30-day or three-to-four-month EMI, buy branded gift cards in the app, or scan to pay at about 85,000 offline stores across roughly 16,000 postal codes. The home screen brings together cash personal-loan applications, a CIBIL checker, an EMI calendar, account statements and the Bolt revolving-credit limit, alongside UPI and Razorpay repayments, eNACH mandates and selfie KYC. Serving Indian shoppers who want instalment financing for online and in-store purchases, it competes with LazyPay, Simpl, Amazon Pay Later, Flipkart Pay Later and KreditBee; partner banks and NBFCs fund the loans. Its Google Play listing reports over 10 million installs and about 238,000 ratings, while the product description cites 11 million users.

BNPL spending headroom combines availableCL, spendAmount and creditUtilizedPercent with the current emiAmount and repaymentAmount. The CIBIL record adds creditScore, creditHealth, lastCheckedDate and isPersonalLoanEligible, tying limit utilisation to a dated view of credit health.

Merchant instalments are organised into ongoingLoans and pastLoans, with loanId, mambuId, merchantName, dueDate and amountPending connecting the loan book to statement transactions and balanceDue. Cash-loan offers use plEmiPlans and numberOfMonths; checkout quotes instead expose monthlyInstallment, downpayment and processingFee. The revolving line distinguishes approvedLimit from outstandingAmount.

Finance teams can reconcile available headroom against merchant EMI balances, while origination tools compare dated CIBIL results with cash-loan tenures. Collections calendars join repayments by date and status; authorised compliance integrations can match borrower pan and aadhaar with repayment-bank ifsc and accNum. openData Studio turns these credit, instalment and repayment fields into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Issue access token
POST /v1/sessions/issue osint
Exchanges grant_type and username for the access_token used as Authorization: Bearer on later customer, EMI and CIBIL calls, together with expires_in, refresh_token and token_type.
Auth: Unauthenticated OAuth2 form body with grant_type, username, password and client_id. Returns access_token, expires_in, refresh_token and token_type.
- grant_type
- username
- access_token
- expires_in
- refresh_token
- token_type
```
POST /v1/sessions/issue HTTP/1.1
Content-Type: application/x-www-form-urlencoded

grant_type=password&username=<phone_number>&password=<one_time_code>&client_id=<client_id>
```
```
{
  "access_token": "<access_token>",
  "expires_in": 3600,
  "token_type": "Bearer",
  "refresh_token": "<refresh_token>"
}
```
Request login OTP
POST /v1/sign-in/challenges osint
Sends a login OTP for phone and returns otpId, isLogin and userAccessState so the token grant can finish sign-in.
Auth: Unauthenticated JSON body with phone. Returns otpId for the password-grant sign-in flow.
- otpId
- isLogin
- userAccessState
- otpRegexes
- onboardingChannel
- actionUrl
- phone
```
POST /v1/sign-in/challenges HTTP/1.1
Content-Type: application/json

{
  "phone": "<phone_number>"
}
```
```
{
  "otpId": "<otp_id>",
  "isLogin": true,
  "userAccessState": "EXISTING",
  "otpRegexes": [
    "^[0-9]{6}$"
  ],
  "onboardingChannel": "APP",
  "actionUrl": "<next_action>"
}
```

Customer profile

GET /v1/borrowers/{borrowerId}/profile osint

Loads the signed-in borrower: PAN and Aadhaar (pan, aadhaar), salary (income, empType, organisation) and the mandate bank row (accNum, ifsc, bank).

Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.

name
phone
email
dob
pan
aadhaar
address
city
pin
empType
income
expense
organisation
accName
accNum
ifsc
accType
bank

GET /v1/borrowers/borrower-demo/profile HTTP/1.1
Authorization: Bearer <access_token>

{
  "name": "Example Borrower",
  "phone": "<phone_number>",
  "email": "<email_address>",
  "dob": "<date_of_birth>",
  "pan": "<masked_pan>",
  "aadhaar": "<masked_aadhaar>",
  "address": "<postal_address>",
  "city": "Bengaluru",
  "pin": "<postal_code>",
  "empType": "SALARIED",
  "income": 60000,
  "expense": 25000,
  "organisation": "Example Employer",
  "accName": "Example Borrower",
  "accNum": "<masked_account_number>",
  "ifsc": "<bank_branch_code>",
  "accType": "SAVINGS",
  "bank": "Example Bank"
}

Credit-limit statuses
GET /v1/borrowers/{borrowerId}/spending-capacity openfinance
Returns BNPL headroom (availableCL, spendAmount, totalAmount, creditUtilizedPercent) plus the current EMI (emiAmount, tenure, repaymentAmount) that drives the home-screen limit tile.
Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.
- status
- availableCL
- availableCLText
- spendAmount
- totalAmount
- spendPercent
- productName
- loanAmount
- tenure
- emiAmount
- repaymentAmount
- creditUtilizedPercent
- isCreditScoreAvailable
- creditScoreTitle
- creditScoreSubtitle
- nextStep
```
GET /v1/borrowers/borrower-demo/spending-capacity HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "status": "ACTIVE",
  "availableCL": 20000.0,
  "availableCLText": "₹20,000 available",
  "spendAmount": 30000.0,
  "totalAmount": 50000.0,
  "spendPercent": 60.0,
  "productName": "BNPL",
  "loanAmount": 12000.0,
  "tenure": 3,
  "emiAmount": 4100.0,
  "repaymentAmount": 4100.0,
  "creditUtilizedPercent": 60.0,
  "isCreditScoreAvailable": true,
  "creditScoreTitle": "CIBIL score",
  "creditScoreSubtitle": "742 · Good",
  "nextStep": "SHOP"
}
```
CIBIL credit-score screen
GET /v1/borrowers/{borrowerId}/credit-health openfinance
Loads the in-app CIBIL tile: creditScore, creditHealth, lastCheckedDate, currentOutstandingAmount, numberOfLoans and isPersonalLoanEligible.
Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.
- creditScore
- creditHealth
- creditHealthColor
- lastCheckedDate
- currentOutstandingAmount
- numberOfLoans
- totalLoanAmount
- numberOfCards
- totalCardAmount
- isPersonalLoanEligible
- creditFactors
```
GET /v1/borrowers/borrower-demo/credit-health HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "creditScore": "742",
  "creditHealth": "Good",
  "creditHealthColor": 4283215696,
  "lastCheckedDate": "2026-10-12",
  "currentOutstandingAmount": "30000",
  "numberOfLoans": "4",
  "totalLoanAmount": "128000",
  "numberOfCards": "2",
  "totalCardAmount": "60000",
  "isPersonalLoanEligible": true,
  "creditFactors": []
}
```

Customer loan books

GET /v1/borrowers/{borrowerId}/instalment-books openfinance

Lists ongoingLoans versus pastLoans with loanId, mambuId, merchantName, emiAmount, dueDate, amountPending and paidEmis/totalEmis, plus moratoriumStatus and restructuringStatus.

Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.

moratoriumStatus
moratoriumEndDate
restructuringStatus
ongoingLoans
pastLoans
loanId
mambuId
merchantName
productName
loanAmount
emiAmount
dueDate
amountPaid
amountPending
paidEmis
totalEmis
emiStatus
latePaymentCharges
activationDate

GET /v1/borrowers/borrower-demo/instalment-books HTTP/1.1
Authorization: Bearer <access_token>

{
  "moratoriumStatus": "NONE",
  "moratoriumEndDate": null,
  "restructuringStatus": "NONE",
  "ongoingLoans": [
    {
      "loanId": "loan-demo-01",
      "mambuId": "ledger-demo-01",
      "merchantName": "Example Merchant",
      "productName": "EMI 3 months",
      "loanAmount": 12000.0,
      "emiAmount": 4100.0,
      "dueDate": "2026-11-05",
      "amountPaid": 4100.0,
      "amountPending": 8200.0,
      "paidEmis": 1,
      "totalEmis": 3,
      "emiStatus": "DUE",
      "latePaymentCharges": 0.0,
      "activationDate": "2026-09-05"
    }
  ],
  "pastLoans": []
}

Account statement

GET /v1/borrowers/{borrowerId}/ledger-summary openfinance

Returns per-loan statements with loanDisplayId, balanceDue, amountPaid and a transactions list of type, amount, info and date.

Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.

loanId
loanDisplayId
balanceDue
amountPaid
totalAmount
merchantName
productName
mambuId
activationDate
transactions
info
type
amount
date

GET /v1/borrowers/borrower-demo/ledger-summary HTTP/1.1
Authorization: Bearer <access_token>

[
  {
    "loanId": "loan-demo-01",
    "loanDisplayId": "statement-demo-01",
    "balanceDue": 8200.0,
    "amountPaid": 4100.0,
    "totalAmount": 12300.0,
    "merchantName": "Example Merchant",
    "productName": "EMI 3 months",
    "mambuId": "ledger-demo-01",
    "activationDate": "2026-09-05",
    "transactions": [
      {
        "info": "EMI 1",
        "type": "REPAYMENT",
        "amount": 4100.0,
        "date": 1791158400000
      }
    ]
  }
]

Loan repayment schedule

GET /v1/borrowers/{borrowerId}/payment-calendar openfinance

Returns the EMI calendar as repayments of emiAmount, date, status and statusColor, plus lenderDetails.description for the funding NBFC.

Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.

lenderDetails
repayments
emiAmount
date
status
statusColor
iconUrl
description
deeplink
actionUrl

GET /v1/borrowers/borrower-demo/payment-calendar HTTP/1.1
Authorization: Bearer <access_token>

{
  "lenderDetails": {
    "iconUrl": "<lender_icon>",
    "description": "Example Funding NBFC",
    "deeplink": "<lender_details_action>",
    "actionUrl": "<next_action>"
  },
  "repayments": [
    {
      "emiAmount": 4100.0,
      "date": "2026-10-05",
      "status": "PAID",
      "statusColor": "#2E7D32"
    },
    {
      "emiAmount": 4100.0,
      "date": "2026-11-05",
      "status": "DUE",
      "statusColor": "#C62828"
    }
  ]
}

Personal-loan status
GET /v1/borrowers/{borrowerId}/cash-credit openfinance
Reads the cash personal-loan book: loanAmount, tenure, emiAmount, paidEmis versus totalEmis and amountPaid.
Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.
- status
- loanAmount
- amountPaid
- emiAmount
- totalEmis
- paidEmis
- tenure
- deeplink
- actionUrl
```
GET /v1/borrowers/borrower-demo/cash-credit HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "status": "ACTIVE",
  "loanAmount": 50000.0,
  "amountPaid": 8750.0,
  "emiAmount": 8750.0,
  "totalEmis": 6,
  "paidEmis": 1,
  "tenure": 6,
  "deeplink": "<personal_loan_action>",
  "actionUrl": "<next_action>"
}
```

Personal-loan EMI plans

GET /v1/borrowers/{borrowerId}/cash-tenures openfinance

Quotes cash-loan tenures as plEmiPlans of basketAmount with emiOptions of numberOfMonths and emiAmount.

Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.

merchantId
fetchAdditionalInfo
plEmiPlans
basketAmount
emiOptions
numberOfMonths
emiAmount
isSelected

GET /v1/borrowers/borrower-demo/cash-tenures HTTP/1.1
Authorization: Bearer <access_token>

{
  "merchantId": "merchant-demo-01",
  "fetchAdditionalInfo": 1,
  "plEmiPlans": [
    {
      "basketAmount": 50000.0,
      "isSelected": true,
      "emiOptions": [
        {
          "numberOfMonths": 3,
          "emiAmount": 17350.0,
          "isSelected": false
        },
        {
          "numberOfMonths": 6,
          "emiAmount": 8750.0,
          "isSelected": true
        }
      ]
    }
  ]
}

Basket EMI tenure options
GET /v1/borrowers/{borrowerId}/checkout-quotes/{amount} openfinance
Prices a merchant basket as EMI tenures with monthlyInstallment, downpayment, processingFee and schemeId for the selected tenure.
Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.
- basketAmount
- tenure
- monthlyInstallment
- downpayment
- processingFee
- interestFreeMonth
- schemeId
- isSelected
```
GET /v1/borrowers/borrower-demo/checkout-quotes/9000 HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "plans": [
    {
      "basketAmount": 9000.0,
      "tenure": 3,
      "monthlyInstallment": 3000.0,
      "downpayment": 0.0,
      "processingFee": 199.0,
      "interestFreeMonth": true,
      "schemeId": "scheme-demo-3m",
      "isSelected": true
    }
  ]
}
```
Revolving-credit outstanding
GET /v1/borrowers/{borrowerId}/revolving-balance openfinance
Reads the Bolt revolving line: approvedLimit versus outstandingAmount, with loanId, externalLoanId and status.
Auth: Authorization: Bearer <access_token> from the OAuth2 sign-in flow. The session includes expires_in, refresh_token and token_type; the borrower identifier comes from the token subject.
- loanId
- externalLoanId
- approvedLimit
- outstandingAmount
- status
```
GET /v1/borrowers/borrower-demo/revolving-balance HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "loanId": "line-demo-01",
  "externalLoanId": "external-demo-01",
  "approvedLimit": 50000.0,
  "outstandingAmount": 30000.0,
  "status": "ACTIVE"
}
```

Data categories

credit-limits
cibil-scores
emi-schedules
personal-loans
kyc-profile
repayments

Where teams use this data

BNPL headroom reconciliation
Nightly jobs pull availableCL, spendAmount and creditUtilizedPercent and match them to merchant EMI amountPending so finance teams see when a shopper can take another basket.
CIBIL eligibility bots
Origination desks watch creditScore, lastCheckedDate and isPersonalLoanEligible before pushing a cash-loan quote with loanAmount and tenure.
EMI collections calendar
Collectors join repayments.date / emiAmount / status with account-statement balanceDue and mambuId to schedule UPI or eNACH retries.
KYC-bank mandate audit
Compliance stacks keep pan, aadhaar, ifsc and accNum next to the funding lenderDetails.description for partner-NBFC reporting.

Frequently asked questions

Which borrower details accompany ZestMoney credit records?

The customer profile contains name, phone, email and dob alongside pan and aadhaar. Employment fields include empType, income, expense and organisation; the mandate-bank row contains accName, accNum, ifsc, accType and bank. Identity and banking values in the examples are placeholders.

How does the data describe CIBIL health and eligibility?

creditScore and creditHealth are dated by lastCheckedDate. currentOutstandingAmount, numberOfLoans, totalLoanAmount, numberOfCards and totalCardAmount describe credit exposure, while isPersonalLoanEligible records the cash-loan eligibility indicator.

How do merchant EMIs differ from cash personal-loan plans?

Merchant books separate ongoingLoans from pastLoans and include merchantName, emiAmount, dueDate, amountPending and mambuId. Cash-loan records track loanAmount, tenure, paidEmis and totalEmis, with plEmiPlans offering numberOfMonths and emiAmount. Checkout quotes add monthlyInstallment, downpayment and processingFee.

Where are repayments and the Bolt revolving balance represented?

The repayment calendar lists emiAmount, date, status and statusColor with lenderDetails. Statements pair balanceDue with dated transactions. The Bolt revolving-credit record compares approvedLimit with outstandingAmount and includes loanId, externalLoanId and status.

Apps similar to ZestMoney - Shop on easy EMIs

Snapmint — Snapmint is an Indian EMI shopping service that lets customers pay for mobiles, electronics and home goods over 3, 6, 9 or 12 months without a credit card.
axio — axio (CapFloat Financial Services) is an RBI-registered Indian NBFC that offers Buy Now Pay Later, EMI financing and personal loans, including products for Amazon Pay Later and Xiaomi users.
LazyPay — PayU Finance, the RBI-registered Indian NBFC behind LazyPay, offers checkout EMI of 3–12 months and transactional credit with billing cycles of up to 30 days.
Bajaj Finance Insta EMI Card — Bajaj Finance's Insta EMI Card is a card loan of up to ₹6 lakh for shopping now and paying later, accepted at over 1.5 lakh partner outlets across 4,000+ Indian cities.
KreditBee — KreditBee is an Indian digital-lending app that arranges unsecured personal loans of ₹3,000 to ₹10 lakh over 3–60 months from RBI-registered banks and NBFCs.
Kissht: Instant Personal Loans — Kissht is an Indian digital-lending app from OnEMI Technology Solutions that offers unsecured personal and business loans of up to ₹5 lakh with tenures of 6–60 months.
Fibe — Fibe (EarlySalary Services) is an Indian lending app for unsecured personal loans of up to ₹10 lakh over 6–36 months, plus purpose-driven BNPL EMIs for education, healthcare, travel and e-commerce.
MoneyTap -Credit Loan Payments — MoneyTap (now Freo Credit) is an Indian credit-line app that lets users draw from a limit of up to ₹5 lakh and repay over 3–36 months, paying interest only on the amount used.

More Lending apps

Topics

zestmoney api
zestmoney bnpl credit data
dmi finance emi
zestmoney cibil credit health
india instalment repayment data
zestmoney personal loan tenures
zestmoney revolving credit

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ZestMoney BNPL, EMI and CIBIL APIs

Screenshots

API surface

Issue access token

Request login OTP

Customer profile

Credit-limit statuses

CIBIL credit-score screen

Customer loan books

Account statement

Loan repayment schedule

Personal-loan status

Personal-loan EMI plans

Basket EMI tenure options

Revolving-credit outstanding

Data categories

Where teams use this data

BNPL headroom reconciliation

CIBIL eligibility bots

EMI collections calendar

KYC-bank mandate audit

Frequently asked questions

Apps similar to ZestMoney - Shop on easy EMIs

More Lending apps

BAF Mobile - Cicilan Pinjaman

Bright: Loans & Credit Builder

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

Topics

Need this app's data API integrated?

ZestMoney BNPL, EMI and CIBIL APIs

Screenshots

API surface

Issue access token

Request login OTP

Customer profile

Credit-limit statuses

CIBIL credit-score screen

Customer loan books

Account statement

Loan repayment schedule

Personal-loan status

Personal-loan EMI plans

Basket EMI tenure options

Revolving-credit outstanding

Data categories

Where teams use this data

BNPL headroom reconciliation

CIBIL eligibility bots

EMI collections calendar

KYC-bank mandate audit

Frequently asked questions

Related apps

Apps similar to ZestMoney - Shop on easy EMIs

More Lending apps

BAF Mobile - Cicilan Pinjaman

Bright: Loans & Credit Builder

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

Topics

Need this app's data API integrated?