Tranche Creation API

Once you have received approval from the GET API of the loan, you can create and trigger loan tranche disbursal.

POST /api/v1/client/line/<lead_id>/tranche/

{
  "bank_account": {
		"ac_number": "<bank account number>",
		"ifsc_code": "<IFSC code of customer>",
		"nach_umrn": "<NACH UMRN of the given bank account>",
		"nach_type": "<physical/api-mandate>",
		"ac_name": "<name of the customer in bank account>",
        "upi_vpa": "<enter the UPI/VPA ID>"
	},
	"invoice": {
		"invoice_id": "< invoice id >",
		"invoice_amount": "< invoice amount >",
		"invoice_date": "< date of the invoice >"
	},
	"partner_tranche_id": "<tranche id at the partner side>",
	"disbursal_detail": {
		"date": "<Date of tranche>",
		"amount": "<Amount to be released>",
		"disbursal_type": "<principal>",
		"processing_fee": "<processing fee>",
		"pre_emi": "<pre emi>",
		"gst": "<GST on the processing fee collected>",
		"subvention": "<Subvention amount, if any>",
		"upfront_emi": "<Upfront EMI, if any>",
		"downpayment": "<Downpayment, if any>",
		"insurance": "<Insurance, if any>"
	},
	"repayment_schedule": [{
		"due_date": "<Due Date, when EMI is due>",
		"due_amount": "<Due Amount, which customer has to pay>",
		"principal_amount": "<Principal amount>",
		"interest_amount": "<Interest amount>"
	}],
	"additional_variables": {}
}

The payload should contain the file as the file name and the same file name should be uploaded in the API.

Sample response:

{
	"is_success": true,
	"data": {
		"tranche_id": <id of the tranche>
	}
}

Error Scenario - Partner Tranche ID is resent.

There might be a scenario, wherein the Tranche creation API is triggered twice, and since Partner Tranche ID is unique for every drawdown, we will raise the following error.

This will raise a 400 status code.

{
  "is_success": false,
  "error": {
    "message": "Partner Tranche ID already exists.",
    "code": "duplicate_partner_tranche_id",
    "details": {
      "tranche_id": "82a332e6-099f-4b36-acb4-d7c74214aa92"
    }
  }
}