Signzy ITR & 26AS API

• The Signzy ITR & 26AS API allows lenders and financial service providers to fetch verified income tax data directly from government-authorized sources with user consent. This includes Income Tax Returns (ITR) and Form 26AS, offering a comprehensive view of an individual’s reported income, tax deductions, and TDS credits. The API streamlines credit assessment by automating income verification with authenticated tax data.

Major Customer

• IndusInd Bank, KreditBee, MoneyTap, Hero FinCorp, IIFL Finance

• These organizations use the Signzy ITR & 26AS API to reduce dependency on manual document collection and accelerate income verification in loan processing.

Fees

• (Signzy) provides a usage-based pricing model, scalable to your verification volume and frequency.

• (Contact us) for a customized pricing proposal based on your business requirements.

Features & Integrations

• Direct Government Fetch: Retrieves data from the Income Tax Department with user authentication
• Full ITR Access: Access all ITR forms including ITR-1 to ITR-4
• Comprehensive 26AS Data: Extracts TDS, TCS, advance tax, refunds, and high-value transactions
• User Consent Architecture: Fully compliant with India’s digital consent norms
• Plug & Play Integration: Easily integrates into your LOS, CRM, or decisioning engine
• Normalized Output: Parsed and standardized data for easy processing and credit scoring

Use Cases for The Signzy ITR & 26AS API

• Income Verification for Lending: Fetch and validate declared income directly from Income Tax Returns (ITR) and Form 26AS for personal and business loan underwriting.
• Credit Risk Assessment: Use detailed tax data (like TDS, advance tax, refunds) to evaluate borrower income stability, tax compliance, and financial health.
• Alternate Credit Scoring: Assess self-employed or non-salaried individuals using tax filing data when traditional bureau scores are unavailable.
• SME Loan Evaluation: Retrieve multiple years of ITR filings to analyze business turnover, profit margins, and tax liabilities for MSME borrowers.
• Instant Eligibility Checks: Enable quick lending decisions by verifying tax data in real time via API rather than manual document uploads.
• Insurance Underwriting: Use tax documents to verify declared income before issuing high-value life or health insurance policies.
• Credit Card Issuance: Verify tax compliance and income proof for issuing premium or unsecured credit cards.
• Fraud Detection: Identify mismatches between declared income and filed ITRs or suspicious activity in 26AS reports.
• Digital Onboarding for Investment Platforms: Verify investor income tiers and tax history for onboarding into mutual funds, PMS, or alternate investment products.
• Regulatory Reporting & Compliance: Maintain audit trails with verified tax documents as part of KYC and AML compliance workflows.

Advantages of Using Signzy ITR & 26AS API

• Verified Income Data: Base credit decisions on tax-return-backed financial proof

• Faster Loan Approvals: Replace manual uploads with instant, authorized data retrieval

• Improves Accuracy: Eliminates discrepancies common with self-declared income documents

• RBI-Compliant & Secure: Adheres to data protection and digital consent mandates

• Tech-Friendly Deployment: RESTful API with clear documentation and low setup effort

• If your business needs a reliable, secure, and compliant method to fetch ITR and tax data for credit assessment, the Signzy ITR & 26AS API is a trusted solution for modern lending operations in India.