My EMI Pay
  1. Application journey
  • My-EMI Lending API
  • System
    • Health check
      GET
  • Products
    • List published loan products
      GET
  • Auth
    • Request OTP
      POST
    • Verify OTP
      POST
    • Refresh tokens
      POST
    • Select a family account after OTP
      POST
    • Add a family member on this phone
      POST
    • Logout
      POST
    • Send email verification link
      POST
    • Email verification status
      GET
    • Confirm email verification (Bearer)
      GET
    • Confirm email verification token (Bearer)
      POST
    • iOS Universal Links association
      GET
    • Android App Links association
      GET
    • List family profiles on this phone
      GET
  • Profile
    • Get customer profile
    • Update customer profile
  • Applications
    • Get current application screen
    • Begin verification
    • Verify PAN
    • Acknowledge credit score
    • Accept offer
    • Create loan
    • Request payout
  • Application journey
    • Application journey
      GET
    • Start PAN KYC via DigiLocker
      POST
    • PAN KYC status
      GET
    • Start Aadhaar KYC via DigiLocker
      POST
    • Aadhaar KYC status
      GET
    • Edit Aadhaar communication address
      POST
    • Verify bank account (KYC)
      POST
    • Start eSign
      POST
    • eSign status
      GET
    • Bureau report
      GET
    • Loan eligibility
      GET
    • Complete PAN KYC (poll DigiLocker)
      POST
    • Complete Aadhaar KYC (poll DigiLocker)
      POST
    • Pull bureau report
      POST
  • Applications (staff)
    • Pull bureau (staff/system)
    • Evaluate and sanction (staff/system)
    • Cancel application (staff/system)
  • Applications (deprecated)
    • Get application screen by id (deprecated)
    • Begin verification (by id) (deprecated)
    • Verify PAN (by id) (deprecated)
    • Acknowledge credit score (by id) (deprecated)
    • Accept offer (by id) (deprecated)
    • Create loan (by id) (deprecated)
    • Request payout (by id) (deprecated)
  • Webhooks
    • Resolve or fail bureau claim
    • Resolve or fail KYC claim
    • Resolve or fail eSign claim
    • Resolve or fail income claim
  • Ops
    • Dispatch due outbox handlers
    • Poll workflow timers
    • Redrive dead-letter handler
  1. Application journey

Pull bureau report

POST
https://api-dev.myemipay.com/application/bureau
Last modified:2026-09-14 00:21:48
Pull bureau report
Description: the credit-score screen needs facts (score, accounts, DPD). Acknowledge is blocked until the score is ready (credit_score_not_ready).
Usage: after PAN KYC succeeded. Journey bureau. This is the customer write that pulls the report.
Details: pulls when PAN is verified and phone is on the OTP session. Same JSON as GET. Staff can also pull via POST /applications/{id}/verify-bureau.
Next: POST /applications/acknowledge-credit-score. That still does not create an offer — staff evaluate does.
Auth: Authorization: Bearer {{accessToken}}
Errors: 401 unauthorized | session_expired · 409 step_not_ready

Request

Authorization
Provide your bearer token in the
Authorization
header when making requests to protected resources.
Example:
Authorization: Bearer ********************
Header Params

Responses

🟢200Bureau ready
application/json
Bodyapplication/json

🟠401Unauthorized
🟠409Step not ready
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api-dev.myemipay.com/application/bureau' \
--header 'Authorization: Bearer <token>'
Response Response Example
200 - Bureau ready
{
  "status": "ready",
  "score": 750,
  "activeAccounts": 2,
  "overdueAccounts": 0,
  "worstDpdDays": 0
}
Modified at 2026-09-14 00:21:48
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