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Charge Service: PreDisbursal Charge Details

POST PreDisbursal Charge Details

This API retrieves pre-disbursal charge details for a specific loan scheme. Users provide scheme information along with loan details such as the number of properties, loan amount, and state through a POST request. Optional fields for computed_on_value and slab_value are available for additional computation parameters if required. The response includes detailed information about applicable charges, including descriptions, computed amounts, tax applicability, and charge codes.

Attribute Priority: Attributes scheme and charge code need to be added and configured using the admin panel.

URL: {{base_url}}/charges/v1/getPreDisbursalChargeDetails

Run in Postman: PreDisbursal Charge Details

Request: 

Request Type: POST
Authorization: Bearer Token

Query Params:
Schema
Attribute Data Type Description Mandatory
scheme String The unique identifier for the loan scheme. Yes
charge_code String The code identifying the specific charge associated with the scheme. Yes
input Object Contains details relevant to the loan, including the number of properties, loan amount, and state. Yes
computed_on_value Object Optional: Provides additional parameters for computation, including sanctioned amount, principal outstanding, etc. No

Attribute: computed_on_value
Attribute Data Type Description Mandatory
sanctioned_amount Double The amount of money officially approved for the loan. No
principal_outstanding Double The remaining principal amount of the loan that has not been paid off. No
part_prepayment_amount Double The amount of money paid towards the loan as a partial prepayment. No
gross_prepayment_amount Double The total amount of money paid towards the loan as prepayment. No
total_overdue Double The total amount of money that is past due and has not been paid on time. No
rate_of_interest Double The percentage rate at which interest is charged on the loan. No
balance_principal Double The remaining principal balance of the loan. No
disbursal_amount Double The amount of money disbursed for the loan. No
requested_amount Double The amount of money requested for the loan. No
instrument_amount Double The total amount of money received as a financial instrument. No
outstanding_installment_amount Double The remaining amount of money that needs to be paid for the loan in installments. No
receipt_amount Double The total amount of money received as a receipt. No
slab_value Object Optional: Offers further parameters for computation, such as loan or draw-down amount, receipt amount, etc. No

Attribute: slab_value
Attribute Data Type Description Mandatory
loan_or_draw_down_amount Double The amount of money disbursed or drawn down for the loan. No
receipt_amount Double The total amount of money received as a receipt. No
balance_principal Double The remaining principal balance of the loan. No
principal_outstanding Double The remaining principal amount of the loan that has not been paid off. No
balance_tenure Double The remaining tenure or duration of the loan. No
billed_tenure Double The tenure or duration of the loan that has been billed. No
gross_prepayment_amount Double The total amount of money paid towards the loan as prepayment. No
Body 
{
    "scheme": "TW100046",
    "charge_code" : "unsecured_pl",
    
    "input": {
        "no_of_properties": "11",
        "loan_amount": "350000",
        "state": "karnataka"
    },
     //Optional 
    "computed_on_value": {
        "sanctioned_amount": 0.0,
        "principal_outstanding": 0.0,
        "part_prepayment_amount": 0.0,
        "gross_prepayment_amount": 0.0,
        "total_overdue": 0.0,
        "rate_of_interest": 0.0,
        "balance_principal": 0.0,
        "disbursal_amount": 0.0,
        "requested_amount": 0.0,
        "instrument_amount": 0.0,
        "outstanding_installment_amount": 0.0,
        "receipt_amount": 0.0
    },
     //Optional 
    "slab_value": {
        "loan_or_draw_down_amount": 0.0,
        "receipt_amount": 0.0,
        "balance_principal": 0.0,
        "principal_outstanding": 0.0,
        "balance_tenure": 0.0,
        "billed_tenure": 0.0,
        "gross_prepayment_amount": 0.0
    }
}

Response:

Success: 200 OK
Schema
Attribute
 Type Description
 Mandatory
response
 Boolean true Yes
data
 Object Success Response Object
 Yes


Success Response Attribute
  • description
  • computedOn
  • computedAmount
  • chargeRate
  • chargeType
  • isActive
  • isTaxApplicable
  • computedOnAmount
  • amountBased
  • rateBased
  • effectiveChargeRate
  • taxableAmount
  • taxAmount
  • chargeCode
  • chargeAmount
  • chargeStage
  • computationType
  • excludeCalculation
error
 Object Error Response Object (null) Yes
Body 
{
    "response": true,
    "data": [
        {
            "description": "Charge",
            "computedOn": null,
            "computedAmount": 94.0,
            "chargeRate": 0.0,
            "chargeType": "amount_based",
            "isActive": null,
            "isTaxApplicable": true,
            "computedOnAmount": null,
            "amountBased": null,
            "rateBased": null,
            "effectiveChargeRate": null,
            "taxableAmount": 80.0,
            "taxAmount": 14.4,
            "chargeCode": "charge001",
            "chargeAmount": 94.0,
            "chargeStage": "predisbursal",
            "computationType": null,
            "excludeCalculation": false
        },
        {
            "description": "test",
            "computedOn": null,
            "computedAmount": 5900.0,
            "chargeRate": 0.0,
            "chargeType": "amount_based",
            "isActive": null,
            "isTaxApplicable": true,
            "computedOnAmount": null,
            "amountBased": null,
            "rateBased": null,
            "effectiveChargeRate": null,
            "taxableAmount": 5000.0,
            "taxAmount": 900.0,
            "chargeCode": "test_charge",
            "chargeAmount": 5900.0,
            "chargeStage": "predisbursal",
            "computationType": null,
            "excludeCalculation": false
        }
    ],
    "error": null
}
Internal Server Error: 200
Schema
Error Response Code and Messages
S. No Code Message Description
1.
1017000
An Exception occurred in fetching data.
 This occurs when an attribute can be null, empty, or not available for configuration in the masters.
2.
1015000
 Charge Code is not present on request Appears when receipt cancellation ('receipt_cancellation_date') is not initiated in the current business date.
Attribute
 Type Description
 Mandatory
response
 Boolean true Yes
data
 Object Fail Response Object
 Yes

error

 Object
Error : Fail Response Attribute
code Please Refer Error Response Code and Messages
text
Yes
Body 
{
    "response": false,
    "data": null,
    "error": {
        "code": 1017000,
        "text": "An Exception occurred in fetching data",
        "detail": null,
        "validation": null
    }
}

Unauthorized: 401

Note: If the API is not authorized with the Token or if the authorization token has expired, this error is going to show up.

Body 
{
    "code": 401,
    "message": "auth fail, you can retry!"
}

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