Employment Verification API — UAN & EPFO
How lenders use UAN-based employment verification to confirm income, tenure, and employment status — replacing manual document checks.
Why Employment Verification Matters
Employment verification is a critical step in credit underwriting. A borrower's ability to repay a loan is directly tied to their employment stability and income level. Without reliable employment data, lenders rely on self-declared salary slips and employment letters — documents that are trivially forged and expensive to verify manually.
In India, the Employees' Provident Fund Organisation (EPFO) maintains records of every formal-sector employee through the Universal Account Number (UAN) system. This creates a government-verified employment database that lenders can tap into programmatically.
An Employment Verification API transforms what used to be a 3–5 day manual process (collecting documents, calling employers, waiting for HR responses) into a real-time API call. The response includes employment status, employer name, tenure, PF contribution history, and estimated income — all sourced directly from EPFO records.
This is especially valuable for digital lenders processing thousands of applications daily, where manual verification is a bottleneck that directly impacts customer experience and approval turnaround time.
UAN & EPFO Explained
Universal Account Number (UAN)
12-Digit Identifier — Every employee in the EPF system is assigned a UAN that stays with them across job changes.
Aadhaar-Linked — UAN is linked to Aadhaar, enabling identity verification alongside employment verification.
Portable — The same UAN tracks contributions across multiple employers, providing a complete employment history.
EPFO Contribution Records
Monthly Contributions — Employer and employee PF contributions are reported monthly, creating a contribution timeline.
Income Derivation — PF contributions are a percentage of basic + DA, enabling income estimation from contribution amounts.
Employer Mapping — Each contribution is attributed to a specific employer establishment, enabling employer verification.
What the API Returns
Use in Underwriting
Income Verification — Replace salary slips with EPFO-derived income estimates that cannot be forged.
Employment Stability — Tenure at current employer signals stability. Frequent job changes increase risk.
Income Growth — Contribution trends reveal whether income is growing, stable, or declining over time.
Debt-to-Income — Verified income enables accurate DTI calculation — the most critical underwriting metric.
Fraud Detection — Cross-reference claimed employer against EPFO records. Mismatches indicate potential fraud.
Gig Worker Assessment — PF records can verify employment history for gig and contract workers applying for credit.
Integration Steps
# Verify employment via UAN curl --request POST \ --url https://api.scofit.app/v1/employment/verify \ --header 'Authorization: Bearer sk_live_...' \ --header 'Content-Type: application/json' \ --data '{ "uan": "100123456789", "consent": "yes", "purpose": "loan_underwriting" }' # → Response { "uan_active": true, "current_employer": "TechCorp Solutions Pvt Ltd", "employment_status": "ACTIVE", "tenure_months": 38, "estimated_monthly_income": "₹82,000", "pf_balance": "₹2,45,000", "income_stability_score": 0.89 }
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