Tartan’s Product Update — April 2023

Hello there,

Welcome back to our April 2023 product update. This month, we’re introducing two important additions to our verification suite—both focused on helping businesses evaluate financial credibility more accurately and reduce fraud at the onboarding stage.

From income validation using official tax records to real-time vehicle ownership verification, these updates are designed to strengthen trust, improve decision quality, and simplify verification workflows across lending, insurance, and marketplace use cases.

ITR Filing Data Pull API

Reliable income assessment using official tax records

We’re introducing the Income Tax Return (ITR) Filing Data Pull API, built to help businesses evaluate customer financial information with greater reliability, speed, and ease.

With this API, businesses can securely assess a customer’s financial position by verifying ITR details using their PAN number and OTP authentication on the linked mobile number. This allows teams to access verified tax filing data directly from authoritative sources—without relying on manual document uploads or prolonged verification cycles.

How it helps

• Assess income and financial stability using officially filed tax data

• Reduce dependency on self-declared or unverifiable income information

• Improve underwriting, eligibility checks, and risk assessment

• Eliminate manual effort involved in collecting and reconciling ITR documents

The API follows a plug-and-play integration approach, making it quick and hassle-free for engineering teams to implement. All required data is extracted securely from the backend, allowing businesses to focus on core operations rather than verification complexity.

Why it matters

Income verification is a critical input across lending, insurance, and financial services—but traditional methods are often slow, document-heavy, and prone to inconsistencies.

With Tartan’s ITR Filing Data Pull API, businesses can:

• Speed up onboarding and underwriting timelines

• Improve accuracy and consistency in financial evaluations

• Reduce fraud and misrepresentation risks

• Deliver a smoother, more transparent customer experience

Try Tartan’s Income Tax Return API today to experience a faster, more reliable way to evaluate customer financial information.

Prevent Fraud and Mitigate Risk with Vehicle RC Verification

Real-time vehicle ownership and liability checks

In addition to income verification, we’re also introducing Tartan’s Vehicle RC Verification API, designed to minimize fraud during the onboarding of vehicle owners and asset-backed workflows.

This API establishes a direct, verifiable link between a vehicle and its registered owner, providing accurate information on:

• Vehicle ownership details

• Registration history

• Outstanding liabilities and pending challans

By validating these details in real time, businesses can significantly reduce fraud risk and improve confidence in asset-linked decisions.

Built for multiple industry use cases

The Vehicle RC Verification API is highly versatile and can be used across a wide range of industries, particularly those that need to cross-verify vehicle and owner details. Common use cases include:

• Seller onboarding for mobility and marketplace platforms

• Vehicle-backed lending and financing

• Insurance underwriting and policy issuance

• Risk checks during resale or secondary market transactions

During seller onboarding, businesses can seamlessly verify ownership history, identify discrepancies, and surface red flags early—before exposure is created.

Stronger underwriting and fraud prevention

For insurance and loan underwriting workflows, the API helps businesses:

• Identify stolen or disputed vehicles

• Verify RC authenticity and ownership in real time

• Eliminate impersonation and document-level fraud

This enables faster, more informed decisions while ensuring that only legitimate vehicles and owners are onboarded.

Why these updates matter

Together, the ITR Filing Data Pull API and Vehicle RC Verification API help businesses:

• Strengthen verification accuracy using trusted data sources

• Reduce fraud and risk exposure early in the journey

• Shorten onboarding and underwriting timelines

• Improve trust and customer experience

Explore Tartan’s new Income Tax Return API and Vehicle RC Verification API to build verification workflows that are faster, more reliable, and fraud-resistant—without adding operational complexity.