post https://api-staging.pluralonline.com/api/v1/emi/calculator
EMI Calculator as the name suggests provides a platform /API information exchange to display various EMI offers details. This is to fetch the offers details for Single Cart Model. The single Cart Model is the one in which only a single product is added to the cart.
Request Parameters:
| Attribute | Type | Details |
|---|---|---|
| merchant_id* | integer | merchant_id is the unique identifier of the merchant. This id is assigned to you by Plural. You can find merchant_id under the credentials section of the settings section of Plural Console dashboard. |
| amount_in_paisa | long | Amount is paise |
| product_code* | string | Product code is the unique identifier of the product on which the offers details are intended to be fetched. |
| product_amount* | long | Product amount in paise |
Request Body payload:
{
"merchant_data": {
"merchant_id": 11565
},
"payment_data": {
"amount_in_paisa": 2000000
},
"product_details": [
{
"product_code": "testproduct01",
"product_amount": 2000000
}
]
}
Response Payload:
{
"issuer": [
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 1,
"additional_cashback": "Rs1000 Additional Cashback",
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 48974
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666658,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 48974,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 1951000,
"auth_amount": 1951000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 90000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 45000,
"product_discount_percentage": 0,
"subvention_type": 1,
"additional_cashback": "Rs2000 Additional Cashback",
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 84424
}
],
"emi_scheme": null
},
"tenure_id": "6",
"tenure_in_month": "6",
"monthly_installment": 332404,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 84424,
"total_offerred_discount_cashback_amount": 90000,
"loan_amount": 1910000,
"auth_amount": 1910000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 2,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 127069
}
],
"emi_scheme": null
},
"tenure_id": "9",
"tenure_in_month": "9",
"monthly_installment": 236341,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 127069,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 2000000,
"auth_amount": 2000000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"additional_cashback": "Rs.5000 additional discount cashback",
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 205780
}
],
"emi_scheme": null
},
"tenure_id": "15",
"tenure_in_month": "15",
"monthly_installment": 147052,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 205780,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 2000000,
"auth_amount": 2000000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"additional_cashback": "Rs.5000 additional discount cashback",
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 245842
}
],
"emi_scheme": null
},
"tenure_id": "18",
"tenure_in_month": "18",
"monthly_installment": 124769,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 245842,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 2000000,
"auth_amount": 2000000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"bank_interest_rate_percentage": 0,
"bank_interest_rate": 0
}
],
"emi_scheme": null
},
"tenure_id": "96",
"tenure_in_month": "1",
"monthly_installment": 0,
"bank_interest_rate": 0,
"interest_pay_to_bank": 0,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 2000000,
"auth_amount": 2000000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47049",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 2,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 179333
}
],
"emi_scheme": null
},
"tenure_id": "1086",
"tenure_in_month": "13",
"monthly_installment": 167641,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 179333,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 2000000,
"auth_amount": 2000000
}
],
"issuer_name": "HDFC",
"is_debit_emi_issuer": false
},
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47035",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 1,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 48974
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666658,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 48974,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 1951000,
"auth_amount": 2000000
}
],
"issuer_name": "ICICI",
"is_debit_emi_issuer": false
},
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47031",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 1,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 48974
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666658,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 48974,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 1951000,
"auth_amount": 2000000
}
],
"issuer_name": "AXIS",
"is_debit_emi_issuer": false
},
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47064",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 53000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 26500,
"product_discount_percentage": 0,
"subvention_type": 1,
"additional_cashback": "Rs 1000 Additional Cashback",
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 52146
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666382,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 52146,
"total_offerred_discount_cashback_amount": 53000,
"loan_amount": 1947000,
"auth_amount": 1947000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47064",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 53000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 26500,
"product_discount_percentage": 0,
"subvention_type": 2,
"additional_cashback": "Rs 1500 Additional Cashback",
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 94360
}
],
"emi_scheme": null
},
"tenure_id": "6",
"tenure_in_month": "6",
"monthly_installment": 349060,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 94360,
"total_offerred_discount_cashback_amount": 53000,
"loan_amount": 2000000,
"auth_amount": 2000000
},
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47064",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 0,
"product_discount": 0,
"subvention_cashback_discount_percentage": 0,
"product_discount_percentage": 0,
"subvention_type": 3,
"bank_interest_rate_percentage": 160000,
"bank_interest_rate": 135682
}
],
"emi_scheme": null
},
"tenure_id": "9",
"tenure_in_month": "9",
"monthly_installment": 237298,
"bank_interest_rate": 160000,
"interest_pay_to_bank": 135682,
"total_offerred_discount_cashback_amount": 0,
"loan_amount": 2000000,
"auth_amount": 2000000
}
],
"issuer_name": "HDFC Bank Debit Card",
"is_debit_emi_issuer": true
},
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47034",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 1,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 48974
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666658,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 48974,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 1951000,
"auth_amount": 2000000
}
],
"issuer_name": "KOTAK",
"is_debit_emi_issuer": false
},
{
"list_emi_tenure": [
{
"offer_scheme": {
"product_details": [
{
"schemes": [
{
"scheme_id": "47036",
"program_type": 106,
"is_scheme_valid": true
}
],
"product_code": "testproduct01",
"product_name": "testproduct01",
"product_amount": 2000000,
"subvention_cashback_discount": 49000,
"product_discount": 0,
"subvention_cashback_discount_percentage": 24500,
"product_discount_percentage": 0,
"subvention_type": 1,
"bank_interest_rate_percentage": 150000,
"bank_interest_rate": 48974
}
],
"emi_scheme": null
},
"tenure_id": "3",
"tenure_in_month": "3",
"monthly_installment": 666658,
"bank_interest_rate": 150000,
"interest_pay_to_bank": 48974,
"total_offerred_discount_cashback_amount": 49000,
"loan_amount": 1951000,
"auth_amount": 2000000
}
],
"issuer_name": "YES",
"is_debit_emi_issuer": false
}
],
"acquirer_data": {
"acquirerId": 8004
},
"response_code": 1,
"response_message": "SUCCESS"
}
{
"error_code": "14845",
"error_message": "Request Data is not valid"
}
{
"error_code": "14020",
"error_message": "Oops, something went wrong!"
}