ULI brings together financial services companies (FIPs) and multiple data providers through a standardized, protocol-driven architecture and an open application programming interface (API) framework. | Photo credit: PRASHANTH VISHWANATHAN
These lenders are using over 136 data services through ULI for 12 different types of loan journeys, including authentication and verification services, land registration data from eight states, satellite services, transliteration, property search services, dairy insights and credit underwriting, the RBI said, adding that more data services and data sources are being integrated on the platform to enable efficient credit assessment and decision-making. However, the RBI has not provided data on the total value of loans sanctioned through the ULI platform.
ULI brings together financial services companies (FIPs) and multiple data providers through a standardized, protocol-driven architecture and an open application programming interface (API) framework.
Operating on a plug-and-play model, ULI eliminates the need for complex one-to-one integrations between lenders and data providers, allowing lenders to connect to the platform once and access a range of data needed for efficient credit assessments. Through the e-KCC platform of the National Bank for Agriculture and Rural Development (Nabard), ULI is also expanding its reach to customers banking with central cooperative banks in districts and RRBs, the RBI said.
Published on December 29, 2025
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