---
title: "Combined Credit Snapshot"
method: POST
path: "/backend/{gatewayname}/v1/combinedCreditSnapshot"
---

# Combined Credit Snapshot

`POST /backend/{gatewayname}/v1/combinedCreditSnapshot`

## Request

- Base URL: `https://api.unity.smallcase.com`
- URL: `https://api.unity.smallcase.com/backend/{gatewayname}/v1/combinedCreditSnapshot`
- Auth: none required

The single source of truth for the landing page UI. One request returns the user's identity, all loans, journey states, eligibility per asset class, and any in-progress top-up references.

## Path parameters

- `gatewayname` string, required

## Headers

- `x-gateway-secret` string, required
- `x-gateway-authtoken` string, required

## Request body

- object
  - `unityUserId` string: Omit for pre-onboarding pure eligibility (user will be null). Include once Create User has returned an ID — required to fetch user state + loans
  - `stockHoldings` object[]: Pass to compute STOCKS eligibility. Each entry must include dpId. See holding shape below.
    - `assetType` string, required: Constant STOCKS.
    - `isin` string, required: ISIN. Can appear multiple times if the stock is in multiple smallcases.
    - `quantity` number, required: Total quantity held.
    - `isDemat` string, required: Always true for STOCKS.
    - `dpId` string, required: The DP ID for the demat account.
    - `iscid` string: Empty for externally held; populated for smallcase holdings.
    - `lockInQuantity` number: Deducted from quantity for eligibility math.
  - `mfHoldings` object[]: Pass to compute MUTUAL FUND eligibility. See holding shape below.
    - `assetType` string, required: Constant MUTUALFUND.
    - `isin` string, required: ISIN of the mutual fund.
    - `quantity` number, required: Total quantity held.
    - `isDemat` boolean, required: Whether held in demat form.
    - `lockInQuantity` number: Deducted from quantity for eligibility math.
  - `brokerHoldings` object[]: Broker raw holdings (currently kite) for cross-validation against stockHoldings.
  - `aggregateFunds` boolean: When true, MF distribution is aggregated by ISIN. No effect on STOCKS.
  - `pan` string: User's PAN
  - `age` number: Validated against the lender's allowed age range when provided.
  - `isNri` boolean: Use isNri — isNRI is deprecated. NRI users rejected with not_eligible_wrt_nri_status (4407).
  - `name` string: User's name.
  - `referrer` string: Defaults to your partner name.

## Response `200`

Pre-onboarding (no unityUserId)

- object
  - `data` object
  - `message` string
  - `code` integer

---

[API](https://skmtc.dev/smallcase/apis/sib-lsp.md) - [All operations](https://skmtc.dev/smallcase/apis/sib-lsp/llms.txt) - [OpenAPI document](https://skmtc.dev/smallcase/apis/sib-lsp/revisions/e943c44c35f5?raw)