What is the difference between KYC and KYB?

KYC verifies an individual. KYB verifies a business entity and the people who control it. A business onboarding usually needs both: KYB to confirm the entity exists and is active, and KYC on the directors or signatories who are actually transacting.

Does this cover LLPs and partnerships as well as companies?

Coverage follows what is filed with the MCA. Registered companies and LLPs carry identifiers that resolve cleanly. Unregistered partnerships and sole proprietorships do not have an MCA record to resolve against, and are usually verified through GST registration or Udyam registration instead.

How current is MCA data?

It reflects what has been filed, so it lags reality by the filing cycle. A directorship that changed last week may not appear yet. For decisions sensitive to very recent change, treat the record as evidence of the filed position rather than as a real-time state.

Company Verification API — KYB for Indian Business

API Category · KYB

Know the business, not just the person signing for it. Resolve a company from a PAN, a name or a CIN, and see who is actually behind it.

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In short

Company verification — know-your-business, or KYB — confirms that a business entity exists, is active and is controlled by the people claiming to control it. FinHub resolves companies from a PAN, name or CIN against MCA records and maps the directors behind them via DIN lookups in both directions.

Resolve a company from PAN, name or CIN
Map directors to companies and companies to directors via DIN
Full corporate detail: status, incorporation date, registered office, charges
Consent artefact on every call and a tamper-evident audit trail

6 APIs

Every API in Company & Director Verification

One integration, one authentication and one response shape across the whole category.

Company VerificationBusiness · KYB

PAN to CompanyBusiness · KYB

PAN to DINCompany Verification

DIN to PANCompany Verification

Company SearchCompany Verification

Company DetailsCompany Verification

Reference

What each API returns

The endpoint and the fields that come back, so you can size the integration before you write any code.

API	Endpoint	Key fields returned
Company Verification	POST /v1/business/company/verify	Registered name & status · Incorporation date · Director details · Compliance flags
PAN to Company	POST /v1/kyb/pan-to-company	Linked companies · Company status (active/struck-off/dormant) · Director involvement across companies · Risk indicators
PAN to DIN	POST /v1/kyb/pan-to-din	Din list · Director name · Din status (Active/Disqualified/Lapsed) · Linked company count · As of date
DIN to PAN	POST /v1/kyb/din-to-pan	Pan · Director name · Din status · Date of appointment · Verification timestamp
Company Search	POST /v1/kyb/company-search	Companies · Match score · Registered state · Result count
Company Details	POST /v1/kyb/company-details	Company name · Directors · Registration details · Financial summary · Compliance status

Why is KYB harder than KYC?

Verifying a person is a single hop: an identifier resolves to a record. Verifying a business is a graph. A borrower is a private limited company, whose directors are individuals, some of whom are directors of other companies, one of which is the actual counterparty in the transaction you are underwriting.

That graph is where the risk hides. A company that looks clean can have directors who are disqualified elsewhere, or share a registered address and a director with entities that have defaulted. Bidirectional DIN lookups — company to directors, director to companies — are what make that traversable rather than a manual MCA search.

Which identifier should you start a KYB check from?

If you hold a PAN, start there. PAN-to-company is the cleanest resolution because the PAN is unique to the entity and the mapping is unambiguous.

Company search by name is for the case where a customer has typed a business name into a form. Expect multiple candidates for common names and build a disambiguation step rather than taking the first result.

If you already hold a CIN, company details returns the full record directly with no resolution step. CINs also encode structure — state of registration, listing status, year of incorporation — which is useful for validating that a CIN is plausible before you spend a call on it.

Terms

Terms worth getting right

The distinctions that decide whether a flow stands up under examination.

CIN: Corporate Identity Number — the 21-character identifier the MCA assigns to a registered company, encoding listing status, industry, state, year of incorporation and a sequential number.
DIN: Director Identification Number — a unique identifier for an individual director, stable across every company they are appointed to. It is what makes director-to-company traversal possible.

FAQ

Company & Director Verification — common questions

Yes. FinHub by Habilelabs provides KYB APIs for Indian BFSI — company verification, company search, PAN-to-company resolution and bidirectional DIN lookups against MCA records, with consent capture and an audit trail.

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