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

# Combined Credit Snapshot

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

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.net/smallcase/apis/graph-performance-api.md) · [All operations](https://skmtc.net/smallcase/apis/graph-performance-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/smallcase/graph-performance-api/versions/6d2439eafede/schema)