> For the complete documentation index, see [llms.txt](https://docs.tutelar.io/tutelar-api-document/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.tutelar.io/tutelar-api-document/kyc-verification/assets-verification/india/silent-account-verification.md).

# Silent Account verification

Silent account verification is a secure and zero-friction authentication method that confirms user identity or bank details in the background, without requiring manual input like passwords or OTPs.

##  silent\_account\_verification

<mark style="color:green;">`POST`</mark> `https://secctrl.tutelar.io/api/v1/kyc/banking/silent_account_verification`

### Post parameters description is given below,

<table><thead><tr><th width="197">Post Parameter </th><th width="139">Type</th><th>Is  Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>accountNo </td><td>String </td><td>Yes </td><td>Account Number</td></tr><tr><td>ifsc</td><td>String</td><td>Yes</td><td>IFSC Code</td></tr><tr><td>narration</td><td>String</td><td>Yes</td><td>Refers to a specific, pre-defined reference message.</td></tr><tr><td>mobileNumber</td><td>String</td><td>No</td><td>Mobile Number</td></tr><tr><td>remitterName</td><td>String</td><td>No</td><td>Name of the remitter</td></tr></tbody></table>

#### Sample Post Parameters

```json
{
    "accountNo": "1234567891",
    "ifsc": "HDFC0000001",
    "narration": "CSC",
    "mobileNumber": "8879000123",
    "remitterName": "Johnson"
} 
```

{% tabs %}
{% tab title="200: Success Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "249d5913-5aae-4b52-bf78-448a4870476c",
    "status": "completed",
    "result": {
        "transDateTime": "22/04/2026 11:58:55",
        "beneficiaryName": "Mr Rahul S",
        "accountType": "SAVINGS",
        "rrn": "611211000002"
    },
    "requested_at": "2026-04-22T06:28:53.718Z",
    "completed_at": "2026-04-22T06:28:55.377Z"
}
```

{% endtab %}

{% tab title="200: InProgress Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "10cc9473-ce11-425e-ac89-1f51ce6e78de",
    "status": "in_progress",
    "requested_at": "2024-04-22T05:28:49.245Z"
}
```

{% endtab %}

{% tab title="400: Validation Error Response " %}

```json
{
    "success": false,
    "code": 400,
    "message": "Account number should not be empty",
    "error": {
        "message": "Account number should not be empty",
        "field": "accountNo",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Please enter a valid account number",
    "error": {
        "message": "Please enter a valid account number",
        "field": "accountNo",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid IFSC code",
    "error": {
        "message": "Invalid IFSC code",
        "field": "ifsc",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Narration should not be empty",
    "error": {
        "message": "Narration should not be empty",
        "field": "narration",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid characters detected in narration",
    "error": {
        "message": "Invalid characters detected in narration",
        "field": "narration",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid Mobile Number",
    "error": {
        "message": "Invalid Mobile Number",
        "field": "mobileNumber",
        "code": "BAD_REQUEST"
    }
}
{
    "success": false,
    "code": 400,
    "message": "Invalid characters detected in remitter name",
    "error": {
        "message": "Invalid characters detected in remitter name",
        "field": "remitterName",
        "code": "BAD_REQUEST"
    }
}
```

{% endtab %}

{% tab title="200: Failure Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "3c94fbf2-1dd0-4d8b-ac9b-d0cccfb1d02a",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2024-04-22T05:34:58.477Z",
    "completed_at": "2024-04-22T05:35:06.000Z"
}
```

{% endtab %}
{% endtabs %}

#### Check Document Status

## &#x20;Get document details

This Get details API using to fetch the latest updated response when the above API gave the status as in-progress by using the reference\_id

<mark style="color:blue;">`GET`</mark> `https://secctrl.tutelar.io/api/v1/kyc/banking/silent_account_verification`

### Query parameters description is given below,

<table><thead><tr><th width="197">Query Parameter </th><th width="139">Type</th><th>Is  Mandatory</th><th>Description</th></tr></thead><tbody><tr><td>reference_id </td><td>String </td><td>Yes </td><td>Document reference id</td></tr></tbody></table>

{% tabs %}
{% tab title="200: Success Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "249d5913-5aae-4b52-bf78-448a4870476c",
    "status": "completed",
    "result": {
        "transDateTime": "22/04/2026 11:58:55",
        "beneficiaryName": "Mr Rahul S",
        "accountType": "SAVINGS",
        "rrn": "611211000002"
    },
    "requested_at": "2026-04-22T06:28:53.718Z",
    "completed_at": "2026-04-22T06:28:55.377Z"
}
```

{% endtab %}

{% tab title="200: InProgress Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "e78337ea-b8db-4352-9e34-9fdee2dd6d4a",
    "status": "in_progress",
    "requested_at": "2026-04-22T06:23:00.818Z"
}
```

{% endtab %}

{% tab title="200: Failure Response" %}

```json
{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "19e5f365-1784-455f-ba7c-db715b3b0873",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2026-04-22T06:20:55.032Z",
    "completed_at": "2026-04-22T06:21:23.183Z"
}
```

{% endtab %}
{% endtabs %}