cred.emi.debited

The cred.emi.debited event is triggered when an EMI payment is debited for a Cred loan.

Payload

Attribute	Type	Description
event_id	String	Unique identifier for the webhook event.
event	String	Event name: cred.emi.debited.
timestamp	Integer	Unix timestamp when the event was originated.
version	String	Webhook payload version.
payload.jodo_student_id	String	Jodo student identifier.
payload.student	Object	Student profile details.
payload.application	Object	Cred application details.
payload.application.id	String	Application ID.
payload.application.status	String	Current application status.
payload.application.amount	String	Loan amount.
payload.application.agreement_signed_at	Datetime	Agreement signing timestamp.
payload.payment	Object	EMI payment details.
payload.payment.id	String	EMI payment ID.
payload.payment.due_date	String	EMI due date.
payload.payment.paid_at	Datetime	EMI payment timestamp.
payload.payment.amount	Number	EMI amount.

Example

{
  "event": "cred.emi.debited",
  "event_id": "f8093bb5-29c7-4b3a-a99b-298520233820",
  "version": "1.0",
  "timestamp": 1655448963,
  "payload": {
    "jodo_student_id": "student_1234",
    "student": {
      "identifier": "1234",
      "custom_identifier": "cust_1234",
      "collector_code": null,
      "grade": {
        "code": "M1BLUE",
        "name": "Montessori 1"
      },
      "academic_year_start": 2022,
      "academic_year_end": 2023,
      "primary_contact_number": "9876543210",
      "primary_contact_email": "parent@example.com",
      "notes": [
        {
          "key": "registration_number",
          "value": "REG12345"
        }
      ]
    },
    "application": {
      "id": "1234",
      "status": "agreement_signed",
      "amount": "100000",
      "agreement_signed_at": "2022-01-29T10:05:45Z"
    },
    "payment": {
      "id": "emi_5678_6789",
      "due_date": "2022-02-15",
      "paid_at": "2022-02-15T10:05:45Z",
      "amount": 10000
    }
  }
}

Handling the Event

• Record the EMI payment against the Cred application in your ERP.
• Store payment.id, due_date, paid_at, and amount for reconciliation.
• Do not update the application lifecycle status solely from this event unless your workflow explicitly maps EMI debit state.
• Use event_id for idempotency.