Home / Resources Account Aggregator Key Resources We have collected important resources related to the Account Aggregator ecosystem. Introductory Resources Policy Resources Technical Resources Building a customer friendly consent flow for Account Aggregators Account Aggregators in India Participants in the AA Ecosystem Account Aggregator Ecosystem map Frequently Asked Questions License types by RBI, SEBI, IRDAI, PFRDA AA Dashboard – Number of accounts linked, number of consents fulfilled India’s Data Empowerment & Protection Architecture India’s Data Empowerment And Protection Architecture (DEPA) workshop by Siddharth Shetty Account Aggregator Technical Architecture by Siddharth Shetty Nandan Nilekani on Data Empowerment and the ‘Opportunity’ State ONDC Financial Services or OCEN protocol RBI Framework for recognising Self-Regulatory Organisations (SROs) for the Account Aggregator Ecosystem Omnibus Framework for Recognising Self-Regulatory Organisations (SROs) for Regulated Entities (REs) of the Reserve Bank of India Reserve Bank of India (Non-Banking Financial Companies – Account Aggregator) Directions, 2025 Inclusion of Clearing Corporation of India Limited as a Financial Information Provider under Account Aggregator Framework Draft Framework for comments Omnibus Framework for Recognizing Self-Regulatory Organisations (SROs) for Regulated Entities (REs) of the Reserve Bank of India Sahamati’s response to draft Framework for comments Omnibus Framework for Recognizing Self-Regulatory Organisations (SROs) for Regulated Entities (REs) of the Reserve Bank of India [Sahamati’s response] Joining the Account Aggregator Ecosystem as Financial Information User Review of Financial Information Provider (FIP) under Account Aggregator Framework Inclusion of GSTN as a FIP under AA – November 23, 2022 – RBI Public Credit Registry (PCR) – June 06, 2018 – RBI UK Sinha’s Report of the Expert Committee on MSMEs: Loan Service Providers (LSPs) will be an agent of the borrowers is recommended for consideration by RBI:Announcement, Full Report(Section 8.2.1 on page 108 about LSPs and Section 9.26 on page 126 about Cash Flow-based lending) MeitY The Digital Personal Data Protection Act, 2023 – August 03, 2023 The Digital Personal Data Protection Bill, 2022 – November 18, 2022 Data Empowerment And Protection Architecture Bluebook – August 2020 – Niti Aayog Report by the Committee of Experts on Non-Personal Data Governance Framework – July, 2020 The Personal Data Protection Bill, 2019 – December 11, 2019 – as introduced in Lok Sabha Draft of The Personal Data Protection Bill, 2018 (Srikrishna Committee Report on Data Protection) – 2018 Data Protection Committee Report under the Chairmanship of Justice B.N. Srikrishna – July 27, 2018 SEBI Sahamati’s response to SEBI consultation paper – August 2023 Consultation Paper on Financial Information Users in AA framework – August 01, 2023 Circular allowing Depositories and AMCs (through their RTAs) to be FIPs in AA – Aug 19, 2022 PFRDA Financial Information (FI) Types for Balances under National Pension System (NPS) – March 16, 2023 FIUs eligible under PFRDA – November 30, 2023 Empowering NPS Subscribers to access and port their Data on AA – September 30, 2022 IRDAI Life insurance and insurance repositories to be FIPs in AA, dated November 14, 2022 National Housing Bank (NHB) National Housing Bank Advisory for HFCs to join AA Technical Resources Sahamati GitHub Purpose Codes NBFC – Account Aggregator (AA) API Specification Account Aggregator (AA) API Financial Information Provider (FIP) API Financial Information User (FIU) Callback API Account Aggregator Schema Definitions (FI Types) Account Aggregator Purpose Definitions Electronic Consent Framework by MeitY Certification Framework For The Account Aggregator Ecosystem Technical Service Providers in the AA Ecosystem Steps to connect FIP/FIU with Account Aggregator Sandboxes Master Direction – Non-Banking Financial Company – Account Aggregator (Reserve Bank) Directions, 2016 API specifications for AA, FIP, and FIU entities ReBIT Guidelines on the Mandatory and Optional Fields in the FI Type Schema ReBIT instruction on the use of PAN and DoB identifiers for account discovery Guidelines for Deposit, Recurring Deposit (RD) and Term Deposit (TD) FI Type Schema Version 2.0.0 Adoption Related readings: ReBIT has also clarified several commonly addressed questions in their detailed FAQs