We have collected important resources related to the Account Aggregator ecosystem.
Introductory 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
Policy Resources
- Omnibus Framework for Recognising Self-Regulatory Organisations (SROs) for Regulated Entities (REs) of the Reserve Bank of India
- Account Aggregator Master Directive 2016 (Updated as on December 29, 2022) – RBI
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Inclusion of Clearing Corporation of India Limited as a Financial Information Provider under Account Aggregator Framework
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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)
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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
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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
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Financial Information (FI) Types for Balances under National Pension System (NPS) – March 16, 2023
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FIUs eligible under PFRDA – November 30, 2023
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Empowering NPS Subscribers to access and port their Data on AA – September 30, 2022
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Life insurance and insurance repositories to be FIPs in AA, dated November 14, 2022
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National Housing Bank Advisory for HFCs to join AA
RBI
MeitY
SEBI
PFRDA
IRDAI
National Housing Bank (NHB)
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
- Sahamati Proxy Sandbox Rollout!
- Master Direction – Non-Banking Financial Company – Account Aggregator (Reserve Bank) Directions, 2016
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API specifications for AA, FIP, and FIU entities
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ReBIT Guidelines on the Mandatory and Optional Fields in the FI Type Schema
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ReBIT instruction on the use of PAN and DoB identifiers for account discovery
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Guidelines for Deposit, Recurring Deposit (RD) and Term Deposit (TD) FI Type Schema Version 2.0.0 Adoption
