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NEWSLETTER · JULY – AUGUST 2025 |
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The AA journey has gained fresh momentum in the last two months, with milestones that reflect both progress and promise.
On 2nd September, we observed the 4th anniversary of the AA Framework going live, a day Sahamati recognised as AA Foundation Day. What began as a bold step in consent-based data empowerment in 2021 has today evolved into a cornerstone of India’s digital public infrastructure.
The day was made special by the warm wishes and messages from across the ecosystem, reflecting the collective pride in how far we have come.
We also released the 4th edition of our Credit Reimagined Lending Report, which highlights the growing adoption of AA: - Over 60% of financial accounts AA-enabled
- An estimated 12.73 crore AA users
- More than 3% of total lending in FY25 facilitated via AA
These milestones reaffirm that AA is no longer just an infrastructure; it is fast becoming an integral layer of India’s DPI framework.
Another highlight was the launch of our new thought-leadership initiative, Manthan – A Podcast Series by Sahamati. True to its name, Manthan is about deep reflection and dialogue on India’s digital finance future. In the 0th episode, I joined Vamsi Madhav, CEO of Finvu, to discuss how the AA journey has unfolded throughout these years.
None of this progress would be possible without the unwavering support of Regulators, Council Members, Banks, NBFCs, TSPs, the Sahamati team, and every partner who has walked alongside us with sincerity.
As we look ahead, one thing is clear: the momentum is only growing stronger, and together we will continue to scale the AA Framework with the end customer always at the heart of this journey.
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289.21 M
Consents Fulfilled |
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Strengthening Trust with ISO27001:2022 Compliance
We are pleased to share that Sahamati has successfully upgraded its ISO27001 certification to the latest ISO27001:2022 standard, a global benchmark for information and cybersecurity management. This achievement reinforces our commitment to safeguarding information, strengthening trust, and ensuring robust protection of services. We are also working towards adopting global best practices across all our business pillars to deliver services of the highest standard.
Over 60% of financial accounts in India are now AA-enabled
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The Product and Engineering team is ready for the MVP testing with the ecosystem
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The Product and Engineering team is ready for the Minimal Viable Product (MVP) testing with the ecosystem. The POC conducted earlier established that the SahamatiNet router greatly reduces the number of integrations to be done, while the MVP will prove the second objective of being able to do report generation of technical and business metrics from a single source of truth. The MVP will start on the 8th of September, 2025.
Token Service APIs that were directly calling Keycloak have been decommissioned, and new APIs went into effect on the 15th of August, 2025. We thank all those who made this migration smooth and easy. To know more>
The new version of sAAns is ready for production. It uses a different stack. We have a new Observability framework using Sunbird Obsr and Superset. Details will be shared early in the month of September.
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Pragati Webinar on “Account Aggregator: Unlocking Data Beyond Banking” |
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The Pragati Webinar Series returned on 29th July 2025 with a powerful session titled “Account Aggregator: Unlocking Data Beyond Banking”. The webinar marked the release of Sahamati’s 4th Lending Report, which revealed a compelling narrative of growth in India’s AA-powered lending ecosystem. The session also featured an insightful fireside chat with Mr. Deepit Singh, Founder of Abhi Loans, and live demos by Finbox and Finfactor showcasing AA-powered lending journeys. Missed the webinar? Watch the recording here>>
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Joint Workshop with Accion on AA
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Accion organized a workshop under the BMGF-funded Account Aggregator project, aimed at building awareness and practical understanding of the AA framework. The session saw active participation from Sales and Central teams along with representatives from Pahel Finance, Credright, Finayo, and Revfin. The focus was to familiarize participants with the AA ecosystem, its diverse use cases, and how they can implement it within their organizations to unlock efficiencies and drive tangible benefits.
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Webinar on “Your Data, Your Power: AA Decoded”
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BG Mahesh, CEO of Sahamati, attended the Fintech CoE at NSRCEL, IIM
Bangalore, on 24th May 2025. The Government of Karnataka supports this
initiative to catalyze India’s next wave of fintech innovation. Mahesh met with
a couple of startups working in the areas of finance, investment advisory, and
technology and shared his observations on the financial ecosystem in
India.
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“After UPI, here comes India’s next financial revolution — the Account Aggregator (AA) network.” In an interview with The Indian Express, our CEO, B.G. Mahesh, shares how the AA framework is poised to transform financial services, much like UPI did for payments. From empowering citizens with data ownership to driving innovation, AA is reshaping India’s digital finance journey. 👉 Read the full article here
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How is AA Enabling this NBFC to drive efficiency? | |
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By leveraging the AA framework, a leading NBFC achieved 60% adoption in lending transactions, marking a transformative shift in their digital lending journey. The most significant outcome was seen in turnaround time (TAT)- loan processing reduced from 13–15 days to approximately 10 days post-AA integration. This impact story highlights how AA is enabling financial institutions to streamline operations and accelerate operational efficiency, while also enhancing customer journeys with faster, more seamless access to credit.
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Sahamati Foundation is a member-driven industry alliance
formed to promote and strengthen the Account Aggregator ecosystem in
India.
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