What are

Account Aggregators (AA) use technology to assist you in simple and secure exchange of your data between financial institutions like banks, insurance agencies or mutual fund companies. This information cannot be shared without your consent.

With AA, you can use your financial data to access a vast array of financial services for your personal or business needs.

Account Aggregators are the
Future of Data Sharing

When the customer gives consent to an Account Aggregator (AA), it collects your
digital financial data from one or more accounts, and delivers it to the financial
institution that is providing services like loan or insurance to you.
Account Aggregators are the Future of Data Sharing

Know More About the
AA Participants

The main participants of the AA ecosystem are the Account Aggregator (AA), the Financial Information Provider (FIP) and the Financial Information User (FIU) working together to simplify the process of sharing data.

An Ecosystem that lets You be in
Control of Your Data, Always


AA cannot share your data
without your consent


AA does not store or process
your data


All your financial data is encrypted with the AA


Give or revoke access to your
active consents anytime

The Advantages of the
AA Framework

Just like UPI completely transformed the way you pay, AA can make financial services like loans and credit
facilities much more seamless and accessible for everyone using the existing digital infrastructure.


AA makes it effortless to gather data at the user’s end and enter data at the service provider’s end.


AA allows faster processing, and quicker access to products or services.


With entire financial profile at one place service providers gauge your needs in a better way.


Information for each synced account is up-to-date, and available online reducing margin for errors.


Financial data is directly delivered from authorised accounts eliminating data errors.


Aggregation increases transparency by helping you get better picture of your finances.

See How it Works

From business loans to personal insurance, the AA framework
can be easily adopted into different products and offerings for
your individual and business needs.


Loans & Lending

Verification for loans without a hassle


Personal Finance Management

Personal financial data all in one place


An RBI Regulated Entity

Reserve-Bank-of-India-RBI-Tagline-Slogan-punchline-motto 1

RBI issues Account Aggregator Licenses


AA Tech is based on DEPA consent layer API

AAs were created through an inter-regulatory decision by:

Reserve Bank of India (RBI) | Pension Fund Regulatory and Development Authority (PFRDA) | Securities and Exchange Board of India (SEBI) | Insurance
Regulatory and Development Authority (IRDAI) | Financial Stability Development Council (FSDC)