An RBI Account Aggregator (AA) can help you connect participating bank and financial accounts under one reusable identifier, then approve requests to share selected information. It is not automatically a universal dashboard: whether you can see balances and transactions together depends on the AA app, the institutions connected to it and the app’s viewing features. Linking an account and sharing its data are separate actions.
What an Account Aggregator does
India’s Account Aggregator framework is a consent-based system for moving financial information between a Financial Information Provider (FIP), such as a bank, and a Financial Information User (FIU), such as a lender or personal-finance service. The AA manages your identity, consent and secure data transfer. It does not become the institution holding your money.
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The framework is designed for uses including lending, credit monitoring, wealth management, personal-finance management and reconciliation. Those are possible uses, not a promise that every AA app or institution offers each service.
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Viewing is an optional app feature
Some AA apps provide a personal view of information from linked accounts. Others concentrate on managing consent and responding to requests raised by another service. Sahamati’s directory distinguishes consent-management functions from financial-data viewing, and the available features can change by app and institution.
Think of the AA as a consent and data-sharing layer first and a dashboard only when the selected app explicitly offers that view.
Before you start
- Have the mobile number registered with the bank or other financial institution you want to connect. Using that number improves the chance that the account-discovery step will find the account.
- Keep access to SMS on that number for one-time-password (OTP) verification.
- Identify which institutions you want to connect and check whether they participate in the AA network.
- Choose an AA that supports your institutions and offers the feature you need: consent management, a consolidated personal view, or both.
- Use an app currently listed in Sahamati’s AA directory. The directory also points to FIP-AA mapping so you can check institution compatibility.
There is no special phone, accessory or physical device requirement. A compatible web client or mobile app and the registered mobile number are sufficient, subject to the provider’s technical requirements.
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Do not select an app solely because it is available in your phone’s app store. Compare the functions that affect whether you can actually see your information.
| What to compare | Why it matters | What to verify |
|---|---|---|
| Platform availability | You need a client you can access reliably. | Whether the AA offers a web client, Android app, iPhone app, or a combination. |
| Institution integration | An account appears only when its FIP participates and is integrated with that AA. | Your bank, insurer, mutual-fund platform, pension provider or other institution in the app’s supported list. |
| Consent management | Consent is the control point for every data request. | Ability to approve, reject, inspect active consents and view consent history. |
| Personal-data viewing | Not every AA is a consolidated dashboard. | Whether the app displays balances, transactions or other information from linked accounts for your own use. |
| Download and sharing controls | Exported files can create an additional security risk. | Whether downloads are password-protected and sharing is user-controlled, if those options are offered. |
Support can differ even among institutions in the same category. A bank may be discoverable through one AA but not another, and a newly integrated institution may not appear immediately in every app.
Step-by-step: connect accounts and view them
1. Open a participating AA client
Install or open the AA web client or mobile app you selected. Check its supported-institution list before creating an account. If your bank or other provider is absent, choose another listed AA rather than assuming the account will appear later.
2. Register with your account-linked mobile number
- Choose the registration or sign-up option.
- Enter the mobile number associated with the financial account you plan to discover.
- Enter the SMS OTP sent to that number.
- Create your AA handle when prompted. The handle is a reusable identifier for later consent-based sharing; it is not your bank-account number.
The exact labels and screens vary by provider. A failed OTP usually means the number is incorrect, the message is delayed, the SIM cannot receive SMS, or the provider has a temporary service problem. Check the number registered with the institution before repeatedly requesting new codes.
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3. Discover an institution and link its account
- Choose the bank or other participating institution from the AA’s list.
- Start account discovery for the mobile number you verified.
- Select the account or accounts the institution returns.
- Authenticate the institution’s link request as prompted. The setup guidance describes an OTP confirmation from the institution; your provider may use a different but equivalent authentication screen.
- Confirm the account is shown as linked to your AA handle.
Repeat these steps for each participating institution. Discovery is not guaranteed for every account: the institution must be connected to the AA network, the mobile number must match its records, and the institution must return that account type through its integration.
4. Keep linking separate from sharing
Linking places an account under your AA handle. It does not, by itself, send account information to a lender, budgeting service or any other recipient. A separate data request is created when an institution or service you approach needs information.
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5. Review and answer a data request
When an FIU raises a request, the AA app should show it for your decision. Before selecting approve, inspect:
- the recipient and its identity;
- the specific accounts or information requested;
- the stated purpose;
- how often data will be fetched or shared;
- the consent start and expiry dates; and
- any options to limit the scope or reject the request.
Select approve only when the request matches the service you intended to use. Select reject when it is unexpected, broader than necessary or addressed to the wrong recipient. A rejected request does not unlink your account.
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6. Open the app’s financial-data view, if available
If your AA supports personal viewing, use its dashboard, linked-accounts or financial-information screen after linking. The layout and data categories are provider-specific. One app may show balances and transaction history, while another may show only consent status and requests. If no viewing screen exists, the AA can still work correctly as a consent manager.
What you may be able to see
A viewing-enabled app may present information from several linked institutions in one interface, but the exact fields are determined by each FIP’s integration. Depending on the institution and account type, the display may include balances, transaction history or other financial information. Do not assume that a missing field means the account is broken; it may not be exposed by that institution or supported by the app.
Viewing your own information is different from authorising an FIU. A personal-finance view can help with budgeting or reconciliation without sending a report to a lender. If you later apply for a loan or another service, that provider may issue a separate request with its own purpose, data scope, frequency and expiry.
How consent works after setup
RBI directions require explicit customer consent and an auditable consent artefact. The record can include the information requested, purpose, recipient and expiry. This lets you inspect what you authorised rather than relying on a vague, permanent permission.
Inspect active permissions
Open the AA’s consent-management, active-consents or consent-history section. Review permissions that are pending, active, expired or rejected. Confirm that each active consent still serves a purpose you recognise.
Revoke when appropriate
Use the revoke or withdraw control for an active consent where the app provides it. Revocation stops future sharing under that consent, but do not assume it erases information the recipient already received. The recipient’s retention and deletion obligations are separate matters.
Understand frequency and duration
A request for one-time information is different from a recurring request. A longer consent duration can allow repeated retrieval without a new approval each time. Read both fields before authorising, especially for lending, monitoring or ongoing financial-management services.
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Why an account may not appear
The institution is not participating
Only institutions connected as FIPs and integrated with the selected AA can return accounts. Check Sahamati’s directory and FIP-AA mapping, then try an AA that lists your institution.
The mobile number does not match
Account discovery generally relies on the mobile number held by the institution. If you changed numbers, update the bank or provider first and complete its verification process. Registering the AA with a different number will not reliably find the account.
The account type is not supported
Participation can vary by product and integration. A provider may expose one category of account while another remains unavailable. Ask the institution whether that account type is enabled for AA sharing.
The authentication step failed
Wait for a fresh OTP, verify that SMS service works and retry from the institution’s link flow. Do not disclose an OTP to anyone claiming to be support. If repeated attempts fail, contact the institution or AA provider through its official support channel.
The account is linked but no dashboard appears
This can be a feature limitation rather than an error. Check whether the app advertises personal financial-data viewing, not just consent management. You may still be able to use the linked account when an FIU sends a request.
Security and privacy checks
The AA model is built around explicit consent, consent records and revocation. RBI directions also state that an AA should not access or use customer information beyond the requested AA service. These controls reduce unnecessary access, but they are not a guarantee that every implementation or recipient is risk-free.
- Use an AA currently listed by Sahamati and install it from the provider’s official channel.
- Read the recipient, purpose, data fields, frequency and expiry on every request.
- Reject requests you did not initiate or that ask for more information than the service needs.
- Review consent history periodically and revoke permissions that are no longer needed.
- Protect the phone, SIM and app login with a screen lock and the strongest authentication options available.
- Never forward OTPs, passwords or downloaded financial files to an unverified person.
- If the app offers downloads, use its password-protection and user-controlled-sharing features rather than leaving files in an open folder.
Self-use dashboards and CT019 safeguards
Sahamati’s CT019 template describes a self-use case in which a person views and analyses their own information without a third-party FIU. The template identifies two-factor authentication and SIM binding as security preconditions. It also describes password protection for downloads and user-controlled sharing safeguards where downloads are offered.
These are CT019 template conditions, not universal guarantees that every AA app implements every feature. Check the selected app’s own security and download controls.
What an AA cannot promise
- It cannot display every financial account in India. Visibility depends on participating institutions, account type, mobile-number matching and AA integration.
- It cannot guarantee that every app provides a single consolidated dashboard.
- It does not approve a loan, credit line or investment product. The FIU makes that decision under its own process.
- It does not perform transactions on your accounts.
- Revoking consent does not necessarily remove data already delivered to a recipient.
- Connecting an account does not automatically share its information.
How large is the AA ecosystem?
The Department of Financial Services reported the following ecosystem figures as of 31 March 2026, attributing them to Sahamati:
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| Measure | Reported figure | Qualification |
|---|---|---|
| Live Financial Information Providers | 179 | Institutions able to provide data through the live network at that reporting date. |
| Live Financial Information Users | 989 | Entities able to request data through the live network at that reporting date. |
| Accounts enabled for sharing | More than 2.88 billion | Ecosystem total reported for 31 March 2026, not a guarantee that every account is discoverable through every AA. |
| User-linked accounts | 284.6 million | Accounts linked by users by the same reporting date. |
These are dated ecosystem measures, not timeless totals. Your practical result still depends on the institutions and AA app available to you.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.A practical decision checklist
Use this checklist before and after setup:
- Confirm the bank or provider is listed for the AA you intend to use.
- Confirm the app supports personal viewing if a dashboard is your goal.
- Register with the mobile number held by the financial institution.
- Save or note your AA handle for future consent requests.
- Authenticate each institution link using its requested verification method.
- Verify that linking completed before expecting an account to appear in a personal view.
- Treat every FIU request as a new decision, even for an account already linked.
- Check recipient, data, purpose, frequency and expiry before approval.
- Review consent history and revoke permissions that are no longer necessary.
- Remember that an AA is for consented information exchange, not account transactions or automatic product approval.
Frequently asked questions
Is an AA the same as internet banking?
No. Internet banking is operated by your bank and supports account servicing and transactions. An AA is an intermediary consent and data-sharing layer; it does not hold the account or perform payments.
Can I link accounts from different banks?
Yes, when each bank participates as a FIP and is integrated with the AA you selected. You may need to repeat institution discovery and authentication for each bank.
Do I need to create a new AA handle for every bank?
No. The handle is a reusable identifier. You can use it to link participating institutions and respond to later consent requests.
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No. Linking and sharing are separate. A lender or another FIU must raise a request, and you must approve it before sharing occurs.
Why did my account link successfully but not show balances?
The selected app may manage consent without offering a personal-data view, or the institution may not provide that field through its integration. Check the app’s listed features and the institution’s supported account types.
Can I reject a consent request without unlinking my account?
Yes. Rejecting a particular request leaves the account linked to your AA handle. You can still consider a later request separately.
What happens after I revoke consent?
Future sharing under that consent should stop. Revocation does not necessarily delete information that was already delivered to the recipient, so check the recipient’s applicable retention and deletion process if that matters.
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Is there a fee to use an AA?
The framework is a digital service, and no particular device or physical purchase is required. Check the selected provider’s own terms for any applicable service conditions rather than assuming that every AA has identical pricing.
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Bottom line
To use an RBI Account Aggregator, choose a listed app that supports your institutions, register with the mobile number tied to those accounts, create an AA handle, authenticate each link and then approve data requests individually. A consolidated view is available only in apps that offer personal financial-data viewing. Linking does not share data, and every request should be checked for recipient, purpose, scope, frequency and duration before you approve it.
Frequently Asked Questions
Can an Account Aggregator show all my financial accounts in one place?
Only if the institutions participate, the account types are supported and the selected AA app offers personal financial-data viewing. Some apps provide consent management without a consolidated dashboard.
Does linking an account share its information automatically?
No. Linking associates the account with your AA handle. Sharing requires a separate request from an FIU and your explicit approval.
What should I check before approving consent?
Check the recipient, requested information, purpose, sharing frequency, start date and expiry date. Reject requests that are unexpected or broader than needed.
Can I revoke consent later?
Use the app’s consent-management or history screen to revoke an active consent where supported. Revocation generally stops future sharing but may not erase data already received by the recipient.
Why can’t I find my bank account?
The bank may not participate in that AA, the mobile number may not match the bank’s records, or the account type may not be enabled through the integration. Check Sahamati’s directory and FIP-AA mapping.
Does an AA let me transfer money or apply for a loan?
No. An AA does not support customer transactions and does not approve financial products. Use the relevant bank or service provider for those actions.
The Bottom Line
Choose a compatible, listed AA; register with your account-linked mobile number; link institutions; and treat every data request as a separate consent decision. A one-place view is app-dependent, so verify the feature before setup.
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