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One free scan finds every outdated or missing driver and matches the right update for your exact hardware.Free scan · exact hardware matchTo share bank data through India’s Account Aggregator (AA) network, begin an AA consent request from a participating lender, review exactly what it asks for, select only the linked accounts and period you approve, and authenticate in the bank or AA interface. The AA then securely routes the information from your bank (the Financial Information Provider, or FIP) to the lender (the Financial Information User, or FIU). You control the consent; the AA does not decide your credit application.
What the Account Aggregator network does
India’s Account Aggregator framework is an RBI-regulated consent-management rail for moving financial information between regulated institutions. It connects three parties:
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| Party | What it does |
|---|---|
| Customer | Decides whether to approve a request and which eligible accounts and information to share. |
| Financial Information Provider (FIP) | The bank or other regulated institution that holds the financial information, such as a savings, current or fixed-deposit account. |
| Financial Information User (FIU) | The regulated lender requesting and using the information, for example to assess a loan application. |
| Account Aggregator (AA) | The RBI-regulated consent manager that presents the request, records your permission and routes the approved data from the FIP to the FIU. |
An AA is not a lender, broker or credit bureau. It cannot approve a loan, set your interest rate or disburse funds. Its role is to enforce the consent you grant and transfer the authorised information. RBI’s Master Direction states that an Account Aggregator “shall not undertake any other business other than the business of account aggregator.”
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Outbyte PC Repair FREERepair Windows errors before they cause bigger problemsFix Now →Outbyte Driver Updater FREEScan for outdated or missing drivers - takes under a minuteDriver Scan →The Department of Financial Services describes the central safeguard this way: “No financial information of the customer is retrieved, shared or transferred by AA framework without the explicit consent of the customer.”
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What you need before starting
- An AA-enabled lender: The lender must participate as an FIU. Ask whether its loan-application flow supports the Account Aggregator network and which institutions and statement period it accepts.
- A participating account provider: The bank holding the account must be a live FIP. A bank that is not connected cannot send its data through AA.
- An AA handle: You can register with an RBI-licensed AA of your choice if you do not already have one. Participation is voluntary.
- Access to the bank or AA authentication step: Approval normally requires authentication in the official bank or AA flow. Keep your phone and any required bank credentials available, but never disclose internet-banking passwords or one-time passwords to a person or unverified website.
- The lender’s exact data requirement: Clarify whether it needs transaction history, balances, deposits or another category, and the start and end dates. A narrower request gives you a clearer basis for consent.
There is no single AA fee or loan-processing price established for every participant. Check the lender’s and AA’s own terms rather than assuming that a particular request is free or chargeable.
How to share your data: the complete workflow
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Confirm that the lender is an FIU in the AA network
Start in the lender’s official website or application and ask for its Account Aggregator option. Confirm the lender’s legal name, the loan purpose and the accounts or period it wants. If the lender cannot explain its AA participation, pause and use its official support channel.
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Open the lender’s consent request
In the lender’s flow, the lender is the FIU. The request should identify the purpose—such as loan underwriting—the information category, the intended recipient and the notification address for consent-related messages. Do not approve a generic request that hides who will receive the data or why it is needed.
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Choose an Account Aggregator handle
If you do not have an AA handle, select an RBI-licensed AA offered in the official flow and complete its registration. You are not required to use one particular AA. If the lender’s interface offers several, compare their supported FIPs, consent controls and grievance channels rather than choosing solely by appearance.
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Link eligible financial accounts
The AA searches participating FIPs for savings, current and fixed-deposit accounts associated with your registered details. Where the interface supports it, you can add an account manually. The discoverable list depends on the FIP’s participation and the identifying details it can match. You can unlink an account later through the AA’s account-management controls.
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Inspect the consent artefact before approving
RBI requirements mean the artefact should state the nature of the information, purpose, recipient, notification address, creation date, expiry date and the AA’s signature. Also check the account list, transaction date range, frequency of any requested updates and the stated data-use conditions. A request for a loan assessment should not silently include unrelated accounts or an indefinite period.
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Select only the accounts and information needed
When the approval screen lists multiple accounts, select the specific bank account or accounts you intend to share. Bank of India’s customer guidance puts the control plainly: “While approving the consent request, select the specific bank account(s) from which you want to share financial data.” Deselect an account that is outside the lender’s stated requirement.
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Authenticate in the official bank or AA interface
Approve the request using the authentication method shown by the bank or AA. The AA obtains the approved information from the FIP and sends it to the FIU in encrypted form. The lender should not ask you to copy your banking password, PIN or OTP into a chat, email, spreadsheet or third-party form.
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Save the confirmation and monitor the consent
Keep the consent ID, confirmation screen or notification. In the AA’s consent-management view, check whether the request is active, when it expires and which accounts and data categories it covers. If the purpose changes, the recipient is wrong or the lender no longer needs the data, withdraw the consent where the interface permits and contact the lender through its official channel.
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Finish the lender’s separate underwriting checks
AA transfer is one input to underwriting, not a loan sanction. The lender may still request identity, income, employment, collateral, bank verification or other documents under its policy. Complete those checks through the lender’s official process and wait for its eligibility, pricing and disbursement decision.
How to read an AA consent request
Think of the artefact as a permission slip with boundaries, not as a blanket authorisation to inspect every financial relationship you have. Use this checklist before selecting “approve.”
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1Repair Windows errors before they cause bigger problems2Scan for outdated or missing drivers - takes under a minute3Clear out junk files and repair common Windows errors| Consent element | Question to ask | What to do if it is unclear |
|---|---|---|
| Information type | Does it name the data required, such as transactions or balances? | Ask the FIU to explain why each category is necessary. |
| Purpose | Does it clearly say the information is for this loan application or another specific service? | Do not approve a request with an unrelated or vague purpose. |
| Recipient | Is the lender or other FIU identified by name? | Verify the legal entity in the lender’s official support channel. |
| Accounts | Are the listed FIP accounts the ones you intend to share? | Deselect unnecessary accounts; stop if the interface does not allow account-level choice. |
| Date range and frequency | Are the start and end dates, and any recurring-fetch schedule, reasonable? | Request a shorter period or one-time transfer when that meets the lender’s need. |
| Creation and expiry dates | When does the permission begin and end? | Do not assume an expired consent remains valid; create a new, specific request if needed. |
| Notification address | Where will consent notices and status messages be sent? | Use an address you control and recognise. |
| AA signature | Does the artefact carry the AA’s required signature? | Use the AA’s official help channel if the artefact appears incomplete or altered. |
Consent must remain specific to the stated purpose and validity period. A later request for a different product or purpose should be treated as a new decision, not as an automatic extension of the first approval.
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What happens after you approve
The data path is deliberately separated from the credit decision:
- The FIU creates a consent request describing the purpose, scope, recipient and validity.
- You review it in the AA flow and authenticate your choice.
- The AA sends the approved request to the relevant FIP.
- The FIP releases the permitted information to the AA under that consent.
- The AA routes the information in encrypted form to the named FIU.
- The FIU uses the information in its own service or underwriting process.
The lender may use the received information to determine whether you qualify, as Federal Bank explains in its customer material: an FIU consumes data from an FIP so, for example, a lending bank can assess whether a borrower qualifies for a loan. The AA does not interpret the transactions, make a risk grade or select the final offer.
Privacy and security checks that matter
- Verify the launch point: Start from the lender’s official application or website, or the AA’s official application. Be cautious of links sent by unknown callers, social-media accounts or forwarded messages.
- Match the legal names: Check that the lender shown as FIU is the organisation to which you applied. A familiar logo alone is not enough.
- Limit the scope: Review every account, information type and date range. Share the minimum that satisfies the stated underwriting need.
- Check expiry: A consent that remains active longer than necessary creates a wider window for future data requests. Choose a shorter validity period when the lender allows it.
- Protect authentication secrets: An intermediary should never collect your internet-banking password, card PIN or OTP. Enter such details only on the bank’s or AA’s authenticated screen.
- Keep evidence: Save the consent ID, confirmation and relevant notifications. They help you identify what was approved if you later raise a dispute.
- Use withdrawal controls: Review active consents periodically and withdraw those that are no longer required. Withdrawal does not necessarily erase information the FIU has already lawfully received; ask the FIU how it handles retained records under its applicable obligations.
If a bank account does not appear
An undiscoverable account does not automatically mean your details are wrong or that the lender is refusing it. The account may be held by a bank that has not joined the network, or the FIP may not yet support the relevant information type.
- Check the account name and identifying details you used when registering with the AA.
- Ask the lender whether that bank is a participating FIP for this request and whether it accepts the account type.
- Check whether the AA offers a manual account-add option.
- If the account still cannot be linked, use an alternative verification route only through the lender’s official channel, such as the document method it specifies.
- Do not give statements or credentials to an unverified intermediary promising to “connect” the account.
The same principle applies when a consent fails, expires or shows an unexpected account: stop, record the error or consent ID, and ask the lender or AA support team to correct the request rather than approving a broader one.
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What AA can and cannot replace in a loan application
AA can reduce the manual handling involved in collecting statements because the FIP sends permitted information electronically to the FIU. It does not remove the lender’s responsibility to verify identity, income, collateral or other eligibility requirements. Nor does it guarantee approval, a particular interest rate, a credit limit or disbursement timing.
Use AA when the lender clearly supports it and the requested scope matches your application. Use the lender’s documented alternative when an important FIP is not connected, the required period cannot be supplied, or the consent screen does not give you enough control to make an informed choice.
How to assess an AA app or lender flow
No provider should be ranked without current, provider-specific evidence. If you have a choice of AA interfaces or lenders, assess these points:
| Evaluation point | What good practice looks like |
|---|---|
| RBI participation | The AA is an RBI-licensed entity and the lender and relevant banks participate as FIU and FIP respectively. |
| FIP coverage | The institutions where you actually hold accounts are supported, not merely a large headline list. |
| Consent clarity | The request identifies information, purpose, recipient, account scope, date range, notification address, creation date and expiry. |
| Account selection | You can choose individual linked accounts instead of accepting an all-accounts request. |
| Review and withdrawal | The interface shows active consents and provides a practical way to withdraw or manage them. |
| Authentication quality | Bank or AA authentication is clearly separated from any intermediary and does not require sharing credentials with the lender. |
| Grievance support | There is a visible support and complaint route for consent, linking and data-transfer problems. |
| FIU transparency | The lender identifies its legal entity, loan purpose and data-use need before you approve. |
How large is the network?
Scale indicates that AA is an operating financial-infrastructure rail, but it does not change the consent decision for your individual loan. The Department of Financial Services reported 17 RBI certificates of registration for Account Aggregators on its current framework page. As of 31 March 2026, the department reported 179 live FIPs and 989 live FIUs, with more than 2.88 billion financial accounts enabled to share data and 284.6 million accounts linked.
Sahamati’s 2024 annual report recorded ₹88,700 crore in loan disbursements across 9.70 million loans from September 2021 through March 2024; 25% of those disbursements went to MSMEs. Those are network-level figures, not a prediction of your eligibility or approval.
Practical approval checklist
- The lender is identified and you reached the request through an official channel.
- The purpose matches your loan application.
- The information category and transaction dates are understandable and proportionate.
- Only the accounts you intend to share are selected.
- The recipient, notification address, creation date and expiry date are shown.
- The AA is identified and the artefact carries its signature.
- You authenticate only inside the bank or AA flow.
- You have saved the consent ID or confirmation.
- You know how to view or withdraw the consent.
Bottom line
Use the Account Aggregator network when a participating lender gives you a clear, specific consent request and the accounts you need are supported. Select the minimum accounts and period, authenticate through the official bank or AA screen, retain the consent record and manage its expiry or withdrawal. The network can make document sharing faster and more controlled, but the lender still makes the credit decision and may require additional evidence.
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