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1Repair Windows errors before they cause bigger problems2Fix the driver behind crashes, sound loss and screen glitches3Clear out junk files and repair common Windows errorsAn RBI Account Aggregator (AA) is a regulated, consent-based intermediary for moving your financial information between participating institutions. It is not a bank-account opening service, payment app, lender or loan-approval system. You choose what information to share, the purpose, the recipient and the consent validity period. The AA should not ask for the password, PIN or private key you use with your bank or other financial-information provider, and RBI rules say the information it retrieves must not reside with the AA.
Whether you can connect a particular account depends on the current participation of that institution, the account type and the receiving financial-information user (FIU). The categories listed by RBI are broad ecosystem categories, not a guarantee that every provider is available in every AA app.
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What is an RBI Account Aggregator?
An AA is an RBI-regulated non-banking financial company that facilitates customer-authorized sharing of financial information. In the framework, the institution holding your data is a Financial Information Provider (FIP). The institution that is authorized to receive and use that data is a Financial Information User (FIU). The AA sits between them to manage consent and the secure transfer.
RBI’s Master Direction – Non-Banking Financial Company – Account Aggregator Directions, 2016, updated as of September 6, 2024, states that an AA “shall not support transactions by customers.” That means an AA cannot transfer money, place an investment order, open an account or make a payment for you. Its role is information sharing, not transaction execution.
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What an AA can do
- Present a consent request describing the information being requested.
- Retrieve information from a participating FIP after you authorize the request.
- Transfer that information to the FIU named in the consent.
- Let you manage or revoke consent through the AA service, subject to the particular provider’s interface and terms.
What an AA cannot do
- Approve, reject or itself provide a loan.
- Use your data for a purpose outside the consent terms.
- Support customer transactions.
- Request the credentials you use to authenticate with an FIP.
How does Account Aggregator consent work?
Explicit consent is required before your financial information is retrieved, shared or transferred. RBI requires a standardized consent artefact so that the request is specific rather than an open-ended permission.
What the consent artefact identifies
- Your identity and, optionally, contact details.
- The nature and attributes of the information requested.
- The purpose for collecting and using it.
- The identity of the recipient, where applicable.
- A notification address.
- The date and time the consent was created and when it expires.
- The AA’s identity and signature or digital signature.
- Any additional attributes required by RBI.
When obtaining consent, the AA must tell you the relevant attributes and your complaint rights. Read the request as a data-sharing instruction, not as a generic “continue” button: check the exact account, information type, date range, recipient, purpose and expiry.
“No financial information of the customer shall be retrieved, shared or transferred by the Account Aggregator without the explicit consent of the customer.” — RBI Master Direction, paragraph 6.1
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Typical consent flow
- Start at the FIU. A lender, wealth-management service, personal-finance tool or another authorized recipient asks for information through an AA connection.
- Choose an AA. You are redirected to, or select, an AA that supports the requested connection.
- Review the request. Confirm the FIP, accounts, information categories, date range, purpose, recipient and expiry date.
- Authenticate with the FIP. Authentication should occur with the bank or other FIP using its approved method, not by handing your credentials to the AA.
- Approve or decline. The AA transfers information only after your explicit approval.
- Manage the permission. Use the AA’s current consent-management controls to view, pause or revoke it where the service provides those options.
The exact screens and labels vary by provider. Verify the current flow before following click-by-click instructions, especially for revocation.
Is an Account Aggregator safe?
The framework is designed around consent and data minimization. RBI rules require access to be based on consent-based authorization, restrict sharing to the customer or an FIU authorized under the consent, and prohibit use or disclosure beyond what the consent permits.
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Does an Account Aggregator see my bank password?
It should not. RBI requires an AA not to request or store credentials used to authenticate with an FIP, including passwords, PINs and private keys. Authentication is intended to happen with the FIP. If a screen asks you to type your bank password directly into the AA service, stop and verify that you are on the bank’s or FIP’s authorized authentication page.
Does the AA store my financial information?
RBI rules say customer financial information accessed by the AA from an FIP must not reside with the AA. RBI’s consumer education also describes the service as one through which you can share information securely because the AA “does not see or store your financial information.” This describes the regulatory design; it is not a guarantee that every implementation is compliant. Check the provider’s current privacy notice, security information and complaint channel.
What the AA can share
The AA may share information with you or with an FIU authorized under the consent terms. It may not repurpose the information for advertising, profiling or another use that the consent does not allow. A consent request that names an unfamiliar recipient or an overly broad purpose is a reason to decline and ask the FIU for clarification.
Who is eligible to use an AA?
Eligibility is determined at the ecosystem level, not merely by downloading an AA app. You generally need a relevant account held by a participating FIP, and the FIU requesting the data must be authorized to receive that information for the stated purpose.
- A consumer account must be with an institution that has enabled the relevant AA connection.
- The requested account type and information must be supported by both sides of the connection.
- The FIU must be permitted to receive the information and must identify a legitimate purpose in the consent request.
- You must be able to complete the FIP’s authentication and approve the consent.
There is no universal account-level eligibility list in the RBI category descriptions. Participation and connection coverage can change, so the current account picker in your chosen AA and your institution’s own support information are the practical checks.
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Which accounts can I link?
RBI consumer education identifies these broad categories of potential FIPs:
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| Category | Examples of information or institutions in scope | Important qualification |
|---|---|---|
| Banks and NBFCs | Deposit, loan and other financial information held by participating institutions | Not every bank, NBFC or account type is connected to every AA. |
| Asset-management companies and depositories | Mutual-fund and securities-related holdings where supported | Availability depends on the specific institution and connection. |
| Insurers and insurance repositories | Insurance policy information held through participating entities | A category being in scope does not prove a particular policy is retrievable. |
| Regulated entities | Entities regulated by RBI, SEBI, PFRDA and IRDAI | Actual access depends on FIP participation and the requested data type. |
| GSTN | GST information referenced for cash-flow-based lending to MSMEs | This is a use case and does not mean every GST account is available through every AA. |
| Central Recordkeeping Agencies | NPS subscriber information, including balances | RBI replaced “Pension Fund” with “Central Recordkeeping Agency” as the FIP category in its October 26, 2023 review notification. |
| Clearing Corporation of India Limited | Government Securities held in RBI Retail Direct Gilt accounts | RBI included CCIL as an FIP in a notification dated February 22, 2024. |
Use the table as a map of supported categories, not as a promise of live coverage. Search for your exact FIP and account type in the AA’s current connection flow. If the institution is absent, do not assume that manually uploading statements creates an AA connection; ask the FIU what alternative, authorized method it accepts.
What is Account Aggregator data used for?
RBI identifies lending, credit monitoring, wealth management, personal-finance management and reconciliation as possible uses. The use case must be stated in the consent request and limited to the information needed for that purpose.
Loan applications
A lender may request transaction, balance or other permitted information to assess cash flow and affordability. Sharing data does not guarantee approval, a particular interest rate or any credit decision. The lender remains responsible for underwriting, and the AA does not become the lender merely because it transfers the records.
Personal finance and wealth management
An authorized service may use consented information to show a consolidated view, monitor credit-related information, reconcile records or support investment planning. Check whether the request asks for a one-time snapshot or recurring access and whether the expiry date matches that need.
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Is Account Aggregator free?
Not necessarily. The RBI definition allows an AA to operate “for a fee or otherwise,” so the framework does not establish that every consumer service must be free. The official material does not set a uniform retail charge or a standard provider tariff.
Before approving consent, inspect the AA’s current terms and any charge disclosure. Distinguish an AA fee from a fee charged by the FIU for its own service, such as a loan or investment product. If no price is shown, ask the provider whether any recurring, per-request or indirect charge applies.
Can I revoke consent?
Consent is intended to remain under your control, and AA services provide consent-management functions. The exact revocation path, labels and consequences are provider-specific. Open the consent-management area, identify the relevant FIU and permission, and use the available revoke or stop-sharing control. Then confirm the status shown by the AA and, if necessary, contact its support or complaint channel.
Revoking consent stops future sharing under that permission; it does not necessarily erase information that an FIU lawfully received while the consent was active. Ask the FIU how it handles data already received, retention periods and deletion requests under the laws and rules that apply to its service.
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How to choose between Account Aggregator services
Do not rank providers on a generic “safe” label without current, comparable evidence. Compare observable terms in the live flow:
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| Check | Questions to ask |
|---|---|
| FIP and account coverage | Does the exact institution and account type appear in the current connection picker? |
| Data scope | Which information categories and date range are requested? |
| Recipient and purpose | Is the FIU named, and is the stated purpose specific enough to understand? |
| Validity and controls | When does consent expire, and where can you view or revoke it? |
| Fees | Are any one-time or recurring charges disclosed before approval? |
| Support and complaints | Is there a clear support process and information about complaint escalation? |
Common problems and what to do
Your bank or account does not appear
Confirm the institution name, account type and spelling, then check whether the FIU supports another AA connection. Coverage is institution-specific and can change. Contact the FIP or FIU rather than choosing an unrelated provider solely because it appears in a search.
Authentication fails
Restart from the FIU’s official flow, verify that your mobile number and other contact details meet the FIP’s requirements, and avoid entering credentials into an AA page. If the FIP itself rejects authentication, its support team must resolve that failure.
The consent request is too broad
Decline it and ask the FIU to narrow the information, date range, purpose or validity period. A request should make the recipient and intended use understandable before you approve it.
You see an unexpected fee
Do not approve until the charge is identified. Ask whether it is from the AA or the FIU, whether it is one-time or recurring and where the applicable terms are published.
You suspect misuse
Revoke the relevant consent if the AA provides that control, save the consent details and contact both the AA and the FIU through their complaint channels. Escalate through the applicable regulatory grievance route if the provider does not resolve the issue.
Quick Recap
Key takeaways
- An AA moves financial information; it does not move money or approve loans.
- Explicit, time-bound consent should identify the information, purpose, recipient and expiry.
- The AA should not request FIP passwords, PINs or private keys, and RBI rules say retrieved information must not reside with it.
- Banks, NBFCs, securities and insurance institutions, CRAs, GSTN and other categories may participate, but live account coverage is provider-specific.
- Fees are not standardized; read the current terms before consenting.
- Data sharing can support a financial service, but it never guarantees credit approval.
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