Driving the Consent-Led Open Finance Movement
Financial Entities Live on AA 890+
Financial Information Users (FIUs) 720
Financial Information Providers (FIPs) 176
Financial Entities Live on AA 890+
Financial Information Users (FIUs) 720
Financial Information Providers (FIPs) 176
17 Operational Account Aggregators
75 Technology Service Providers (TSPs)
4 Certifiers
890+ Live Entities on AA
Real Impact. Across Sectors. Powered by AA
From simplifying customer onboarding to strengthening underwriting, AA is powering a wide range of innovative use cases across lending, investments, insurance, personal finance, and regulatory compliance.
Lending
By providing lenders with instant, consented, and verified financial data, Account Aggregators accelerates credit decisions, reduces operational friction, and expands access to affordable credit for millions, especially first-time and underserved borrowers.
Stockbroking
With seamless, consented access to verified financial data, the Account Aggregator framework is transforming the stockbroking experience. AA enables brokers to complete onboarding faster, assess investor profiles more accurately, and offer personalised investment journeys, helping millions participate in the markets with greater ease, trust, and transparency.
Personal Finance Management (PFM)
Through the Account Aggregator framework, individuals can bring together their financial information from multiple accounts into one consented view. This unified snapshot enables personalised insights, incidental recommendations, and clearer financial decision-making, essentially creating a real-time balance sheet for every individual.
Life Insurance
The Account Aggregator framework is already helping insurers unlock meaningful gains across the value chain. With real-time, consented access to verified financial data, insurance providers are expanding their market reach, driving premium growth, improving operational efficiency, strengthening fraud mitigation, and achieving better persistency outcomes.
The Impact of AA
Driving Adoption & Trust—By the Numbers
242m +
Accounts Linked
348m +
Consent Requests Fulfilled
890 +
Participants
397m +
Monthly Data Shares on AA (As of November 2025)
Sahamati Members
On Account Aggregator (AA) Foundation Day, we congratulate the AA Ecosystem for making financial data sharing safe, simple, and consent-driven. We see the AA Framework promoting the use of data, analytics and technology for designing insurance products that are more affordable, accessible, and tailored to people’s needs. In 2025, the use of AA increased in the insurance sector, particularly for underwriting term insurance policies, and we encourage more insurance companies to experiment and innovate using the powerful DPI rails. This DPI is poised to play a key role in ensuring that every Indian family has adequate protection, and we achieve the country’s objective of “Insurance for All by 2047”.
Ajay Seth
Chairperson, IRDAI
The entire Account Aggregator ecosystem can transform the pension landscape by enabling seamless, consent-driven access to financial histories ensuring no citizen is left behind in retirement planning and advancing the vision of universally accessible pensions.
Chairperson, PFRDA
4 years of AA, and the network has evolved so elegantly. I remember the formative days and close association with the Sahamati team. From policy frameworks to committees for adoption, this has come a long way, and it’s continuously evolving.
Crores of consents are just the initial proof of potential.
My best wishes to every participant as we unlock
Value and financial inclusion
CEO, NPCI BHIM
On 2nd September, Foundation Day, we celebrate the remarkable journey of the Account Aggregator ecosystem.
From 24+ crore consent requests and 18+ crore linked accounts, to enabling loans worth ₹1.6 lakh crore across 1.8+ crore loan accounts—AA has become a key pillar of India’s digital public infrastructure, transforming financial access for millions of individuals and businesses alike.
At NBBL, we extend our compliments to every stakeholder driving RBIs vision of trust, inclusion, and consent-based finance.
Here’s to scaling new horizons and shaping the future of finance together!
MD & CEO, NPCI Bharat BillPay Ltd
“The Account Aggregator (AA) ecosystem is a fundamental shift in the way business will be done. That’s really how we are driving the business at this point. Equipping us to collect client consent to access their bank statements in a structured manner and allow us to underwrite them right, price them right, expand exposures, and monitor the portfolio for early warning is a dramatic shift!”
Rajeev Jain
Managing Director– Bajaj Finance Limited (BFL) in the Q4 FY24 Earnings Conference Call
In the current integrated environment, the Account Aggregator (AA) ecosystem is likely to significantly impact digital lending to underpenetrated segments across Retail and MSME. We were the first Bank to launch digital lending through the AA framework in fiscal 2022 and have since scaled our AA-linked business significantly
Amitabh Chaudhry
MD & CEO Axis Bank
The Account Aggregator ecosystem is a significant foundational pillar of our Digital Public Infrastructure promoting safe, consent-driven data exchange, and promises to enable sustainable lending to the benefit of all participants
President and Chief Risk Officer (CRO), Bajaj Finance
From the Ecosystem
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