Finvu (operated by Cookiejar Technologies Pvt. Ltd.) was founded in 2017 in Pune, Maharashtra. The company focuses on secure financial data sharing. In March 2020, it received its Account Aggregator license from the RBI, becoming one of the first licensed AAs in the country. In 2022, Finvu raised seed funding from notable investors including Varanium NexGen Fund, IIFL, and DMI Sparkle Fund.
An Account Aggregator is a framework introduced by the Reserve Bank of India (RBI) that allows people to share their financial data digitally in a safe and consent-based manner. Instead of uploading documents or bank statements, users can approve data sharing instantly through a secure platform. Finvu is one of the 16 Account Aggregators in India.
Finvu’s services combine the standard AA framework with unique features like a personalized handle, wide account coverage, and developer-ready APIs, making it useful for both consumers and fintechs.
This consent-driven process ensures data is safe, transparent, and fully under user control.
Finvu enables fintechs to create efficient, data-driven financial solutions across lending, personal finance, and wealth management by leveraging secure, consented data access.
Finvu works in the background of many major financial apps and platforms like NiyoX, Paytm Money, Paisabazaar and many more but most people only see its name during specific consent journeys such as:
A typical flow looks like this: a user applies for a financial product, the app triggers a Finvu consent screen, the user selects accounts and approves, and the data flows securely in seconds. What earlier took days of paperwork is now completed in minutes.
Finvu offers wider data coverage compared to many other AAs. Along with bank accounts, it also supports access to mutual funds, insurance, pensions, and deposits, giving users and institutions a more complete financial picture.
Another key benefit is the unique Finvu handle, which works like a UPI ID. This makes the consent process simpler and faster, as users can share data without repeatedly entering account details, adding both convenience and consistency.
For institutions, Finvu allows periodic access to financial data with a single consent and provides strong developer support with clear API documentation. This helps banks and fintechs build scalable products quickly while keeping the process transparent and user controlled.
Finvu was among the first Account Aggregators to be licensed in 2020, placing it alongside early players such as CAMSFinServ and OneMoney. Unlike newer entrants, it has had more time to refine its APIs and build integrations with both banks and fintechs.
Compared to CAMSFinServ, which benefits from being backed by an established registrar and transfer agent, Finvu differentiates itself through its broader coverage of financial products like insurance and pensions, and through its user-friendly AA handle system. Against other AAs that emphasize API infrastructure or institutional scale, Finvu highlights recurring data access and simple consent flows tailored for lending and wealth use cases.
Overall, Finvu positions itself as a versatile AA that balances consumer-facing features with developer-friendly integration, while some peers lean more heavily toward institutional scale or ecosystem reach.
Finvu is looking beyond its current role as an Account Aggregator and is focusing on a few new areas of growth:
Finvu AA is an RBI-licensed Account Aggregator that helps people share their financial data safely with consent. It is operated by Cookiejar Technologies Pvt. Ltd., founded in 2017 in Pune.
Finvu received its Account Aggregator license in March 2020, making it one of the earliest licensed AAs in India.
Finvu allows users to link bank accounts, deposits, insurance, pensions, and mutual funds, and share this data securely with financial institutions (FIUs). It also offers APIs for banks and fintechs to integrate AA flows into their apps.
Most people use Finvu AA when applying for loans or credit cards, or while using apps like NiyoX, Paytm Money, or Paisabazaar. It shows up as a consent screen where the user approves data sharing.
Finvu stands out with its wide data coverage, unique AA handle for each user, and support for periodic data sharing through a single consent, making it convenient for both users and institutions.
No. Finvu does not store any financial data. It only facilitates the secure transfer of data from the source institution to the requesting institution chosen by the user.
To learn more about Finvu click here.
Finvu has positioned itself as a versatile Account Aggregator by combining broad financial data coverage with simple consent flows and strong integration support for institutions. Its focus on enabling recurring data access, offering users a unique AA handle, and building tools that developers can adopt easily makes it stand out in the growing AA ecosystem.
Looking ahead, Finvu’s role will extend beyond just secure data transfer. By working closely with banks, NBFCs, and fintech platforms, it has the potential to power faster credit delivery, richer personal finance tools, and smarter wealth solutions. As India’s financial ecosystem moves deeper into data-driven services, Finvu is well placed to support innovation while keeping user control and privacy at the center.
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