List of Account Aggregators in India with their Services

In India, managing money often means juggling multiple bank accounts, loans, mutual funds, and insurance policies. Traditionally sharing this data used to be time consuming and paper heavy process, to tackle this RBI has introduced Account Aggregator (AA). Account Aggregators are the middleman of the financial institutions which collects data from banks, insurance providers mutual funds, stockbrokers etc. This data is only collected after the user gives the consent for it and the system is very robust in terms of privacy and flexibility.

Currently AAs adoption is growing rapidly which shows that its not just a concept but a major part of Digital India 2.0, built on the DEPA (Data Empowerment and Protection Architecture). The framework ensures citizens have secure and consent-driven control over their financial information, aligning with the government’s broader vision of a digital-first economy.

How Many Account Aggregators Are There in India?

As of 2025, the RBI has granted operating licenses to 16 Account Aggregators, with one more in the pipeline under in-principle approval. In 2023 only 39 million accounts where linked to the AA ecosystem to now in 2025 its more than 120 million accounts calling it is a good growth would be an understatement.

List of Account Aggregators

1. Agya Technologies – Setu AA
2. CAMSFinServ
3. Cookiejar Technologies – Finvu
4. CRIF Connect
5. Cygnet Account Aggregation
6. Dashboard Account Aggregator – Saafe
7. Digio
8. FinSec AA – OneMoney
9. NESL Asset Data – NADL
10. OMS Fintech AA
11. Protean Account Aggregator – SurakshAA
12. Perfios Account Aggregation – Anumati
13. PB Fintech Account Aggregator
14. Tally Account Aggregator – TallyEdge
15. Unacores AA – INK
16. ScoreMe AA

Account Aggregators and their Services

1. 1. Agya Technologies – Setu AA

      Setu is a new-age fintech startup, recently acquired by Pine Labs. It is best known for building APIs that connect financial institutions with apps and businesses. Beyond Account Aggregation, Setu has pioneered products in UPI, BBPS bill payments, and recurring payments, making it a backbone for fintech innovation in India. Below are the USP of Setu:

      • Services: AA platform enabling seamless, consent-based data sharing for banks, fintechs, and NBFCs.
      • Strength: Developer-first approach with strong integrations into financial apps.
      • Use Case: A lending app uses Setu AA to instantly fetch customer bank statements.
      • Market Focus: B2B2C – serves businesses and fintechs who deliver solutions to end-users.
      • User Benefit: Faster and paperless loan approvals with personalized recommendations.

   2. CAMSFinServ
      

      CAMSFinServ is part of CAMS (Computer Age Management Services), the largest mutual fund registrar in India. With decades of trust in handling sensitive investor data, CAMSFinServ brings institutional credibility to the AA space. Below are the USP of CAMSFinServ:

      • Services: Provides AA services across mutual funds, banks, and insurers.
      • Strength: Backed by a financial giant with deep domain expertise.
      • Use Case: A bank requests CAMSFinServ to share verified mutual fund holdings for a loan against securities.
      • Market Focus: B2B – built mainly for banks, NBFCs, and mutual fund houses.
      • User Benefit: Reliable, secure, and institutionally trusted for investors.

   3. Cookiejar Technologies – Finvu
      

      Finvu is one of the earliest AA startups, known for building a simple and transparent consumer-facing app. Its early entry gave it a wide base of both users and lender partnerships. Below are the USP of Finvu:

      • Services: Facilitates sharing of bank, tax, pension, and insurance data.
      • Strength: D2C app with clear consent flows.
      • Use Case: A salaried professional shares six months of bank statements with a housing finance company through Finvu.
      • Market Focus: B2C and B2B2C – direct app for individuals and integrations for lenders.
      • User Benefit: Easy and transparent financial data sharing in just a few clicks.

   4. CRIF Connect

      CRIF Connect is part of CRIF India, backed by the global CRIF Group from Italy, known for credit bureaus and risk analytics. It leverages global expertise in data and risk management to strengthen India’s AA ecosystem. Below are the USP of CRIF:

      • Services: Provides verified income, liabilities, and repayment data.
      • Strength: Global credibility in credit risk and analytics.
      • Use Case: A lender verifies a borrower’s repayment history through CRIF Connect before sanctioning a loan.
      • Market Focus: B2B – caters mainly to banks, NBFCs, and large institutions.
      • User Benefit: Faster approvals and reduced fraud risks.

   5. Cygnet Account Aggregation

      Cygnet Infotech is an IT company that expanded into financial services with its AA platform. It has built strong solutions for linking business data like GST returns with financial data, making it especially useful for small businesses. Below are the USP of Cygnet:

      • Services: Shares GST returns, banking data, and business financials.
      • Strength: Focus on SMEs and enterprise finance.
      • Use Case: A small business shares GST and bank data via Cygnet to apply for working capital.
      • Market Focus: B2B and B2B2B – works with banks and fintechs serving SMEs.
      • User Benefit: Makes it easier for businesses to get loans without lots of paperwork.

   6. Dashboard AA – Saafe

      Saafe is a startup built to give individuals more visibility into how their financial data is used. It focuses on building a simple dashboard that helps people track and control their consents easily. Below are the USP of Saafe:

      • Services: Dashboard to approve, monitor, or revoke consent requests.
      • Strength: User-friendly and focused on personal finance control.
      • Use Case: A user checks who has access to their data and revokes unnecessary permissions.
      • Market Focus: B2C – made directly for individuals.
      • User Benefit: Easy control and better trust in how data is used.

   7. Digio Link

      Digio is a well-established fintech company with a long history of providing e-signature and e-mandate services in India. Millions of users have already relied on Digio’s backend while signing up with banks, insurers, or fintech apps, making it a trusted player before becoming an AA. Below are the USP of Digio:

      • Services: Combines AA with e-sign and authentication.
      • Strength: Trusted by many banks and insurers for digital onboarding.
      • Use Case: An insurer uses Digio to complete both e-sign and financial data sharing during a new policy application.
      • Market Focus: B2B2C – works with banks, fintechs, and insurers.
      • User Benefit: Fewer steps for customers, faster onboarding.

   8. FinSec AA – OneMoney

      OneMoney is the first licensed AA in India and played a key role in shaping the initial standards of the AA ecosystem. It worked closely with banks and regulators, setting the foundation for how consent-based data sharing works today. Below are the USP of OneMoney:

      • Services: Shares secure banking and personal financial data.
      • Strength: First mover in the AA space with wide partnerships.
      • Use Case: An individual uses OneMoney to send verified bank statements to a lender.
      • Market Focus: B2C and B2B2C – app for individuals, also used by lenders.
      • User Benefit: Simple, tested, and reliable.

   9. NESL Asset Data – NADL

      NESL (National E-Governance Services Ltd) is a government-backed institution with a long-standing role in India’s compliance systems. Known for managing the Information Utility under the Insolvency and Bankruptcy Code, NESL extends its trusted governance framework into Account Aggregation. Below are the USP of NESL NADL:

      • Services: Shares data for individuals, corporates, and financial institutions.
      • Strength: Backed by government trust and secure infrastructure.
      • Use Case: A corporate borrower shares verified financial data with a bank using NESL.
      • Market Focus: B2B and B2B2C – works with large institutions and also through banks for individuals.
      • User Benefit: Strong focus on compliance and safety.

   10. OMS Fintech AA

       OMS Fintech is a new AA startup that focuses on quick integrations for lenders and NBFCs. It helps new-age digital lenders speed up onboarding with simple data-sharing solutions. Below are the USP of OMS Fintech:

       • Services: Provides data-sharing services for digital lenders.
       • Strength: Fast and focused on new-age lending apps.
       • Use Case: A fintech lender uses OMS Fintech AA to instantly verify customer bank data.
       • Market Focus: B2B2C – built for lenders that serve retail customers.
       • User Benefit: Faster access to loans without physical documents.

   11. Protean Account Aggregator – SurakshAA

       Protean eGov (formerly NSDL e-Gov) is a pioneer in India’s digital public infrastructure with a long history of handling PAN card services, Aadhaar-based systems, and e-governance platforms. Its AA platform, SurakshAA, builds on this deep experience. Below are the USP of SurakshAA:

       • Services: Data sharing for banks, insurers, and NBFCs.
       • Strength: Legacy of trusted government-linked services.
       • Use Case: A PSU bank uses SurakshAA to fetch customer details for loan processing.
       • Market Focus: B2B and B2B2C – strong with public sector banks and insurers.
       • User Benefit: Trusted option for government-related financial services.

   12. Perfios Account Aggregation – Anumati

       Perfios is a fintech leader with a long track record in financial data analytics and credit decisioning. For years, it has worked with banks and NBFCs to provide insights, and with Anumati, it extends its expertise into consent-based data sharing. Below are the USP of Anumati:

       • Services: Shares and analyzes financial data for lenders.
       • Strength: Strong relationships with private banks.
       • Use Case: A lender uses Anumati to fetch income and spending data for loan evaluation.
       • Market Focus: B2B2C – works with banks who then serve individuals.
       • User Benefit: Faster loan approvals based on verified financial insights.

   13. PB Financial AA

       PB Financial is part of PB Fintech, the parent company of Policybazaar and Paisabazaar. By using its large consumer base in insurance and credit, PB Financial integrates AA services into platforms already familiar to millions of users. Below are the USP of PB Financial:

       • Services: Focused on insurance and lending data sharing.
       • Strength: Leverages Policybazaar’s large customer base and tech systems.
       • Use Case: A Policybazaar customer shares financial data for a loan via PB Financial AA.
       • Market Focus: B2B2C – integrated into PB Fintech’s consumer platforms.
       • User Benefit: Smooth experience for users already on Policybazaar.

   14. Tally Account Aggregator – TallyEdge

       Tally is a long-standing accounting software brand trusted by SMEs across India. With its AA platform TallyEdge, it helps small businesses connect their accounting data directly with lenders, speeding up access to credit. Below are the USP of TallyEdge:

       • Services: Shares ERP data and business records with lenders.
       • Strength: Strong presence among SMEs.
       • Use Case: A business owner shares Tally data with a bank to apply for a loan.
       • Market Focus: B2B and B2B2C – works with lenders serving small businesses.
       • User Benefit: No need to manually prepare financial statements.

   15. Unacores AA – INK

       Unacores is a startup focused on privacy-first data sharing. Its AA platform, INK, is designed to give individuals full transparency and easy ways to manage or revoke data consents. Below are the USP of INK:

       • Services: Shares secure financial data between banks and NBFCs.
       • Strength: Strong focus on privacy and user control.
       • Use Case: A user shares bank data with a lender and later revokes it easily.
       • Market Focus: B2C and B2B2C – direct for individuals, also works with banks.
       • User Benefit: Full control and peace of mind while sharing data.

   16. ScoreMe AA

       ScoreMe is a credit analytics company that expanded into Account Aggregation. By combining its credit scoring models with AA services, it helps lenders make quicker and more accurate credit decisions. Below are the USP of ScoreMe:

       • Services: Shares financial data with integrated credit scoring.
       • Strength: Expertise in credit risk and scoring.
       • Use Case: A bank checks borrower data and credit score instantly through ScoreMe.
       • Market Focus: B2B – built mainly for banks and NBFCs.
       • User Benefit: Quick and accurate loan assessments.

Upcoming Account Aggregator – Upmint Solutions

While there are currently 16 licensed Account Aggregators operating in India, one more has received in-principle approval from the RBI – Upmint Solutions. This means Upmint is not yet live but has cleared the first step towards becoming a full-fledged AA.

Upmint is a new startup that is expected to focus on making financial data sharing more simple and user-friendly. As a fresh entrant, it will likely bring innovation in how users give consent and manage their data, and also compete with established players to offer smoother integrations for fintechs and banks.

FAQs about Account Aggregators

1. What is an Account Aggregator (AA)?

   An Account Aggregator is a licensed RBI-regulated platform that allows users to share their financial data (like bank statements, insurance, and investments) securely with banks and fintechs after giving consent.

2. How many Account Aggregators are currently live in India?

   As of now, there are 16 licensed AAs operating in India. One more, Upmint Solutions, has received in-principle approval from the RBI but is not yet live.

3. Which is the first licensed Account Aggregator in India?

   OneMoney (FinSec AA) was the first RBI-licensed Account Aggregator in India and played a key role in shaping the AA ecosystem.

4. What are the top Account Aggregators currently operating in India?

   Some of the top Account Aggregators include Setu (Agya Technologies), CAMSFinServ, Finvu (Cookiejar), Anumati (Perfios), SurakshAA (Protean eGov), and NADL (NESL) among others.

5. Which Account Aggregator is best for individuals?

   For individuals, Finvu, OneMoney, INK (Unacores), and Saafe (Dashboard AA) are popular as they offer easy-to-use consumer apps with transparent consent management.

6. Which Account Aggregator is trusted by institutions?

   CAMSFinServ, NESL NADL, and Protean SurakshAA are widely trusted by banks, NBFCs, and insurers due to their strong institutional and governance backing.

7. Which Account Aggregator is focused on SMEs and businesses?

   TallyEdge (Tally), Cygnet AA, and Perfios Anumati specialize in business data sharing such as GST returns, ERP data, and financial records to help SMEs access faster credit.

8. What is the upcoming Account Aggregator in India?

   Upmint Solutions has received in-principle approval from RBI and is expected to launch soon with a focus on user-friendly data-sharing experiences.

9. How do I choose the right Account Aggregator for me?

   If you are an individual borrower, apps like Finvu, OneMoney, or INK may suit you best. If you are a business or SME, TallyEdge or Cygnet could be better. For large financial institutions, CAMSFinServ, NESL NADL, or SurakshAA are trusted options.

In short, Account Aggregators are transforming how financial data moves in India. With 16 licensed players and more on the way, they are replacing paperwork with secure, digital, and consent-based sharing. As part of Digital India 2.0 and the DEPA framework, AAs give people more control, make borrowing and onboarding faster, and help institutions take better decisions. This ecosystem is set to grow further, opening up easier access to financial services for both individuals and small businesses.