The AA Network in 2026
The Account Aggregator (AA) framework allows individuals to share financial data (bank statements, mutual fund portfolios, GST data) with third parties through a consent-based, real-time API. As of March 2026, all major banks and several NBFCs are live on the AA network.
How It's Being Used
The primary use case is faster loan underwriting — instead of submitting PDF bank statements, borrowers grant a 2-minute consent and lenders get structured, tamper-proof data. This has cut personal loan processing times from days to hours for several lenders. Wealth management apps are using AA to give users a consolidated view of all their financial accounts.
Your Control Over Data
You retain full control. Consent is time-bound and purpose-specific — a lender cannot pull data beyond the scope and duration you approved. You can revoke consent at any time via your AA app (Finvu, OneMoney, Sahamati, etc.). If you haven't tried it yet, many loan applications and investment platforms now offer an AA-based onboarding flow.