Perfios Account Aggregator

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What Perfios Account Aggregator is

Perfios Account Aggregator retrieves customer financial information and consolidates it for the customer or a registered Financial Information User (FIU). Supported information includes bank and NBFC deposits, securities, mutual funds, insurance policies, National Pension System balances, structured investment products, and commercial paper. Access is based on a customer consent artefact obtained under applicable directions. The FIU platform supports single-consent and multi-consent flows, with account discovery by account type, financial information type, and Financial Information Provider ID. It is pre-integrated with Sahamati’s Central Registry and Token Server and with Perfios’s analytics engine. Perfios describes encryption and decryption, ReBIT schema-contract validation, and quarterly and yearly interoperability and security audits. FIU Lite exports customer reports as XML, Excel, or PDF. Perfios says it runs on the RBI-approved Account Aggregator network and can go live in less than three days. FIU Lite enrollment is listed at ₹ 1000 per month, billed annually with GST extra, including 100 data fetch transactions; top-ups are ₹ 20 per fetch with a 200-transaction minimum.

Who it suits

Perfios Account Aggregator is intended for registered FIUs handling consented financial data. Its FIU tools suit organizations needing account discovery, consolidated reports, and integrations with India’s Account Aggregator network.

What it does well

Consolidates diverse financial information types
Supports single and multi-consent flows
Pre-integrated with Sahamati and analytics engine
Exports reports as XML, Excel, or PDF
Lists encryption and recurring security audits

What to know first

Services are not for unregistered entities
Enrollment costs ₹ 1000 per month
Prices billed annually with GST extra
Top-ups require a 200-transaction minimum

Verdict

Perfios Account Aggregator combines consent-based financial data collection with FIU workflow and export tools. Its listed FIU Lite pricing and eligibility requirements make it primarily a business service for registered Financial Information Users.

Facts from Perfios Account Aggregator's own pages

Company: Perfios describes itself as a provider serving financial institutions across origination, onboarding, decisioning, underwriting, and monitoring. · perfios.ai, 5 Oct 2026
Consent: The terms define a customer consent artefact that Perfios-AA obtains as prescribed under applicable directions. · fiu.perfios.com, 5 Oct 2026
Data export: FIU Lite says customer reports can be downloaded as XML, Excel, or PDF files. · perfios.ai, 5 Oct 2026
Deployment: Perfios says FIU Lite is built on the RBI-approved Account Aggregator network and can go live in less than three days. · perfios.ai, 5 Oct 2026
Eligible users: Perfios-AA’s terms say its services are for registered FIUs and are not for use by other entities. · fiu.perfios.com, 5 Oct 2026
Financial data: The listed information types include bank and NBFC deposits, securities, mutual funds, insurance policies, and National Pension System balances. · fiu.perfios.com, 5 Oct 2026
FIU features: Perfios’s FIU platform supports single or multi-consent flows and account discovery by account type, FI type, and FIP ID. · perfios.ai, 5 Oct 2026
Headquarters: Bengaluru, India · perfios.com, 4 Oct 2026
Integration: The FIU platform is pre-integrated with Sahamati’s Central Registry and Token Server and with Perfios’s analytics engine. · perfios.ai, 5 Oct 2026
Pricing availability: Perfios’s FIU Lite page displays an enrollment cost of ₹ 1000 per month, billed annually with GST extra, including 100 data fetch transactions; it lists top-ups at ₹ 20 per data fetch transaction, billed annually with GST extra and a 200-transaction minimum. · perfios.ai, 5 Oct 2026
Security: Perfios says the FIU platform uses encryption and decryption, ReBIT schema contract validation, and quarterly and yearly interoperability and security audits. · perfios.ai, 5 Oct 2026
Service: Perfios-AA retrieves or collects customer financial information and consolidates, organizes, and presents it to the customer or a registered Financial Information User (FIU). · fiu.perfios.com, 5 Oct 2026
Support/contact: Perfios’s contact page provides an inquiry form for users to submit their company, contact details, and product of interest. · perfios.ai, 5 Oct 2026

Where Perfios Account Aggregator stands on Freedom251

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