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To check whether an account aggregator (AA) is registered with the Reserve Bank of India, find the company’s exact legal name, search RBI’s current list of registered NBFCs for that name under the NBFC-Account Aggregator (NBFC-AA) category, and check relevant status information, including cancelled registrations. Note the list’s publication or “as of” date. An app name, historical entry or appearance in an AA ecosystem directory does not by itself confirm current RBI registration.
What counts as evidence of RBI registration?
For companies carrying on account aggregator business, RBI’s directions require a certificate of registration, subject to a limited exception for certain entities regulated by another financial-sector regulator that aggregate only information from that sector. RBI’s 2016 notice states that a company may not commence or carry on AA business without obtaining a certificate from the Bank. See the RBI Master Direction on Non-Banking Financial Company – Account Aggregator and RBI’s 2016 press release.
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The practical check is a match between the provider’s legal company name and an RBI listing classified as NBFC-AA, followed by a check of the list date and relevant status information. RBI says its NBFC information section provides lists of registered companies as well as rejected, cancelled and vanishing companies; start at its NBFC information page.
How to check an account aggregator step by step
- Get the legal company name. Ask the provider which legal entity operates the AA service. Check its terms, privacy notice or other official company information, but ask directly if those sources do not make the operator clear. Do not search only the app or brand name.
- Open RBI’s NBFC information and registered-company list. Use the NBFC information section reached from the RBI website, then open the latest list of registered NBFCs. RBI’s site map or NBFC information page can help you find the relevant listing.
- Search for the exact legal name. Use the list’s search function or your browser’s find feature. Confirm that the matching entry is classified as NBFC-AA; a similar name or a different NBFC category is not a sufficient match.
- Check the date and status information. Record the list’s publication or “as of” date. Review relevant RBI status lists, including cancellations, rather than relying on an older list or archived result.
- Resolve any mismatch before sharing information. If the name is missing, ambiguous, or different from the brand shown in the app, ask the provider to identify the legal operator and explain the discrepancy. Confirm against current RBI information before proceeding.
How to interpret the result
The legal name matches an NBFC-AA entry
This is the relevant RBI-list evidence to look for. Check that the list is current enough for your decision and that the status information does not show a relevant cancellation. Keep in mind that any published list reflects its stated date; it is not a guarantee that a provider’s status has remained unchanged since then.
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You find the brand, but not the legal company name
A consumer-facing brand and the company operating the service may have different names. A brand match alone does not establish which legal entity is registered. Ask the provider to identify the operator, then search the RBI list using that exact company name.
The company appears in an ecosystem directory or under another role
The AA framework also includes financial information providers (FIPs) and financial information users (FIUs). A company’s appearance as a FIP or FIU does not, by itself, establish that it is an RBI-registered NBFC-AA. RBI’s own directions and registration information are the authority for checking regulatory status. Sahamati’s account aggregator ecosystem material can help explain ecosystem roles and terminology, but it is not a substitute for RBI records.
No clear match or status remains uncertain
Do not treat an absent or unclear result as confirmation. Ask the provider for its legal operator and registration details, and verify them against the current RBI list and status information. If the discrepancy cannot be resolved, wait before sharing financial information.
Does RBI registration mean you have to share your data?
No. Registration concerns the provider’s regulatory status; it is separate from your decision to authorize a particular data-sharing request. RBI consumer education material says AA sharing is based on customer instructions and consent, and explains that an AA shares information with lending banks and NBFCs only on receiving clear instructions from the customer. Read the purpose and scope shown in the consent request before approving it. See RBI’s FAME consumer education material on Account Aggregators.
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Why counts and ecosystem numbers are not a license check
The Ministry of Finance’s Department of Financial Services reports that RBI had granted certificates to 17 companies as AAs, alongside a framework progress update as of 2026-03-31. That is a dated count, not confirmation that a particular company is registered now. The same update gives ecosystem figures attributed to Sahamati: 179 institutions live as FIPs, 989 live as FIUs, more than 2.88 billion financial accounts enabled and 284.6 million accounts linked. These figures describe ecosystem scale, not the status of an individual provider. See the Department’s Account Aggregator Framework page.
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