To connect a bank account to an RBI-regulated Account Aggregator (AA), sign in to an AA app, select your bank, provide the identifier it asks for, then complete the bank’s ownership verification—described by Sahamati as an OTP step. Connecting the account does not, by itself, authorize a lender or another financial service to access its data: each data request requires a separate consent decision.
What you need before you start
- A bank account with a Financial Information Provider (FIP)—the institution that holds the account data.
- An account with an AA app. You can register with an AA without linking an account immediately.
- The identifier your bank uses to find your account, such as a verified mobile number, PAN, FIP Customer ID or Customer Registration Number. The bank determines which identifier it accepts; there is no single field that works everywhere.
- Access to the OTP verification step presented by the bank or FIP.
The AA framework is voluntary for consumers. The Reserve Bank of India established it through its NBFC-Account Aggregator Directions dated 2 September 2016. In the framework, a bank can act as an FIP, while a regulated lender or other financial service requesting information can act as a Financial Information User (FIU). The AA manages consent and the data-sharing flow between them. The Department of Financial Services explains the framework; the RBI Directions set out its regulatory basis.
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How to link your bank account
- Open an AA app and sign up or sign in. If you have not registered with an AA before, create an account in the app you choose. Each AA has its own app and login; an account with one AA does not automatically sign you in to another.
- Choose the bank that holds your account. In the app’s account-linking flow, select the bank or other FIP where the account is held.
- Enter the requested identifier. Provide the information the FIP uses for account discovery. Depending on the institution, this may be a verified mobile number, PAN, FIP Customer ID or Customer Registration Number. Follow the field shown in your app rather than assuming your bank asks for the same detail as another bank.
- Complete the FIP’s ownership check. Sahamati describes the FIP verifying account ownership by sending an OTP. Enter it in the bank/FIP verification step shown by the app. Screens and OTP delivery details can vary.
- Check that the account appears in the AA app. The linking step makes the account available for a later consented data-sharing request; it is not approval for an FIU to access your information.
Sahamati’s account-linking FAQ describes the identifiers and OTP verification. Its May 2023 customer-flow illustration is an example journey, not a guarantee that every current app uses identical screens.
Review consent before sharing data
If a lender or other FIU later requests financial information, the AA presents a consent request. Read it before approving. Check:
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- Recipient: which FIU will receive the information.
- Purpose: why the information is being requested.
- Information requested: what account data and types of information are included.
- Validity: the consent’s duration or expiry and any other stated limits.
The Department of Financial Services states that “No financial information of the customer is retrieved, shared or transferred by AA framework without the explicit consent of the customer.” Linking an account and approving a data request are therefore distinct decisions. The Sahamati FAQ and RBI Directions describe consent as governing the sharing request.
Manage or revoke consent
Use the AA app to review your consents, revoked consents and FIU data-request history. You can revoke AA consent there. Check the consent details in the app if you need to confirm the scope or status of a particular authorization. Sahamati describes these controls in its consumer FAQ.
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Protect your credentials and understand the AA’s role
Do not give an AA your bank password, PIN or card details. The described linking process uses an FIP-specific identifier and OTP verification; Sahamati says AA data sharing avoids sharing login credentials with third parties. Follow only the verification step presented by the bank or FIP in the AA flow.
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If your bank does not appear
Availability depends on connections between a particular FIP and AA; not every bank is available in every AA. Sahamati says the ecosystem is still scaling and that many FIPs have initially gone live with one or two AAs. Check the current FIP-AA mapping information referenced by Sahamati, or try an AA connected to your bank. A missing bank in one app does not establish that the bank is unavailable across the ecosystem.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.How large the framework is
As of 31 March 2026, the Department of Financial Services reported, attributing the figures to Sahamati, 179 financial institutions live as FIPs, 989 live as FIUs, more than 2.88 billion financial accounts enabled to share data, and 284.6 million accounts linked by users. These are ecosystem-wide figures, not a guarantee that a particular bank is connected to a particular AA. Department of Financial Services progress update.
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