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What is Account Aggregator?

Account Aggregator (AA) is an RBI-regulated entity that consolidates and securely exchanges your financial data from multiple sources like banks, insurance and mutual funds. It gives you a complete overview of your finances, empowering better decisions, while ensuring privacy and consent-based data sharing. The IDFC FIRST Bank Mobile App uses the Account Aggregator to let you seamlessly track your finances in one place.

How Account Aggregator works?

When you consent to share your information with an Account Aggregator (AA), it collects your digital financial data from one or more accounts and delivers it to the financial institution that offers you with services like loans and insurance. The AA framework can be easily adopted into different products and offerings like business loans or personal insurance, thereby meeting both individual and business needs.

Hassle-free background verification for loans

Enjoy faster loan approvals with all your financial data readily accessible in one place.

Seamless personal finance management

Easily share banking, investment and insurance documents with Personal Finance Managers.

Hassle-free background verification for loans

Enjoy faster loan approvals with all your financial data readily accessible in one place.

Seamless personal finance management

Easily share banking, investment and insurance documents with Personal Finance Managers.

Advantages of Account Aggregators

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All-in-one view

Track all your finances in one view.

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Smart decisions

Make better financial choices with unified data.

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Seamless sync

Link and unlink accounts easily.

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Privacy-first

Share only what you choose, securely.

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Time saving

Manage finances faster, with one app.

With Account Aggregator, control is always in your hands

Frequently asked question

How does this feature work?

IDFC First Bank has partnered with Anumati, an RBI-regulated entity that facilitates secure sharing of data between banks/ financial institutions in an encrypted manner.

This feature connects all your savings bank accounts and demat accounts in one place, providing a personalised dashboard to view your bank balances, transactions and stocks portfolio within the IDFC App.

What is Anumati? Why is it involved in this process?

IDFC First Bank has partnered with Anumati, an RBI-regulated Account Aggregator, to power this feature.

What is an Account Aggregator?

Account Aggregator is an RBI-regulated entity that allows simple and secure exchange of financial data between financial Institutions such as banks, depositories, insurance agencies. This information cannot be shared without the user's explicit consent. As per RBI’s mandate, data shared via the AA is encrypted end-to-end and can only be viewed by the user on the consented app. Further, you can securely disconnect your account any time.

Can I opt out of this feature anytime? Will my data be deleted when I disconnect my accounts?

You can disconnect any/all your connected accounts at any time. Once disconnected, all associated financial data will be deleted. Also, no new data will be fetched from the disconnected accounts. 

What are the benefits of connecting all my accounts?

What is the list of banks/entities supported in this feature?

Is this feature free?

Will my data be shared with anyone else?

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