RBI Account Aggregator. Coming Soon.
India's consent-based financial data sharing framework. Pull bank statements, GST returns, insurance policies, and investment data from 100+ Financial Information Providers. Power instant underwriting, cash flow analysis, and financial health scoring. Built on Sahamati's AA specs.
Key Features
Consent Artefact Management
Generate, track, and manage AA consent artefacts per RBI specs v2.0. Granular consent: choose data types (bank statements, GST, insurance), date range, frequency, and purpose. One-tap consent on customer's phone via Sahamati-registered AA apps.
Multi-FI Data Pull
Pull data from 100+ Financial Information Providers in a single consent flow: bank accounts (all scheduled commercial banks), GST (filing history + returns), mutual funds (CAMS/Karvy), insurance (life + general), pension (NPS), and tax (26AS). Data arrives in standardized FI schemas.
Bank Statement Analysis Engine
Auto-parse pulled bank statements using ML: income patterns (salary, business credits, rental), recurring expenses (EMIs, subscriptions, SIPs), cash flow volatility index, average monthly balance, bounce/return rates, and seasonal patterns. Generate credit-ready insights in <30 seconds.
GST Data Cross-Referencing
Pull GST filing history (GSTR-1, 3B, 9) for business verification. Cross-reference GST turnover with bank credits to validate reported revenue. Flag discrepancies (under-reported income, circular transactions). Revenue confidence score.
Cash Flow Scoring (0-900)
Proprietary scoring model using multi-FI AA data: income stability (coefficient of variation), expense discipline (needs vs wants ratio), savings rate, debt-to-income ratio, EMI burden, and bank balance trajectory. Score updates with each data refresh. Configurable weights per use case.
Instant Underwriting for Lenders
For NBFCs and lenders: reduce loan processing from 3-5 days to <2 minutes using real-time AA data. Auto-approve based on configurable credit policies: min score, max DTI, min avg balance, no bounces in 6 months. Decisioning API returns approve/decline/refer in real-time.
Periodic Data Refresh
Set up recurring consent for ongoing monitoring. Auto-pull updated bank statements monthly. Detect early warning signals: declining balance trend, new EMI obligations, salary delays, unusual large debits. Proactive portfolio risk management for lenders.
FI Hub Dashboard
Central dashboard showing all consented financial data per customer. Consent status (active/expired/revoked), data freshness, pull history, score trends over time. Auditor-ready export. DPDP Act-compliant with full consent lineage.
AA + SpacePe Ecosystem
AA data feeds directly into SpacePe's other modules: KYC/KYB (identity verification via bank data), Ledger (auto-create sub-accounts for approved borrowers), Cards (set credit limits based on AA score), and Treasury (cash flow forecasting using AA patterns).
FIU Compliance & Reporting
Act as Financial Information User (FIU) registered with Sahamati. Auto-generate FIU compliance reports, consent audit trails, and data access logs. Ready for RBI inspection with one-click reporting.
[ Integrated with India's Leading Banks ]
★ Deep Integration Partners - Direct API connectivity
How It Works
Customer initiates consent (AA app)
Consent artefact generated (RBI v2.0)
AA framework authenticates with FIPs
Data pulled from banks, GST, MF, insurance
Bank statements auto-analyzed by ML
Cash flow score calculated (0-900)
Credit decision returned in <2 min
Consent tracked with full DPDP lineage
Data refreshed on recurring schedule
Early warning signals monitored