India Account Aggregator Framework (RBI)
The Reserve Bank of India (RBI) Account Aggregator (AA) framework enables consent-based sharing of financial data between Financial Information Providers (FIPs) and Financial Information Users (FIUs) through licensed Account Aggregators. Operationalised through the RBI Master Direction on NBFC-Account Aggregator (2016, updated 2021). Uses the Data Empowerment and Protection Architecture (DEPA) for consent management. Covers banking, insurance, securities, pension, and tax data.
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Framework Domains (19)
Audit
| Code | Title |
|---|---|
| AA-1.10 | IT System Audit |
Authentication
| Code | Title |
|---|---|
| AA-1.15 | Customer Authentication |
Consent Architecture
| Code | Title |
|---|---|
| AA-CON-1 | Explicit Consent |
| AA-CON-2 | Consent Artefact |
| AA-CON-3 | Purpose Limitation |
Consent management
| Code | Title |
|---|---|
| AA-1.2 | Consent Artefact Standards |
| AA-1.3 | Customer Consent Dashboard |
Cryptography
| Code | Title |
|---|---|
| AA-1.7 | End to End Encryption |
Customer protection
| Code | Title |
|---|---|
| AA-1.17 | Fee Transparency |
| AA-1.9 | Customer Grievance Redressal |
Data Protection and IT Framework
| Code | Title |
|---|---|
| AA-IT-1 | IT-Driven Business |
| AA-IT-2 | Data Security Safeguards |
| AA-IT-3 | Data Transience |
Data handling
| Code | Title |
|---|---|
| AA-1.6 | Data Flow Restrictions |
Data residency
| Code | Title |
|---|---|
| AA-1.14 | Data Localisation |
Ecosystem Participants
| Code | Title |
|---|---|
| AA-ECO-1 | Financial Information Providers (FIPs) |
| AA-ECO-2 | Financial Information Users (FIUs) |
| AA-ECO-3 | Interoperability |
Ecosystem operations
| Code | Title |
|---|---|
| AA-1.4 | FIP Onboarding Controls |
| AA-1.5 | FIU Onboarding and KYC |
Governance
| Code | Title |
|---|---|
| AA-1.1 | Account Aggregator NBFC Licensing |
Incident response
| Code | Title |
|---|---|
| AA-1.13 | Incident Reporting to RBI and CERT-In |
Industry standards
| Code | Title |
|---|---|
| AA-1.16 | Sahamati Self Regulatory Compliance |
Logging
| Code | Title |
|---|---|
| AA-1.11 | Consent Lifecycle Logging |
Privacy
| Code | Title |
|---|---|
| AA-1.8 | Purpose Limitation |
Registration and Licensing
| Code | Title |
|---|---|
| AA-REG-1 | NBFC-AA Registration |
| AA-REG-2 | Net Owned Funds Requirement |
| AA-REG-3 | Fit and Proper Criteria |
Resilience
| Code | Title |
|---|---|
| AA-1.18 | Business Continuity |
Security
| Code | Title |
|---|---|
| AA-1.12 | Information Security Policy |
Your Compliance Coverage
If you comply with India Account Aggregator Framework (RBI), you already cover:
ISO/IEC 29134:2023
7%
2 controls mapped
Compare →ISO/IEC 27014:2020
7%
2 controls mapped
Compare →ISO/IEC 38500:2024 - Governance of IT
7%
2 controls mapped
Compare →+ 539 more: ISO/IEC 27400:2022 (7%), ILO Nursing Personnel Convention C149 (1977) (7%)
See all 542 mapped frameworks ↓Maps to 542 other frameworks
Frequently Asked Questions
What is India Account Aggregator Framework (RBI)?
India Account Aggregator Framework (RBI) is a compliance framework from India (RBI) with 19 domains and 30 controls. The Reserve Bank of India (RBI) Account Aggregator (AA) framework enables consent-based sharing of financial data between Financial Information Providers (FIPs) and Financial Information Users (FIUs) through licensed Account Aggregators. Operationalised through the RBI Master Direction on NBFC-Account Aggregator (2016, updated 2021). Uses the Data Empowerment and Protection Architecture (DEPA) for consent management. Covers banking, insurance, securities, pension, and tax data. It is used by organisations to establish and maintain compliance with industry standards and regulatory requirements.
How many controls does India Account Aggregator Framework (RBI) have?
India Account Aggregator Framework (RBI) has 30 controls organised across 19 domains. The largest domains are Consent Architecture (3 controls), Data Protection and IT Framework (3 controls), Ecosystem Participants (3 controls). Each control defines specific requirements that organisations must implement to achieve compliance.
What frameworks does India Account Aggregator Framework (RBI) map to?
India Account Aggregator Framework (RBI) maps to 542 other compliance frameworks. The top mapping partners are ISO/IEC 29134:2023 (7% coverage), ISO/IEC 27014:2020 (7% coverage), ISO/IEC 38500:2024 - Governance of IT (7% coverage). Use our comparison tool to explore control-level mappings between frameworks.
How do I get started with India Account Aggregator Framework (RBI) compliance?
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