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 (4)
Consent Architecture
| Code | Title |
|---|---|
| AA-CON-1 | Explicit Consent |
| AA-CON-2 | Consent Artefact |
| AA-CON-3 | Purpose Limitation |
Data Protection and IT Framework
| Code | Title |
|---|---|
| AA-IT-1 | IT-Driven Business |
| AA-IT-2 | Data Security Safeguards |
| AA-IT-3 | Data Transience |
Ecosystem Participants
| Code | Title |
|---|---|
| AA-ECO-1 | Financial Information Providers (FIPs) |
| AA-ECO-2 | Financial Information Users (FIUs) |
| AA-ECO-3 | Interoperability |
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 |
Maps to 515 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 4 domains and 12 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 12 controls organised across 4 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 515 other compliance frameworks. The top mapping partners are ISO/IEC 29134:2023 (17% coverage), ISO/IEC 27014:2020 (17% coverage), ISO/IEC 38500:2024 — Governance of IT (17% 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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