What’s actually slowing this PC down?
Pick the symptom - the matching free tool is one click away.
iTechGuides is reader-supported. When you buy through links on our site, we may earn an affiliate commission. As an Amazon Associate I earn from qualifying purchases. Learn more
In India’s RBI-regulated Account Aggregator (AA) framework, approving a consent lets a named financial information provider send specified financial data through the AA to a named financial information user for the stated purpose and within the limits shown in the consent. The AA manages the permission and transfer; it is not a payment instruction, a loan approval, or blanket access to all your financial information.
What happens after you approve an AA consent?
- A service requests information. A lender or another financial information user (FIU) requests data through an AA. The bank or other participating institution that holds the information is the financial information provider (FIP). For example, a lender may request bank transaction information to assess an application.
- You review the consent details. The consent artefact identifies the customer, requested information, purpose, recipient, notification destination, and creation and expiry details. Review the actual consent shown in your AA interface rather than assuming every request works the same way. RBI NBFC-AA Directions
- You approve or refuse. AA registration is voluntary, and you can reject a request. If you approve, the permission applies to the accounts, information, purpose, recipient, and access terms stated in the consent; it does not grant unrestricted access for other purposes. Government of India consumer explainer, 10 September 2021
- The FIP validates and sends the data. The institution holding the data checks the consent’s validity and usage terms, then digitally signs and securely transmits the information according to those terms. RBI NBFC-AA Directions
- The AA mediates delivery to the FIU. The government describes the data as encrypted by the sender so that the recipient, not the AA, can decrypt it. The AA’s role is to manage consent and transfer information, rather than to build a readable profile of your financial data. Government of India consumer explainer
- You can later review or revoke permission. AA apps can show given and revoked consents and request logs, while RBI directions require a revocation mechanism, including for parts of the information. The precise screens vary by AA. Sahamati FAQ
What to check before approving
- Accounts and data categories: Check which accounts and kinds of financial information the request covers.
- Purpose: Confirm what service or decision the FIU says it needs the information for.
- Recipient: Identify the named FIU that will receive the data; do not focus only on the AA brand.
- Access pattern and timing: Check whether access is one-time or recurring, and read the validity, duration, and frequency stated in the consent. The recipient-access period is shown when consent is requested. Government of India consumer explainer
- Revocation controls: Locate the consent-management area and check how to revoke all or part of the permission. The exact workflow depends on the AA. Sahamati FAQ
Can an Account Aggregator see your bank data?
The framework treats an AA as a regulated consent manager and transfer intermediary. RBI directions say an AA must not store financial information it accesses or obtain source-institution credentials such as passwords, PINs, or private keys. The government’s description says the sender encrypts the information for the recipient to decrypt. These are framework controls, not a guarantee that every system is risk-free or that the receiving institution never retains data. RBI NBFC-AA Directions · Government of India consumer explainer
The government explainer says, “Account Aggregators cannot see the data; they merely take it from one financial institution to another based on an individual’s direction and consent.” That is the explainer’s wording; the practical point is that the AA is not intended to be a general-purpose store of readable financial data. Government of India consumer explainer
Recommended Free Tools
What does revoking consent do?
You may refuse a pending request or revoke an active consent. For recurring access, revocation ends further access under that permission. It does not establish a universal deletion command for information the FIU has already received: the cited framework sources do not specify one retention or deletion period for every recipient. Check the FIU’s privacy notice and applicable terms for data already delivered. Sahamati FAQ · RBI NBFC-AA Directions
#1 Best Overall
- POWERFUL SECURITY KEY: The Security Key C NFC is the essential physical passkey for protecting your digital life from phishing attacks. It ensures only you can access your accounts.
- WORKS WITH 1000+ ACCOUNTS: Compatible with Google, Microsoft, and Apple. A single Security Key C NFC secures 100 of your favorite accounts, including email, password managers, and more.
- FAST & CONVENIENT LOGIN: Plug in your Security Key C NFC via USB-C and tap it, or tap it against your phone (NFC) to authenticate. No batteries, no internet connection, and no extra fees required.
- TRUSTED PASSKEY TECHNOLOGY: Uses the latest passkey standards (FIDO2/WebAuthn & FIDO U2F) but does not support One-Time Passwords. For complex needs, check out the YubiKey 5 Series.
- BUILT TO LAST: Made from tough, waterproof, and crush-resistant materials. Manufactured in Sweden and programmed in the USA with the highest security standards.
Revoking consent can also have service-specific consequences. Sahamati notes that if a borrower revokes during a loan cycle, the lender and borrower may need to work out a remedy offline; the practical effect on an application or account depends on the service. Sahamati FAQ
Which financial information can be shared?
Availability depends on participating institutions and what the particular request supports. The Government of India’s 2021 explainer described bank transaction information, including savings, deposit, and current account statements, as available through participating institutions at that time. It described tax, pension, securities, and insurance data as areas for expansion, so that launch-era description is not a current availability list. Sahamati gives banks, NBFCs, mutual-fund depositories, insurance repositories, and pension repositories as examples of FIPs. Government of India consumer explainer · Sahamati FAQ
Rank #2
- 1.34-key Enhanced Layout: For the needs of large data input workers, 17 keys are added on the basis of the standard numeric keypad 17 numeric keypad. The addition of 17 keys basically includes commonly used digital processing keys. Thereby reducing the movement of the human hand between the main key board and the numeric keypad of the computer.
- 2. Number Pad Keyboard helps to perform numerical work. This Keyboard number pad can easily attach with laptop and computer. This Mechanical number pad is very easy to use .
- 3.This slim mechanical keyboard has a powerful system identification chip, which can automatically adjust some key functions of the keypad to match the operating system of the connected computer.
- 4.Ultra-thin and minimalist design, easy to carry, stylish and beautiful. The characters are clear and not easy to wear out. USB excuse, plug and play. This short keyboard can also be used as a mechanical numpad and looks cool keyboard.
- 5. 34 keys keyboard mechanical is suitable for laptop users, banking, financial securities, business workers or Used with 87 keyboards, 82 keyboards, 68 keyboards, 61 keyboards and other keyboards without numeric section.
How large is India’s AA ecosystem?
The Department of Financial Services, Ministry of Finance, reported as of 31 March 2026 that 179 FIPs and 989 FIUs were live, more than 2.88 billion financial accounts were enabled to share data, and users had linked 284.6 million accounts. These are ecosystem adoption figures, not counts of people who approved a particular consent and not indicators of whether a lender will approve an application. Department of Financial Services, Account Aggregator
Quick Recap
Best Value
- HARDWARE 2FA AND MFA: FIDO Alliance Certified FIDO2 v2.1 with CTAP2 plus legacy U2F and CTAP1 for strong two-factor login and passwordless sign-in on services that support security keys
- BUILDING ACCESS ON ONE CARD: MIFARE DESFire EV2 4K applet with AES encryption adds office door and physical access control alongside digital authentication
- CERTIFIED SECURE ELEMENT: An NXP Common Criteria EAL6+ certified secure controller and Java Card platform protects your keys on a tamper-resistant chip
- DUAL INTERFACE SMART CARD: Contactless NFC ISO 14443 plus ISO 7816 contact reader support in an ISO 7810 ID-1 format that is passive and needs no battery
- SWISS ENGINEERED DESIGN: Built by Cryptnox as a single card for authentication and access control and backed by a 2 year warranty
Rank #4
- FIDO-ONLY FUNCTIONALITY: Supports FIDO2 (passkeys) and FIDO U2F protocols for passwordless and second-factor authentication. Does not support OTP, TOTP, Smart Card (PIV), or other advanced features - upgrade to YubiKey 5 Series for extended functionality
- SECURE AND CONVENIENT: Passwordless MFA login with the YubiKey Bio authenticator and biometric information using a fingerprint, with a PIN as a fallback. Simply plug in via USB and use your fingerprint to authenticate
- DEVICE & OS COMPATIBILITY: Compatible with Windows, macOS, ChromeOS, and Linux. Works seamlessly with supported services like Google and Microsoft accounts, and major password managers. See the full compatibility list at "Works With YubiKey"
- DURABLE & RELIABLE: Resistant to tampering, water, and crushing. No batteries or network connectivity required, offering dependable authentication without any downtime. Securely manufactured in USA & Sweden
- Yubico Authenticator App - Fingerprint enrollment, passkey management and PIN configuration available via the app app - Upgrade to YubiKey 5 Series to generate one-time-passwords (OTP) via Yubico Authenticator and for advanced compatibility (OATH, PIV)
Rank #3
- 1.34-key Enhanced Layout: For the needs of large data input workers, 17 keys are added on the basis of the standard numeric keypad 17 numeric keypad. The addition of 17 keys basically includes commonly used digital processing keys. Thereby reducing the movement of the human hand between the main key board and the numeric keypad of the computer.
- 2. Number Pad Keyboard helps to perform numerical work. This Keyboard number pad can easily attach with laptop and computer. This Mechanical number pad is very easy to use .
- 3.This slim mechanical keyboard has a powerful system identification chip, which can automatically adjust some key functions of the keypad to match the operating system of the connected computer.
- 4.Ultra-thin and minimalist design, easy to carry, stylish and beautiful. The characters are clear and not easy to wear out. USB excuse, plug and play. This short keyboard can also be used as a mechanical numpad and looks cool keyboard.
- 5. 34 keys keyboard mechanical is suitable for laptop users, banking, financial securities, business workers or Used with 87 keyboards, 82 keyboards, 68 keyboards, 61 keyboards and other keyboards without numeric section.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
