Smarter Lending,
Powered by Your Consent
IndoStar Capital's Account Aggregator service lets you share your financial data securely and instantly — faster approvals, less paperwork, complete control.
Understanding Account Aggregator
What is an Account Aggregator?
A new RBI-regulated financial data framework that puts you in charge of your own financial information.
An Account Aggregator is an RBI-regulated entity that acts as a secure data intermediary — enabling the encrypted sharing of financial data between institutions, only with your explicit consent. It never stores, reads, or processes your data.
Why It Matters for You
A framework built on transparency & trust
The AA framework was introduced by the RBI to modernise how financial data flows between institutions — replacing cumbersome paper documents with secure, instant, digital consent.
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No more submitting physical bank statements or salary slips for loan applications.
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Your data moves only when you grant permission - never without your explicit approval.
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You can see every consent you've given, and revoke any of them at any time.
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IndoStar uses AA purely to assess your loan eligibility - faster and more accurately.
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All data is end-to-end encrypted. IndoStar never receives raw, unencrypted data directly.
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Fully governed by RBI's NBFC-AA Master Directions for your protection.
Step-by-Step
How it Works
From application to approval — here's your AA journey with IndoStar.
Begin your loan application with IndoStar Capital — for a Vehicle Loan, Loan Against Property, or Housing Finance.
IndoStar sends a consent request via the AA platform to your linked financial accounts. You receive a notification on your mobile.
Review the exact data being requested, select the accounts you wish to share from, and approve. Your data is shared securely and instantly.
IndoStar processes your application using the shared data — resulting in quicker assessments, minimal documentation, and faster loan disbursal.
Borrower Benefits
What's in it for you?
Account Aggregator makes your borrowing experience with IndoStar faster, safer, and far simpler.
Say goodbye to back-and-forth paperwork. With AA, your financial data reaches us instantly, dramatically cutting down approval timelines.
No more collecting and submitting physical bank statements, ITR copies, or salary slips. Everything flows digitally at the click of a button.
Your data is encrypted end-to-end and transmitted over RBI-approved secure infrastructure. IndoStar never stores raw financial data through AA.
A holistic view of your financial profile enables IndoStar to make more accurate credit decisions — potentially unlocking better loan terms for you.
You can see exactly which data was shared, with whom, and when. Every consent is logged, visible, and auditable by you at all times.
Not comfortable with a consent? Withdraw it instantly at any time through the AA app or platform. No questions asked, no delays.
Data Scope
What Financial Data Can Be Shared?
Only data you explicitly approve is ever shared. Here are the categories available under the AA framework.
- Savings account statements
- Current account data
- Fixed & recurring deposits
- Overdraft account details
- Income Tax Returns (ITR)
- 26AS Tax Credit Statement
- GST return summaries
- Mutual fund holdings & NAV
- Equity / demat holdings
- Bonds and securities
- Life insurance policies
- General insurance details
- Policy premium status
- NPS account summary
- EPF / EPFO balance
- PPF account details
- Existing loan summaries
- EMI repayment track record
- Credit utilisation data
IndoStar only requests the specific data categories required for processing your loan application. You retain the right to approve or decline each category individually.
Your Rights & Control
You Are Always in Control
The AA framework is built on the principle of informed, active consent. Here's what that means for you as a borrower.
Right to Be Informed
You will always receive a clear notification before any data is shared. You'll know exactly what data is being requested, by whom, and for what purpose.
Right to Approve or Decline
No data is ever shared without your active, explicit approval. You can review and selectively approve which data categories and accounts to include.
Right to Revoke Consent
Change your mind? You can revoke any consent at any point in time via the AA platform — even after the data has been shared — stopping further access instantly.
Right to Audit Your Consents
Maintain a full log of every consent you've given — who accessed what data, when, and for how long. Full accountability, always.
Giving Consent in 4 Simple Steps
When IndoStar initiates an account aggregator request, here's what your experience looks like.
IndoStar Products
Explore Our Loan Products
Leverage the power of Account Aggregator for a faster, simpler loan experience across our product range.
Knowledge Centre
Frequently Asked Questions
Got questions about Account Aggregator? We have answers.
Yes. The Account Aggregator framework mandates end-to-end encryption for all data in transit. The AA entity never stores, reads, or processes your data — it simply acts as a secure encrypted channel between your bank (FIP) and IndoStar (FIU). The entire framework is regulated and supervised by the Reserve Bank of India.
Absolutely. You have the right to revoke any consent you've granted at any point — even after data has been shared. Once revoked, IndoStar will no longer have access to your financial data through that consent. You can manage all consents through the Account Aggregator app used for the transaction.
IndoStar is integrated with leading RBI-licensed Account Aggregator platforms operating in India. When you initiate the AA consent flow during your loan application, you will be guided through the specific platform. We continue to expand our AA integrations to improve accessibility for all borrowers.
IndoStar receives the shared financial data solely for the purpose of processing your loan application. The data is handled as per RBI's data privacy guidelines and IndoStar's own data protection policy. We do not use your AA-shared data for any purpose beyond what is stated in the consent request you approve.
No. Account Aggregator is an optional, faster alternative to submitting physical documents. If you prefer not to use AA, you can continue to provide financial documents through the traditional route. However, using AA significantly speeds up your application and reduces the paperwork involved.
Setting up an Account Aggregator account is quick and straightforward. During your loan application, IndoStar's team will assist you with the registration process on the relevant AA platform. You will need to link your existing bank accounts to the AA to enable consent-based data sharing.
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