RBI-registered NBFC Account Aggregator. INK never asks for your bank passwords, PIN or CVV.
INK Account Aggregator
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RBI-registered NBFC Account Aggregator

Share your financial data. Only when you say so.

INK Account Aggregator lets you share financial information from your bank, investment and insurance accounts with regulated institutions, securely and only with your explicit consent.

For individualsSee how consent works For businesses & FIUsIntegrate INK

You can review, approve, decline or withdraw every consent. Get the Android app →

RBI-registered NBFC-AACertificate of Registration dated 07.06.2023
Listed by SahamatiAmong operating Account Aggregators in India
Consent-first by designNothing is shared without your approval
Encrypted data flowFinancial data moves securely from FIP to FIU
One platform, two journeys

Built for the people who own the data and the institutions that need it

For individuals

You stay in control of every share

Consent is at the centre of the Account Aggregator framework. Every request tells you what is being asked for, why, who receives it and for how long.

  • Review the requesting organisation, purpose, accounts and duration before you approve
  • Decline any request — nothing is shared through that consent
  • See your consent history and withdraw a consent when you no longer want it active
  • Get help through in-app support and a dedicated Grievance Redressal Officer
How consent works Get the app
For businesses & FIUs

Consented financial data through one integration

INK is the infrastructure layer that lets regulated institutions understand customers’ finances — without paperwork, without screen-scraping.

  • RESTful APIs and SDKs, with a sandbox from day one
  • Banks, depositories, RTAs and insurers through a single AA connection
  • Structured, standardised data delivered securely to your systems
  • Per-fetch pricing for every use case
Read the docs Talk to us
How it works

A four-step, fully consented data flow

From user authentication to structured financial data delivered to the institution you chose.

01

User authentication

The user is identified via their mobile number linked to financial accounts on the AA network.

02

Consent approval

A clear, plain-language consent request specifies purpose, duration and data types. The user approves or rejects.

03

Encrypted data fetch

INK retrieves data from the relevant Financial Information Providers (FIPs) using the user's signed consent artefact.

04

Data delivered to FIU

Structured, standardised financial data is delivered securely to the Financial Information User for analysis and decisions.

What you control

Every consent request is specific

When you review a request in the INK app, you can see the scope of the sharing before you decide.

Financial information

The categories or types of financial information requested for sharing.

Duration and frequency

The period for which the information is requested, and how often it may be fetched.

Purpose and recipient

Why the information is requested and the institution it will be shared with.

Learn more about consent

INK app consent request screen showing consent type, purpose, frequency, expiry and data range, with Accept and Reject buttons
INK Account Aggregator app icon
The INK app

Manage every consent from your phone

Link your accounts, review and approve requests, track your consent history and raise issues — in the language you prefer.

Get it on Google Play
Choose your language screen in the INK app
Use INK in the language you prefer
Consent request details screen in the INK app
See purpose, frequency, expiry and data access
Consents dashboard in the INK app
Review pending and active consents in one place
Consent history screen in the INK app
View your consent and account activity history
Raise and track issues screen in the INK app
Report issues and follow up on your requests
Login screen in the INK app
Sign in with your registered mobile number and PIN
Account and settings screen in the INK app
Manage your profile, PIN, language and settings
Why INK

Built for trust, designed for scale

Secured and compliant

Encryption, multi-factor authentication and RBI-mandated consent protocols at every step of the data-sharing journey.

Real-time data

Live financial data across banks, depositories, insurers and RTAs for faster lending and underwriting decisions.

Plug-and-play integration

RESTful APIs and SDKs let your team integrate the AA framework in days, with a sandbox from day one.

Multi-institution coverage

Banks, depositories, RTAs and insurance companies through a single connection to the AA network.

Transparent pricing

Pay per data fetch, with plans for every use case from basic verification to full wealth data.

User-controlled consent

Users choose which institutions access their data, for how long and for what purpose.

Use cases

Powering consented data across India’s financial sector

From digital lenders to wealth platforms, INK powers the financial data layer for regulated institutions.

Digital lending

Speed up loan underwriting with verified bank statements, salary accounts and credit history, from days to minutes.

Wealth management

Give advisors a complete, consented picture of portfolios: equities, mutual funds, fixed deposits, insurance and more.

Insurance underwriting

Assess financial stability and income patterns with consented access to transaction histories across accounts.

Auto-repayment monitoring

Trigger repayment workflows based on real-time account balance visibility to reduce defaults and improve collections.

Trusted by users

People use INK to share data with confidence

17K+App downloads
98%Positive ratings
#1AA app on Play Store

“The Account Aggregator app made loan applications so much easier. Sharing verified data securely saved me hours of paperwork. It's a must-have for anyone looking to simplify their financial life.”

RMRajesh M.Small business owner

“What I love most is the control it gives me over my data. I decide who gets access to my financial information and for how long. It's secure, transparent, and puts me in charge.”

ARAnanya R.Marketing professional
Insights

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UPI transformed India's payments in five years. What the Account Aggregator ecosystem can learn from that journey.

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Data Privacy

Data Privacy in the Age of Account Aggregators

How consent-based data sharing works, and why it matters for consumers and financial institutions.

Read article
FAQs

Questions people ask before they share

Simple answers about consent, Account Aggregators and how INK works.

Visit the Help Centre

What is an Account Aggregator?

An Account Aggregator is a framework participant that enables customers to share financial information with an FIU based on the customer's consent. The customer remains involved in deciding whether to approve a consent request.

What should I check before approving a consent request?

Review the requesting organisation, purpose, financial information and accounts requested, and the applicable duration or frequency shown in the consent request.

What happens if I decline a consent request?

If you decline a consent request, the requested financial information is not shared through that consent request.

Can I withdraw a consent I have already given?

Yes. You can follow the available consent management and withdrawal process for a consent you have previously provided. See the Consent Withdrawal Process page for the steps.

Contact

Talk to the INK team

Phone

+91 98679 02913
Mon–Fri, 10:00 AM – 7:00 PM

Office

15 D, Salim Building, 12th Lane, Khetwadi, Girgaon, Mumbai, Maharashtra 400004

Ready to power your platform with consented financial data?

Join the Account Aggregator network with INK. Start in the sandbox and go live with a developer-friendly API.

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