Step 01
Step 1
Pick your AA from the bottom-sheet (Finvu, Onemoney, NADL, more).
Money & BankingRetail
RBI Account Aggregator.
Connect bank, credit card, and EPF accounts through India's RBI-licensed AA framework.
The problem
Why this exists.
Manually adding transactions is the wall most personal-finance apps die at. India already has a regulator-blessed answer — the Account Aggregator — and most retail users do not know it exists.
We want one-tap connect that uses an existing RBI-licensed AA rather than asking users to upload statement PDFs forever.
How it works · 3 steps
From input to outcome.
- Step 02
Step 2
Consent to the data flow on the AA's own screen — Mukodi never sees your bank password.
- Step 03
Step 3
Transactions, balances, and EPF entries land in the app the same evening.
Under the hood
The models and routes behind it.
Models called
API routes
- POST /api/v1/aa/consent
Compliance posture
- RBI-AA framework — the AA is the consent broker; Mukodi participates on the Financial Information User (FIU) side (the FIU-of-record arrangement is being finalised).
- DPDP §6 — consent is purpose-bound and time-bound; revoke from the AA app at any time.
- We never ask for or store bank-portal credentials.
What it's not
AA gives us read-only transaction data. It does not authorise Mukodi to move money or open new accounts on your behalf.
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