Sahamati

Congratulations to @MobiKwik, winner of the AA Customer Choice Award at the AA Ecosystem Excellence Awards 2026! 🏆 The award was presented at SamvAAd 2026 in Mumbai by Shri R Gandhi, Former Deputy Governor, @RBI and Chairman, Sahamati, and Shri @saravade , Independent Director, Sahamati.

Interoperability is coming to India’s Account Aggregator ecosystem, and we want every participant to be ready. Following the @RBI announcement on interoperability among NBFC-Account Aggregators and the publication of @ReserveBankIT API specifications, Sahamati has been walking the ecosystem through the approach, design, and components. After our October webinars, we opened live Q&A sessions so participants could bring their questions directly to the engineers behind the design. The next round takes place this week: Thursday, 12 November & Friday, 13 November 2026 3:00 – 5:00 PM IST Open to all FIUs, FIPs, AAs and TSPs. If your teams are working on interoperability, we encourage them to join. Register: forms.cloud.microsoft/r/2jQ4… Interoperability will let customers access and share their financial information through any Account Aggregator of their choice. Building it together is how we make it work. #AccountAggregator #Interoperability #OpenFinance #DigitalPublicInfrastructure #Sahamati

From Open Finance to Intelligent Finance, what's next for India's Account Aggregator ecosystem? At SamvAAd 2026, powered by Ignosis AI, Nirav Prajapati, Co-founder & CEO, @_Ignosis AI, shared his perspective on how AA is transforming credit access, enabling financial inclusion, and paving the way for more personalised financial services. He emphasised the need to measure AA's success beyond consents and data sharing, focusing on its real economic impact on MSMEs, borrowers, and the wider economy. 🎥 Missed the session? Watch the full address here: youtu.be/vkpzLZENe9A #SamvAAd2026xIgnosisAI #Sahamati #IgnosisAI #AccountAggregator #OpenFinance #FinancialInclusion

Your financial information can do more for you, without the paperwork! Loan ho, insurance ho ya investments, Account Aggregator (AA) helps you securely share your financial information digitally, only with your consent. Swipe ➡️ to see how AA makes it easier, while keeping you in control. 🎬 Watch Deepak – The Gig Worker's Story: youtu.be/OdcJ_LqDseA 🌐 Discover AA Se Aasaan Hai: aaseaasaanhai.org/ Follow @aaseaasaanhai for more such interesting insights on Open Finance in India #AASeAasaanHai #AccountAggregator #Sahamati #DigitalIndia

🚀 Celebrating Innovation in Open Finance at SamvAAd 2026! From 100+ entries to 48 shortlisted teams, the Financial Services Innovation Challenge 2026 brought forward promising solutions shaping the future of financial services. 🏆 6 Winners | 4 Special Appreciation Awards | 3 Innovation Themes At SamvAAd 2026, powered by @_Ignosis AI, we recognised innovators developing solutions to expand financial access, strengthen financial infrastructure, and unlock new possibilities through data. Congratulations to all the winners, and a special thank you to @IIMAVentures, our Innovation Challenge Partner, the jury, and all participating teams for making this initiative a success. 🔗 Discover the winning solutions and highlights from the Innovation Challenge: sahamati.org.in/samvaad2026-… 🔗Watch the video if you missed it: youtu.be/gV8wTIc1hag #SamvAAd2026xIgnosisAI #InnovationChallenge #OpenFinance #AccountAggregator #Sahamati

🪔✨ Wishing everyone a Happy Diwali! May this festival of lights bring new beginnings, brighter opportunities, and a future filled with happiness, prosperity, and togetherness. Warm wishes from Team Sahamati! ✨ #HappyDiwali #Diwali2026 #Sahamati

From 8 to 11 to 30. One team, one shared vision, and a commitment that keeps growing. SamvAAd 2023 began with a team of just 8 at Sahamati. By SamvAAd 2024, we had grown to 11. And at SamvAAd 2026, 30 of us came together to bring India's Open Finance Summit to life. The team has grown, the scale has evolved, and so have the energy, passion, and commitment behind every edition. Beyond the sessions, conversations, and milestones, SamvAAd 2026 was also a celebration of the people working together to advance India's Account Aggregator ecosystem. Here's to the team behind the scenes, the journey we've shared, and the many milestones ahead! Onwards to an even bigger, bolder SamvAAd next year! @bgmahesh | @KiranGopinath | @GoenkaGuptaShal | @RutvikPaikine #SamvAAd2026 #TeamSahamati #AccountAggregator #OpenFinance

From consented data sharing to measurable impact on credit growth and financial inclusion. We are pleased to share “Consent to Credit – The Digital Way”, the first report jointly authored by Sahamati and @CRIF_India, capturing the impact of the Account Aggregator (AA) Framework on India's lending ecosystem. Launched at SamvAAd 2026, the report goes beyond adoption numbers to examine how AA is transforming credit underwriting, expanding access and improving lending outcomes. Some key findings from the report: - ₹3.82 lakh crore in AA-enabled lending across 3.68 crore loans in FY26. - Higher share of New-to-Credit borrowers in AA lender cohorts – 28.5% vs. 8.6% in mid-ticket business loans. - Higher average loan ticket sizes across personal and auto loans. - Lower PAR 90+ across several AA-enabled lending segments, indicating better portfolio quality. - 2.1% increase in night-time light intensity in PIN codes with higher AA-induced credit exposure, indicating increased economic activity, based on CAFRAL research. The report also features case studies from five lenders, showcasing how AA is helping extend formal credit to underserved borrowers, particularly in Tier 2 and Tier 3 markets, while enabling better underwriting and collections. The larger message is clear: AA is evolving beyond data sharing to become a meaningful enabler of credit growth, financial inclusion and economic development. Read the report: sahamati.org.in/wp-content/u… Read the blog: sahamati.org.in/samvaad2026-… Watch the recording: youtu.be/bzFdenOETTc #AccountAggregator #OpenFinance #FinancialInclusion #DigitalLending #Sahamati #CRIF

🏆 Recognising excellence in India's Account Aggregator ecosystem! At SamvAAd 2026, powered by @_Ignosis, 14 organisations received 16 recognitions across 11 award categories for driving AA adoption and impact. Congratulations to all the winners! 🔗Meet the winners: sahamati.org.in/samvaad2026-… @SBILife | @HDFC_Bank | @AxisBank | @AxisMaxLifeIns | @KotakBankLtd | @Bajaj_Finance | @HHF_Housing | @tatacapital | @earlysalar53892 | @HeroHFL | @MobiKwik | @saafe_in | @CdslIndia

“A core goal of public policy should be to facilitate the development of institutions that bring out the best in humans.” — Elinor Ostrom What does it take to create institutions that enable diverse participants to work together towards something none could build alone? India's Account Aggregator ecosystem offers a compelling example of a shared institutional commons: shaped through participation, trust, and common rules, with institutions that enable diverse participants to work towards a shared purpose. Stewarding Open Finance: Participatory Foundations of the AA Ecosystem, Sahamati's Annual Report, was released at SamvAAd 2026. A reflection on how this commons has taken shape, the role of stewardship in sustaining it, and what it will take to take it further. Read the report: sahamati.org.in/wp-content/u… #Stewarding #OpenFinance #ParticipatoryFoundations #Sahamati #SamvAAd2026 @bgmahesh | @GoenkaGuptaShal | @RutvikPaikine

Thank you, @unifiedfintech (UFF), for powering SamvAAd 2026 as our SRO Partner! Your association brought valuable perspectives on fintech innovation, ecosystem collaboration, and strengthening trust in digital financial services. We value your support in shaping a more connected and responsible financial ecosystem. #Sahamati #UFF #Fintech #OpenFinance #AccountAggregator

Thank you, Finance Industry Development Council (@FidcIndia), for powering SamvAAd 2026 as our SRO Partner! Your participation strengthened the dialogue on the evolving role of NBFCs, responsible lending, and the opportunities emerging from India's open finance ecosystem. We appreciate your partnership in advancing industry collaboration and innovation. #Sahamati #FIDC #OpenFinance #AccountAggregator

Thank you, SaDhan (@Sadhan1999), for powering SamvAAd 2026 as our SRO Partner! Your association reinforced the importance of financial inclusion, responsible finance, and extending the benefits of digital financial services to underserved communities. We value your partnership in building a more accessible and inclusive financial ecosystem. #Sahamati #SaDhan #FinancialInclusion

Thank you, National Urban Co-operative Finance and Development Corporation (@nucfdc), for powering SamvAAd 2026 as our SRO Partner! Your association brought valuable perspectives on strengthening the cooperative banking ecosystem and expanding access to digital financial services. We appreciate your support in fostering greater collaboration and financial inclusion. #Sahamati #NUCFDC #FinancialInclusion