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Account Aggregator Lending Hits ₹3.82 Lakh Crore in FY26 Without Impacting Loan Quality
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CNBC TV18•15-10-2026, 20:26
Account Aggregator Lending Hits ₹3.82 Lakh Crore in FY26 Without Impacting Loan Quality
- •Lending driven by India's Account Aggregator framework reached ₹3.82 lakh crore across 3.68 crore loans in FY26 according to a CRIF-Sahamati report.
- •AA-enabled lenders demonstrated stronger portfolio growth, particularly in housing and property loans where growth was more than double that of non-AA lenders.
- •The ecosystem successfully onboarded more first-time borrowers, capturing higher shares in mid-ticket business loans and personal loans compared to non-AA lenders.
- •Asset quality remained robust, with AA-enabled loans showing lower 90-day-plus delinquency rates in key categories such as two-wheeler and personal loans.
- •Experts note that real-time financial data sharing is bridging information gaps and expanding formal credit access to underserved segments and Tier 3 markets.
Key Questions Answered
Account Aggregator-enabled lending reached ₹3.82 lakh crore across 3.68 crore loans in FY26 according to Sahamati.
AA-enabled lenders onboarded a significantly higher share of new-to-credit borrowers, reaching 28.5% in mid-ticket business loans compared to 8.6% for non-AA lenders.
AA-enabled loans demonstrated lower 90-day-plus delinquency rates in select categories, such as two-wheeler loans where the rate was 0.5% compared to 5.3% for non-AA lenders.
