Reserve Bank of India ne sabhi account aggregators ko **December 31, 2026** tak full interoperability enable karne ka order diya hai. Ab customers ek hi platform se apna poora financial data track kar sakenge, saath hi naye fee structure se companies ki profitability badhne ke chances hain.
RBI ka Masterstroke: Financial Data ka game badalne wala hai
Reserve Bank of India ne financial data-sharing system mein ek bada badlav announce kiya hai. Abhi tak kya hota hai ki aapko alag-alag financial institutions ke liye alag-alag platforms par sign-up karna padta hai, jo kaafi irritating hota hai. Lekin ab regulator ne saaf kar diya hai ki December 31, 2026 tak sabhi NBFC-account aggregators ko interoperable hona padega. Iska matlab hai ki aap ek hi platform se apni saari financial details manage kar sakenge, bilkul jaise UPI kaam karta hai.
Profitability par focus aur Nayi Fee Structure
Sabse bada sawaal ye tha ki ye aggregators paisa kaise kamaenge? RBI ne ab ek structured fee framework par kaam shuru kiya hai. Jab bhi data successfully fetch hoga, tab fees apply hongi. Isme Digital Public Infrastructure (DPI) utility fee, provider fee, aur management charges divide kiye jaenge. Ye move isliye zaruri hai kyunki abhi tak aggregators ke liye integration cost high thi aur revenue kam.
Investors ke liye kya hai insight?
India mein filhal 17 licensed account aggregators kaam kar rahe hain, jismein CAMSfinserv jaise players bhi hain. Regulatory push toh positive hai, par asli challenge 2026 ke deadline tak technical overhaul ko khatam karna hai. Agar system integration mein deri hui toh ecosystem ki growth ruk sakti hai. Investors ko ab ye track karna hoga ki kya ye naya fee model in companies ko profitable bana paata hai ya nahi, kyunki data privacy aur security ab bhi regulator ke liye top priority bani rahegi.