RBI ne deadline set kar di hai! Ab **31 December 2026** tak saare bank deposits ko Consolidated Account Statements (CAS) mein jodna hoga, taaki aapko apni total wealth ek jagah dikh sake.
Ab portfolio tracking hogi super easy
Ab tak hum stocks aur mutual funds ke liye demat account dekhte thay aur savings ya FD ke liye bank apps. RBI ne ab game badal diya hai! 31 December 2026 tak, saare financial institutions ko bank deposits ka data Consolidated Account Statement (CAS) mein include karna hoga. Isse aapka pura financial dashboard ek jagah ready ho jayega.
Account Aggregator (AA) ka role
Ye sab kaam 'Account Aggregator' framework ke through hoga. Isme aapki consent se data share hoga aur naye rules ke hisaab se alag-alag AAs ke beech interoperability honi chahiye. Iska matlab hai ki aap kisi bhi aggregator ke through apna data dekh payenge, aap kisi ek platform se locked nahi rahenge. Isse banking aur depository systems ke beech data flow bahut smooth ho jayega.
Challenges aur Security
Security sabse badi priority hai. Banks aur depositories ko saal ke khatam hone tak ye technical integration poora karna hai. Filhal abhi ye clear hona baki hai ki kaunse type ke deposits (savings, recurring ya fixed) isme cover honge. Regulator ki taraf se detailed guidelines ka wait hai, jisme data encryption aur consent management ke rules aur bhi pakke honge. Investor ke taur par, aapko bas thoda intezar karna hai ki kaise ye tech systems backend mein bridge kiye jate hain.