Loan ke liye apply karte samay sabse jhanjhat wala kaam hota hai bank statements jutana — net-banking se PDF nikaalna, password hatana, upload karna. Account Aggregator (AA) yeh kaam aasaan aur safe banata hai.
Account Aggregator kya hai
Account Aggregator RBI se licence praapt ek khaas tarah ki sanstha (NBFC-AA) hai. Iska kaam hai aapki consent se aapki financial jaankari — jaise bank statements — ek sanstha se doosri sanstha tak safe tareeke se pahunchana.
- Jo sanstha data deti hai (jaise aapka bank) use FIP kehte hain.
- Jo sanstha data leti hai (jaise lender) use FIU kehte hain.
- AA beech mein sirf daakiye ka kaam karta hai — data encrypted rehta hai, AA use padh ya rakh nahi sakta.
Yeh kaise kaam karta hai
- Lender ya platform aapko consent request bhejta hai.
- Aap AA app ya link par dekhte hain ki kaun-sa data, kis kaam ke liye, kitne time ka maanga gaya hai.
- Aap account chunte hain aur OTP se approval dete hain.
- Aapka bank data encrypt karke AA ke zariye lender ko bhejta hai.
- Aap chahein to baad mein consent wapas (revoke) le sakte hain.
Kya yeh safe hai
- Bina aapki approval ke kuch nahi jaata.
- Aapko koi password ya net-banking login kisi ko nahi dena padta.
- Consent mein saaf likha hota hai ki data kis kaam ke liye aur kitne time tak use hoga.
- Data seedha aapke bank se aata hai, isliye edit kiye gaye nakli statements ka sawal nahi.
Loan mein fayda
- Tezi — PDF dhoondhne aur upload karne ki zaroorat nahi.
- Bharosa — lender ko bank se seedha data milta hai, isliye jaanch aasaan.
- Kam kagaz — aapki asli income aur kharcha bank data se dikhta hai.
Oxon Fintech par loan application mein bank statements isi tarah, aapki consent se, Account Aggregator ke zariye liye jaate hain aur sirf aapki loan eligibility check karne ke liye use hote hain.
Dhyaan rakhein
- Consent dene se pehle padhein ki kya aur kitne time ka data maanga gaya hai.
- Consent ka OTP sirf AA ki screen par khud daalein — kisi call karne wale ko na batayein.
- Agar aapne apply nahi kiya aur consent request aaye, to use approve na karein.
Aage padhein: personal loan documents aur loan fraud se kaise bachein.
Yeh guide general jaankari hai, financial advice nahi. Interest rate, fees, eligibility aur doosri shartein har lender tay karta hai aur badal sakti hain; examples ke numbers sirf samjhane ke liye hain. Oxon Fintech loan dilaane wala platform hai, lender nahi — loan hamare lending partners sanction aur disburse karte hain.