Account Aggregator Ecosystem facilitates monthly loan disbursements of ₹24,000 crore in H1FY26

According to Sahamati’s recently released Credit Reimagined H1 FY26: AA Impact Report, AA-facilitated lending in India has reached meaningful scale. The report finds that in H1 FY26 (April–September 2025), the framework has facilitated an estimated ₹1.47 lakh crore loan disbursal across 1.5 crore loans.

The framework is facilitating ₹24,000 crore monthly disbursements, a sharp increase from around ₹14,000 crore (monthly) reported for the H2 FY25 period. This translates to approximately 7.7% of lending by value and 10.8% of lending by volume, across total retail and MSME loans during the six-month period. The report observes that AA has penetrated across products and customer segments, with significant pick up in unsecured and digitally oriented loans. Interestingly, findings suggest that an estimated one in ten personal loans are facilitated by the AA ecosystem.

The recently launched Economic Survey by the Ministry of ...