Account Aggregation - Perfios API

Overview

• The Account Aggregation API by perfios enables businesses to aggregate and analyze financial data.
• It offers accurate and timely financial statement/data analysis.
• The API is designed to support SME lending solutions in India.

Major Customers Using It

• Major Banks
• Insurance companies
• NBFC
• Mutual Fund houses

Features & Integrations

• Advanced financial data aggregation
• Comprehensive analytics
• RESTful service
• Integration with SME lending solutions

Use Cases

• The API is primarily used for account aggregation in the FinTech industry.
• It can be used to integrate financial data aggregation and analytics into business applications.
• It supports SME lending solutions in India.

Developer Support

• Developer support is available through the perfios website.
• Community forums and resources are available for developers to troubleshoot and get help with the API.
• You can signup on https://hub.perfios.com/login to get access of developer portal.

Advantages

• Accurate and timely financial statement/data analysis
• Advanced financial data aggregation and analytics
• RESTful service for easy integration
• Support for SME lending solutions in India
• Scalable and flexible for various use cases

Company Information

• Perfios is a company that provides advanced financial data aggregation and analytics tools.

Year Company Founded

• Perfios founded in 2008.

Social Profile Links

Linkedin: (Perfios Linkedin).

FAQs

• What is the Account Aggregation API by Perfios?
  It is a RESTful API service that helps businesses securely access, aggregate, and analyze users’ financial data for applications like credit underwriting, lending, and personal finance.

• How does the API support account aggregation?
  The API fetches financial data across bank accounts, credit accounts, mutual funds, and other sources, and normalizes it into usable insights for institutions.

• Who are the major users of this API?

  • Leading banks in India
  • NBFCs
  • Mutual Fund AMCs
  • Insurance companies
  • SME lending platforms

• What are the key features of the Perfios Account Aggregation API?

  • RESTful financial data aggregation
  • Real-time and accurate financial statement analysis
  • Seamless integration with account aggregator framework
  • Built-in analytics and scoring tools
  • Support for Indian AA ecosystem (NBFC-AA compliant)

• What are common use cases?

  • Automating underwriting and credit risk assessment
  • Enabling financial insights for investment advisory platforms
  • SME loan processing
  • Personal finance and wealth tech integrations

• Does Perfios provide developer support?
  Yes. Perfios offers:

  • Developer portal access via hub.perfios.com
  • Community resources and guides
  • Direct technical support via their contact channels

• What makes Perfios' solution unique for Account Aggregation?

  • Proven integration with AA ecosystem in India
  • Ability to generate derived insights, not just raw data
  • Flexible integration options (white-label, SDK, or direct API)
  • High scalability and proven performance in production use

• Is this API compliant with India's Account Aggregator (AA) framework?
  Yes. Perfios is a key contributor in India's AA ecosystem and supports FIU (Financial Information User) and FIP (Financial Information Provider) roles.

• Are there analytics capabilities built-in?
  Yes. The API goes beyond data fetch—it includes categorization, ratios, trends, scoring, and document-level insights to assist in financial decisions.

• What industries can benefit from this API?

  • Lending (Retail & SME)
  • Insurance
  • Personal Finance Apps
  • Wealth Management
  • Investment Platforms