FinAGG/ Products/ AA with GSTN

● 04 · DATA · v 2.4 · GA

One consent.
Two data spines.

A unified consent + fetch layer that pulls Account Aggregator bank statements and GSTN returns under a single borrower flow — then reconciles them into a working-capital view ready for your underwriting model.

Get API access → See the consent flow

● GA build 2.4.1

AAs supportedSahamati · 8 live

FIPs132 banks · 24 NBFCs

GSTN endpointsGSTR-1 · 3B · 2A · 9

Reconciliationauto · 3.2s avg

Consent renewal1y · revocable

● THE FLOW

§ 01

Borrower-side, three taps.

A single consent screen replaces what used to be two consent flows, two re-keying of PAN/GSTIN and an awkward broker handoff.

borrower.finagg.ai/consent● secure

● HDFC BANK · WORKING CAPITAL

Approve a one-time data pull for your loan

We need to read your bank statements and GST returns. Pick the accounts and tap Approve. We won't keep your credentials.

✓

Bank accounts · via Finvu AA

11 accounts found · 24 months

✓

GSTR-1 + GSTR-3B · via GSTN

28FXXPS9712E1ZW · last 24 months

○

ITR · via Tax Dept (optional)

APPROVE · OTP TO 98••• ·1234 Cancel

● SERVER-SIDE

What we hand back.

A single reconciled object — not two payloads to stitch together. AA debits matched to GSTR-1 invoices, balance reconstruction, working-capital cycle, vendor concentration.

consent · ACT-7F2C-9B

{

consent_id: "ACT-7F2C-9B",

banks: 11 · months: 24,

gst: { 3b: 24/24, "1": 24/24 },

reconciled: {

turnover_aa: ₹17.9Cr,

turnover_gst: ₹18.1Cr,

variance: 1.1%,

wc_cycle_days: 47,

top_5_buyer_share: 38%,

dscr_24m_avg: 1.82

}

// 01

Single consent, two channels.

One borrower-facing screen. AA and GSTN consents executed in parallel, reconciled before handoff.

// 02

132 FIPs, 8 AAs.

All Sahamati-live aggregators supported. Automatic fail-over if a FIP is degraded.

// 03

Auto-reconciliation.

AA debits matched to GSTR-1 invoices. Variance computed. Anomalies surfaced — circular trading, round-tripping, ghost vendors.

// 04

Refresh-on-event.

Consent valid up to 1 year. Pull on any cadence — origination, mid-tenor review, default trigger.

One consent. Two data spines.