RBI's CAS Upgrade: See All Your Money in 1 Place?

RBI is expanding the Consolidated Account Statement to include bank deposits alongside mutual funds, shares, and bonds. By December 31, 2026, you'll be able to see your FDs, savings accounts, and investments all in one unified view using Account Aggregators.

Here's what happened: RBI is expanding the Consolidated Account Statement to cover bank deposits — including FDs and savings accounts — alongside existing investments like mutual funds, shares, and bonds.. Account Aggregators, which are RBI-regulated data-sharing entities, will act as the technical bridge pulling deposit data from banks into the unified CAS framework.. The expanded CAS is expected to be fully operational by December 31, 2026, giving Indian households one consolidated financial snapshot across savings and investments..

What you should do: Check if your bank is already linked to an Account Aggregator (like Finvu, OneMoney, or CAMSfinserv) — most major banks are registered, but you must give consent to activate data sharing.. List all your FDs across different banks right now so you have a baseline — once CAS expands, you can cross-verify nothing is missing or forgotten.. Avoid sharing your CAS or Account Aggregator login credentials with anyone, including loan agents — AAs work on consent tokens, not passwords, so any request for your login is a red flag..

Account Aggregator consent is reversible anytime — if you grant access to a lender for a loan application, you can revoke it the moment your loan is approved. Most borrowers don't know this.

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