FAQ: Frequently Asked Questions

If you have any query which is not covered by the below questions, kindly drop us a mail at helpdesk@nadl.co.in or call the Help Desk numbers given in the ‘Contact Us’ section of the website.


  • What is NADL? Tell me about NADL

    • NADL is the short form of NESL Asset Data Limited.
    • NADL has been issued a Certificate of Registration by the RBI to function as an Account Aggregator, on 13th August, 2020 and we call ourselves ‘NADL AA’.
    • The functioning of NADL AA is regulated by the Reserve Bank of India (RBI)
    • NADL is a wholly owned subsidiary of National E-Governance Services Limited (NeSL). NeSL has been promoted by large banks and financial institutions. You can know more about NeSL from their website: www.nesl.co.in
    • NADL has an eminent Board and competent management and key corporate governance policies and practices in place.
    • You can know more about NADL from our website: www.nadl.co.in


Account Aggregation

  • What is Account Aggregation? How does it work?
    • Account Aggregation is the process of collecting your financial asset information (balances/transactions/statements) which is called ‘Financial Information’ from the financial institutions such as banks and insurance companies, etc., and presenting to you in an aggregated manner, based on your consent given to the institutions where the accounts are held.  This information can also be shared by you with other institutions for various purposes such as availing a loan, wealth management, etc.

Financial Information

  • What type of financial information can I aggregate from NADL AA?

    • Financial Information can be from any of the following, as defined by Reserve Bank of India (RBI) in its Master Directions issued in September, 2016:

      • Bank deposits including fixed deposit accounts, savings deposit accounts, recurring deposit accounts and current deposit accounts,
      • Deposits with NBFCs
      • Structured Investment Product (SIP)
      • Commercial Paper (CP)
      • Certificates of Deposit (CD)
      • Government Securities (Tradable)
      • Equity Shares
      • Bonds
      • Debentures
      • Mutual Fund Units
      • Exchange Traded Funds
      • Indian Depository Receipts
      • CIS (Collective Investment Schemes) units
      • Alternate Investment Funds (AIF) units
      • Insurance Policies
      • Balances under the National Pension System (NPS)
      • Units of Infrastructure Investment Trusts 
      • Units of Real Estate Investment Trusts
      • Credit Cards
      • Any other information as may be specified by RBI for the purposes of these directions, from time to time



Security of NADL AA Account

  • How secure is my information with NADL AA?

    • NADL AA does not store financial information. All financial information sourced at the consent of the customer flows between the Financial Information Provider (FIP) and the Customer or the Financial Information User (FIU) authorized by the customer, in an end-to-end encrypted flow.
    • NADL AA has adopted privacy policy aimed at protecting Information, including the individual’s / user’s sensitive personal data or information as disclosed and/or submitted to NADL AA.