Finvu
Finvu is an RBI-licensed NBFC Account Aggregator that provides consent-based financial data-sharing infrastructure between Indian banks, NBFCs, fintechs, and other BFSI clients and individual consumers via APIs and a consumer app. It serves 150+ BFSI clients including HDFC Bank and Axis Bank.
- Company typePrivate
- Founded2020
- HeadquartersPune, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Finvu does
Finvu, operated by Cookiejar Technologies Pvt Ltd, is an RBI-licensed NBFC Account Aggregator (NBFC-AA) headquartered in Pune, India. It was the first Indian NBFC to receive an RBI operating license for account aggregation services, granted in March 2020. The company provides a consent-based financial data-sharing platform that enables the secure, real-time exchange of customer financial information between Financial Information Providers (FIPs) such as banks, mutual funds, insurance companies, and pension funds, and Financial Information Users (FIUs) such as lenders, wealth managers, and fintech platforms. The platform is architected around interoperable APIs built per RBI AA Master Directions, with a 3-tier architecture, Tier 3 data center hosting, encryption at rest and in transit, CERT-IN certified security audits, and no storage of customer financial credentials. It supports integration via mobile, web, WhatsApp, and Voice interfaces, and exposes comprehensive API documentation for developer onboarding.
Finvu's product portfolio consists of two core offerings: the Finvu AA API for FIUs to programmatically request customer consent and fetch financial data, and the Finvu consumer app (available on Play Store, App Store, and web) for end users to register, link accounts, provide and revoke consents, and view aggregated balances and transactions. Revenue is generated purely through usage-based pricing: per data fetch (20 paise to Rs. 2.50), per active user per account (Rs. 3-6), and bespoke volume-based pricing for high-volume FIUs. Go-to-market is API-first and enterprise-led, with direct sales engagement targeting banks, NBFCs, insurance companies, and wealth managers, alongside a self-serve mobile and web consumer channel. Finvu reports serving over 50 million consumers and more than 150 BFSI clients including HDFC Bank and Axis Bank, and has processed over 750,000 consent requests and 2 million API calls since October 2021.
The company has raised $2.5 million in seed funding (July 2022, led by Varanium Capital Advisors) and $15 million in Series A funding (December 2025, led by WestBridge Capital), with participation from Varanium Capital, DMI Sparkle Fund, and IIFL Fintech Fund. The Series A is explicitly allocated to expanding the product suite, enhancing analytics capabilities, and repositioning Finvu as a full-stack technology provider for BFSI clients. Finvu is a board member and investor in Sahamati, the industry alliance for India's Account Aggregator ecosystem, reinforcing its central position in the country's emerging digital public infrastructure for consent-based financial data sharing.
Finvu firmographics
Firmographics- Name
- Finvu
- Legal name
- Cookiejar Technologies Pvt Ltd
- Website
- https://finvu.in
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finvu is an RBI-licensed NBFC Account Aggregator that provides consent-based financial data-sharing infrastructure between Indian banks, NBFCs, fintechs, and other BFSI clients and individual consumers via APIs and a consumer app. It serves 150+ BFSI clients including HDFC Bank and Axis Bank.
- Ownership category
- akta.pro rank
Finvu industry classification
Industry- Product category
- Account Aggregation Infrastructure
- akta.pro primary industry
- Account Aggregation & Connectivity (Multi-bank linking) (FSAGACAA)
- akta.pro secondary industry
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG)
Keywords
Where Finvu is headquartered
LocationHeadquarters
- HQ city
- Pune
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Finvu business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Per Data Fetch: Charges for each instance of a data fetch from an individual or business account. The exact fee varies based on use-case, number of data points required, and frequency. Rate per data fetch ranges from 20 paise to Rs. 2.50.
- Per Active User Per Account: Charges for each unique user x account combination fetched during the billing period. The fee varies by use-case, data points, type of financial information, and frequency. Rate varies from Rs. 3 to Rs. 6.
- Volume-Based Pricing: FIUs requiring access to large volumes of aggregated financial data (for multiple users or multiple data retrievals) are eligible for volume-based pricing discounts. Bespoke volume-based discounts available for customers looking to switch from other AAs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Per Data Fetch - charges per API call |
| Usage-based | Pay-as-you-go | Per Active User Per Account - charges per unique user-account combination |
| Usage-based | Multi-year contract | Volume-Based Pricing - discounts for large volumes |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Finvu product offering
Product offeringCore offering
Finvu operates an RBI-licensed NBFC Account Aggregator platform that enables secure, consent-based sharing of financial data between financial institutions via interoperable APIs. It serves Financial Information Users (FIUs) such as banks, NBFCs, wealth managers and fintechs through the Finvu AA API, and serves individual consumers through the Finvu mobile and web app for account linking, consent management, and aggregated balance/transaction viewing. The infrastructure follows the RBI Account Aggregator Master Directions and does not store customer credentials.
Product overview
Finvu is an RBI-licensed NBFC Account Aggregator operating as Cookiejar Technologies Pvt Ltd. The company offers a platform that enables secure sharing of financial data between financial institutions through consent-based data sharing. The product portfolio consists of two core offerings: the Finvu AA API for Financial Information Users (FIUs) to access customer financial data programmatically, and the Finvu App for end users to manage their consents and view aggregated account information. Both products operate within India's Account Aggregator framework regulated by the RBI.
Differentiator
Problem solved
Functional benefit
Products and services
- Finvu AA API An Account Aggregator API that provides Financial Information Users (banks, NBFCs, wealth managers, fintechs) programmatic access to consented customer financial data from financial institutions via a single consent request and flexible periodic data retrieval architecture.
- Finvu App (Mobile and Web) A consumer-facing mobile (Play Store and App Store) and web application that allows individual end users to register, link financial accounts, provide and revoke data-sharing consents, and view aggregated balances and transactions across linked accounts in real time.
Quantifiable outcome
- Processed over 750,000 consent requests and 2 million API calls since October 2021
- +1 more outcomes
Companies that use Finvu
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles2 records
Finvu technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Finvu partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- SahamatiflagshipNon-profit industry alliance for India's Account Aggregator ecosystem. Finvu has nominated representative on Sahamati's board. Finvu participated in Sahamati's Rs 50 crore funding round alongside major banks and fintech companies. The alliance builds regulated digital public infrastructure for consent-based financial data sharing.
Scale indicators8 records
Recent moves5 records
Expansion highlights5 records
Finvu competitors and assessment
Company assessmentDirect peers
- OneMoney: OneMoney is another RBI-licensed NBFC Account Aggregator operating in India, offering comparable consent-based financial data aggregation infrastructure for FIUs and consumers. Directly competes with Finvu in the same AA category for BFSI client integrations.
- CAMS (Computer Age Management Services): CAMS operates an Account Aggregator business (CAMS AA) under its broader financial services umbrella, providing consent-based data sharing APIs to banks and financial institutions. Competes directly with Finvu in India's AA ecosystem.
- Setu (Indus Valley Labs): Setu is an India-focused API infrastructure provider offering account aggregator, payments and identity APIs to banks, NBFCs, and fintechs. Closely comparable on API-first go-to-market, developer experience, and BFSI target customer base.
- Perfios Account Aggregator: Perfios operates an RBI-licensed NBFC Account Aggregator alongside its broader fintech data and analytics platform, serving lenders and financial institutions with consented financial data workflows. Directly comparable on AA licensing and BFSI customer base.
Emerging players
- Finin by Jiffy.ai: Finin offers AA and open-banking-style aggregation for the Indian market with a focus on consumer lending and wealth use cases. Comparable as an emerging AA player with similar consent-based data sharing for BFSI clients.
Broad incumbents
- Plaid: Plaid is a global open banking / account connectivity platform serving fintechs and banks with consent-based financial data APIs. Comparable on technology stack (AA APIs) and developer-first GTM, though operating primarily in US/UK/Europe rather than India.
- TrueLayer: TrueLayer is a global open banking platform providing account aggregation and payment initiation APIs to banks and fintechs. Comparable product surface area (consent-driven data APIs) but operates primarily in Europe and the UK.
- Yodlee (Envestnet): Yodlee provides financial data aggregation and analytics APIs to banks, lenders, and fintechs globally. Comparable on account aggregation infrastructure and data analytics offering, though a broader incumbent serving multiple geographies.
- Mx Technologies: MX Technologies offers open finance and account aggregation APIs for banks and fintechs, with strong emphasis on data analytics and insights. Comparable to Finvu on aggregation-as-a-service and analytics roadmap; broader US-focused incumbent.
Others
- Zerodha (Kite Connect / Open APIs): Zerodha is a major Indian broker and AA ecosystem investor that also offers its own data APIs to developers. Comparable as an ecosystem participant in India's AA framework rather than a direct competitor in aggregation infrastructure.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights7 records
Customer concentration
Finvu compliance and trust
Trust signalCompliance2 records
Finvu financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finvu leadership team
Management profileNumber of profiles
Profiles1 record
Finvu funding detail
Funding detailFunding overview
Funding rounds1 record
Investors5 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finvu M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finvu
What does Finvu do?
Finvu operates an RBI-licensed NBFC Account Aggregator platform that enables secure, consent-based sharing of financial data between financial institutions via interoperable APIs. It serves Financial Information Users (FIUs) such as banks, NBFCs, wealth managers and fintechs through the Finvu AA API, and serves individual consumers through the Finvu mobile and web app for account linking, consent management, and aggregated balance/transaction viewing. The infrastructure follows the RBI Account Aggregator Master Directions and does not store customer credentials.
Is Finvu a public or private company?
Finvu is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finvu founded?
Finvu was founded in 2020. It employs 11 to 50 people.
Where is Finvu based?
Finvu is headquartered in Pune, India, in the Asia region.
How does Finvu make money?
Three revenue lines are on record. Per Data Fetch is the primary driver. The others are per Active User Per Account and volume-Based Pricing.
Who are Finvu's main competitors?
Direct peers on record are OneMoney, CAMS (Computer Age Management Services), Setu (Indus Valley Labs) and Perfios Account Aggregator. Finin by Jiffy.ai is listed as an emerging player. Broad incumbents are Plaid, TrueLayer, Yodlee (Envestnet) and Mx Technologies. Zerodha (Kite Connect / Open APIs) is listed as an others.
Does Finvu have an API?
Yes. Finvu provides an API-driven infrastructure for financial data sharing as the core building block for India's digital economy. The Finvu AA API enables Financial Information Users to request customer consent and fetch account information in real-time. APIs are offered as a service and are easy to integrate, allowing periodic access to customer financial data with a single consent request. The integration APIs provide a seamless journey for customers.
What industry is Finvu in?
Finvu's product category is Account Aggregation Infrastructure. Its primary akta.pro industry code is FSAGACAA, Account Aggregation & Connectivity (Multi-bank linking), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting).