Tier 1 — Single-Journey Pilot: ₹2,00,000–₹6,00,000, 4–6 weeks. One loan journey, 1–2 data services, RBIH sandbox onboarding. Tier 2 — Multi-Journey LOS Integration: ₹8,00,000–₹25,00,000, 3–5 months. 3–5 journeys, AA consent layer, DPDP-compliant audit logging. Tier 3 — Enterprise Multi-Lender Platform: ₹40,00,000–₹1,50,00,000+, 6–10 months. Multi-lender TSP platform, full BCP/DR, AA + OCEN + ONDC interoperability.
Number of loan journeys and data services consumed, legacy vs API-first core banking/LOS, custom underwriting engine vs bureau scores, depth of compliance/audit requirements, and 24x7 BCP/DR needs for regulated entities.
UPI moves money. Account Aggregator shares a customer's consented financial data. ULI moves the loan-lifecycle data — identity, land, tax, agri, credit-guarantee — that underwriting actually depends on. RBI designed all three to interoperate, not compete, and most 2026 builds touch at least two of them.
Ask three questions before scoping a build: Are you a single regulated lender testing one product, or a platform serving many lenders? Is your core LOS/banking stack API-first or legacy? Do you need ULI alone, or also Account Aggregator consent and OCEN-style co-lending? If you can name one loan journey to launch first and one data service you can't ship without, you're ready to scope Tier 1 or 2 this quarter.
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