Technology is evolving and entering each business sector to simplify operations and enhance security. Along with this, many new top fintech companies in India are expected to appear in 2025. Fintech, the merger of two commonly used terms “Finance” and “Technology”, is one such hi-tech solution for finance businesses to control the processes and manage transactions effortlessly and securely. Multiple companies like BharatPe, MobiWik, LendingKart, PayPal, Stripe, and Fi Money are working to provide advanced solutions to the finance industries.
The best fintech companies in India example would be digital payments replacing traditional payment methods and simplifying online money transfer, lending, investment, insurance, and payment solutions. India is among the most active Fintech markets globally. Many fresh companies are emerging and expert organizations are mastering the trending technologies to integrate in the financial sector. This blog comprises top fintech companies in India.
What is Fintech?
Fintech is a technique that shows the use of innovative techniques for products, systems, and machines used in the finance business. It includes broader applications (P2P payment system and mobile banking) that are integrated with trending technologies like blockchain.
Fintech Definition
Fintech, the merger of two commonly used terms “Finance” and “Technology”, is the utilization of trending technologies in the finance and banking sectors to make operations smooth and minimize human errors.
- It automates financial services and involves progressive technologies like artificial intelligence, machine learning, IoT, blockchain, cloud computing, and open-source software.
We have mentioned the list of all fintech companies in India under the given sub-categories further in this blog.
Fintech Subcategories
The fintech industry including the top fintech companies in India is divided further into some subcategories as per their business-specific use. The fintech subcategories include:
Payments (PayTech)
The fintech payment platforms are used to transfer money online and make payments with ease.
Ex- Digital banking apps, mobile wallets, and online payment gateways.
Insurance (InsurTech)
The platform or application enables personalized insurance products and effortless applications digitally.
Ex – Personalized policy applications, and tracking systems.
Lending (LendTech)
The technology used by the borrowers to lend money without the interference of the traditional banking facilities.
Ex – Applications used for loan processing and making data-driven reports.
Personal Finance Management (WealthTech or PerFinTech)
Many top fintech companies in India use digital tools or systems to manage personal finance, track budgets, plan savings methods, and control expenses.
Ex – Applications or software used by top financial technology companies in India planning financial strategies.
Regulatory (RegTech)
The platform or software focuses on effectively supporting finance regulatory responsibilities. It is used to enhance finance sector compliance.
Ex – Applications or systems with frameworks used for compliance monitoring & reporting.
Online Trading Platform (TradeTech)
The software or application used to know about international commerce and understand trade processes both user and business models.
Ex – The applications and systems that allow digital stock selling and provide real-time market analysis.
Consumer Banking (BankTech)
Numerous top fintech companies in India use systems and digital platforms to provide instant banking solutions and brands/services.
Ex – Applications and software used by traditional banks for better user experience and quick availability.
Accounting (AccounTech)
The software or system that is used by the finance industry for tax and finance data handling to automate operations and accounting services.
Ex – Digitized tax software and platforms that handle data, analyze it, and perform predefined tasks.
The top fintech companies in India offer custom software development, app development, and financial technology services.
Equity Financing (EquiTech)
The applications and systems used for crowdfunding. In it, the user sells or buys shares to/from investors, public, or finance institutions.
Ex – The applications or systems involve crowdfunding among the participants.
New Age Banks (NeoBank)
The software, applications, or systems used by top fintech companies in India abate physical bank location requirements and focus on digital banking service accessibility.
Ex – The software or application that runs the entire bank online service without a physical location.
Fintech sub-categories use several advanced technologies to enhance the fund transfer using the digital methods wisely. The prominent ones are blockchain, cryptocurrency, IoT, cloud computing, open-source software, hyper-automation, and AI (Artificial Intelligence).
What is the Purpose of Fintech?
The top fintech companies in India concentrate on reducing expenses and providing easy access to payment and investment solutions. Fintech has the purpose of efficacy, accessibility, and affordability in the finance industry with the integration of hi-tech solutions. The sector can improve and meet customer needs using technical tools, applications, and solutions.
What is the Future of Fintech in India?
With the integration of technology in the finance sector, it is expected to grow drastically shortly. Many top fintech companies in India are competing with each other in the market in their fintech sub-category competitors. The digitization adopted by traditional businesses and companies working in the finance industry is modernized by advanced methods such as AI, blockchain, IoT, and digital banking alternatives. This is anticipated that the implementation of applications and software will enhance the overall growth of the Indian economy.
What Companies use Fintech?
Fintech is predominantly used by financial institutions including banks (traditional), investment firms, insurance, retail, real estate, and E-commerce online platforms. The top fintech companies in India provide digital payment methods (wallets and applications), and blockchain-based monetary transactions to these sectors for the enhancement of processing and efficacy.
Difference Between Fintech and Techfin with Examples
Most people believe that these terms mean the same but there is a slight difference between them. FinTech technology is the finance industry integrating the technology to provide superior customer experience. TechFin technology is the technology’s involvement in the finance sector for enhanced user interaction. With the TechFin services, you may find numerous top fintech companies in India offering the best technology merger with the finance sector. The former involves the tech-solutions in the finance industry and the latter is adopted by the current tech businesses to access the finance sector.
- Fintech Examples – BharatPay and PayTm.
- Techfin Examples – Google and Amazon.
What is a Fintech Company?
As we understand fintech, the top fintech companies in India are any business or organization that uses technology to offer financial services to the consumer. They are focused on enhancing the automation in traditional monetary services. These services may include online money transfer, lending, investment, insurance, and payment solutions. Financial institutions become fast, inexpensive, and user-friendly using the technology. The top fintech companies in India are offering technical advantages of lowering financial restrictions, enhancing R&D intensity, and boosting market share.
What is the Main Objective of a Fintech Company?
The main objective of any fintech company is to smoothen complex financial services and improve accessibility using trending technologies. You can better understand the aim after going through the list of all fintech companies in India mentioned below.
What Do Fintech Companies Do?
Fintech companies are responsible for providing various financial services using technology. It offers various solutions including monetary lending, personal finance management, investment solutions, digital insurance, and others. The top fintech companies in India use advanced technologies to improve overall efficacy in financial transactions and related services.
Why Choose a Fintech Company?
The fintech companies are highly beneficial for businesses as they benefit from monetary transactional smoothness. These companies provide personalized services and fulfill the needs of financial institutions and individual users. Whether you run a business or plan it, you should consider the best fintech companies in India as alternatives in the market.
Top 27 Fintech Companies in India 2025
We have tried above to make Fintech and related concepts clear to you. As we have understood all about fintech companies, let’s have an in-depth look at the top fintech companies in India in 2025.
We have divided the fintech companies into the above-mentioned sub-categories including:
Payments (PayTech)
The technology focuses on the inventive approach in the Payment chain to improve the experience of clients and merchants. Indian Fintech companies under this sub-category include:
Paytm
Paytm fintech company specializes in digital payments and financial services. This payment app is used by a broad range of users in India. It offers:
- Complete Financial Services (Banking services using banks & insurance facilities).
- Different Payment Alternatives (UPI, cards – debit/credit, wallet).
- E-commerce Transactions (Book online tickets using this platform).
PhonePe
PhonePe is another PayTech company among the top fintech companies in India offering digital payments and financial services. This is another payment app that is used widely in India. It offers:
- UPI Transaction Facility (Instant monetary transfer – bills and recharges).
- Investment Accessibility (Products like policies and mutual funds for financial solutions).
- Strong Usership (Inspirational growth in the market with modernized services).
Razorpay
RazorPay is another company that offers payment acceptance, processing, and distribution. This is another payment app alternative with neobanking solutions. It offers:
- Different Payment Methods (UPI, NetBanking, Cards).
- Inventive Business Solutions (Razorpay X and Razorpay Capital options).
- Periodic Payment Smoothness (Automatic recurring billing without human interference).
Insurance (InsurTech)
The top fintech companies in India use technology focused on insurance industry solutions like monetary claims and underwriting. Indian Fintech companies under this sub-category include:
Acko General Insurance
Acko General Insurance is a private-sector general insurance company. The firm complies with the online-led model. It offers:
- Zero Commission Digital Approach (No agents or brokers needed).
- Faster Claim Settlements (Same day effortless settlement).
- Partnership for Auto-Insurance Facility (Top companies like PhonePe and Amazon)
PolicyBazaar
Policybazaar platform, an Indian insurance aggregator, is another online alternative to allows users to buy or sell insurance products. It offers:
- Claim Assistance Solution (DCAP program and assigns personalized RM).
- Insurance Broking Services (Works as a middleman).
- Insurance Aggregation Solution (Poliy comparison and informed decisions).
Riskcovry
Riskcovry is another InsurTech alternative among all the top fintech companies in India that works digitally for the insurance division of the company’s clients. It offers:
- Multiple-Partner Structure (Variety of insurance solutions with various industry partners).
- Embedded Insurance Products (Integrated into E-commerce sites or fintech applications).
- Data-Oriented Information (Advanced analytics & personalized policies).
Lending (LendTech)
The inventive technology focuses on simplifying credit and finance services’ digital access. Indian fintech companies under this sub-category include:
Lendingkart
Lendingkart Technologies Private Limited is a fintech alternative that facilitates lenders to calculate the borrower’s credit and related services. It offers:
- Geographical Expansive Reach (Available in thousands of cities in India).
- Data-Oriented Credit Valuation (Creditworth calculated through the Cred8 platform).
- Complete Digital Lending Solutions (From application to disbursal).
MoneyTap
MoneyTap is a fintech lending company from the list of top fintech companies in India offering consumer loans with a simple documentation process. It offers:
- Personal Flex Loan Facility (Using a unique credit model)
- Swift Approvals and Disbursement (Hourly settlements of loans & instant assistance).
- User-friendly application (Smartphone loan application, tracking, and management).
Faircent
Faircent is an Indian RBI-registered lending platform with a direct interaction facility between lenders and borrowers. It offers:
- Customizable Loan Alternative (Borrowers can mention business-specific requirements).
- P2P Lending Model Openness (Borrower and Lender directly connected).
- Risk Assessment Software Tools (Web tool check the borrowers creditworth).
Personal Finance Management (WealthTech or PerFinTech)
The digital tools focus on finance tracking, budget creation, account aggregation, and managing personal finances. The top fintech companies in India under this sub-category include:
Equirus Wealth
Equirus Wealth is a great alternative as a WealthTech platform that offers digital or private wealth management facilities. It offers:
- Portfolio Management Experts (PMS services & quality investment advice).
- In-depth analytics and Research (Informed investments and listed stocks insights).
- Complete Wealth Management Solution (From Personalized strategies to final financial planning).
Fi Money
Fi Money is a superb option as a fintech solution for new-age savings, investments, and tracking of expenses. It offers:
- Personal Financial Information (Actionable insights and financial behavior betterment).
- User-Friendly Interface (Simple to understand and manage investments using a smartphone).
- Active Savings and Investment Suggestions (Digital banking platform & automated savings).
Regulatory (RegTech)
The top fintech companies in India use technology that is focused on regulatory compliance for the industries and enhances overall compliance management. Indian fintech companies under this sub-category include:
Signzy
Signzy is an Indian fintech company that makes regulatory processes secure & compliant for banks, Non-Banking Financial Companies (NBFC), and other financial institutions. It offers:
- AI-Risk Handling Facility (AI/ML fraud detection & compliance check).
- Complete Digital Onboarding Service (From KYC verification to final AML compliance).
- Video-Based KYC Check Solutions (Facial feature with government ID cross-verification).
Ascent
Ascent’s data-driven technology is accurate and provides regulatory compliance services for businesses responsibly. This company like other top fintech companies in India offer:
- Customized Regulatory Solutions (Compliance followed per the business-specific need).
- Instant Regulation and Updates (On-time changes and proactive approach for compliance).
- Automatic Compliance Management (AI auto-resolves the regulations without manual interference).
Online Trading Platform (TradeTech)
The advanced technology is focused on online trading and modernizing trading in the finance sector. Indian Fintech companies under this sub-category include:
Groww
Groww is a popular Indian TradeTech alternative as a fintech company that allows users to invest in mutual funds, stocks, and Exchange-Traded Funds (ETFs). It offers:
- Free Demat Account Facility (No maintenance charges applied).
- Comprehensive Investment Alternatives (Multiple investment products – stocks trading, ETFs, IPOs, mutual funds, & FDs).
- User-Friendly Application (One-click trading and real-time updates).
Zerodha
Zerodha is another best alternative as a digital platform from the list of top fintech companies in India for trading and investment in stocks, mutual funds, and Exchange-Traded Funds (ETFs). It offers:
- Equity Investment zero Brokerage Facility (Productive pricing model and investment approach).
- Investor Education Resource (Learning resources for trading and investment).
- Hi-tech Trading Software Tools (Kite -advanced charting & technical indicators).
Upstox
Upstox is another emerging Indian fintech company that offers digital trading services and currency derivatives at a lower cost. It offers:
- Advanced Mobile Application For Trading (Real-time update and convenient investment facility).
- Modern Analytical Tools (Informed investments & stock recommendations).
- Low-priced and competitive Trading (Affordable solution with brokerage fees).
Consumer Banking (BankTech)
The top fintech companies in India use technical solutions focused on improving the user experience by providing a digital personalized service. Indian Fintech companies under this sub-category include:
Jupiter
Jupiter is a digital banking app that offers innovative information on expenses and advanced features for better management. It offers:
- Zero Balance Accounts Solution (No hidden fees & simple accessibility).
- Personalized Financing Software Tools (Budgeting tools with partnership reward).
- User-Friendly Digital Application (Instant insights and user-interactive designing).
Zeta
Zeta is another superb BankTech alternative in India that enables financial corporations to introduce liability products and compliant banking services. This company from the top fintech companies in India offers:
- Inventive Payment Alternative (Secure fun transfer with Super Pin feature).
- SaaS-based Suite for Comprehensive Solutions (Covers client’s span for banking products & caters to retail or corporate requirements).
- Cloud-based Banking Substitute (Launch banking modern products swiftly).
Niyo
Niyo provides clients with fintech solutions like cross-border travel payment debit cards, multi-wallet tax benefits, and prepaid payroll cards. It offers:
- User-interactive Digital Application (Instant transaction tracking and banking service access).
- Multi-Currency Global Card (Prepaid cards for currency transactions without foreign exchange fees).
- Customized Banking Facilities (Banking services to companies for employees like salary accounts & corporate cards).
Accounting (AccounTech)
The top fintech companies in India use technology focused on accounting solutions by automating maximum processes such as reporting and auditing. Indian Fintech companies under this sub-category include:
Zoho Books
Zoho Books is an AccounTech solution that offers cloud-based accounting software for business digital management. It offers:
- Work Operational Automation (Custom regulation creation for financial processes).
- Complete FInancial reporting (Informed decision-making and audit-ready).
- Payment Gateway Integration (Incorporation with other advanced Zoho applications).
Intuit
Intuit is the best among all top financial technology companies in India AcccounTech solutions with TurboTax for Tax preparation, Quickbooks for business accounting, Credit Karma for credit monitoring, And Mailchimp for email marketing. It offers:
- Advanced Technologies like AI, ML, and NLP (AI-generated Solutions for Efficacy)
- Complete Finance Management Alternative (Integrated Products like Quickbooks, TurboTax, Mint).
- Open Banking and Information Accessibility (Bank accounts securely connected to company products).
Equity Financing (EquiTech)
The top fintech companies in India use technology focused on financial equity to simplify access to the capital markets and investors for startups. Indian Fintech companies under this sub-category include:
LetsVenture
LetsVenture is a superb alternative as an EquiTech solution with diverse funding solutions and strategic partnerships. It offers:
- Investor Educational Resources (Compiled resources for investment learning).
- Advanced in Private Market Habitat (Robust startup support for over 800 enterprises).
- Broad Investor Network (Diverse funding and strategic solutions).
AngelList India
AngelList India is an Equitech company in India that brings private ventures to professional fundraising with software for investors. This fintech company from the top fintech companies in India offers:
- Experienced Investors Syndicate Investment Model (Pool funds for startup investment).
- Simplified Fundraising Process (The startups are connected with the potential investors without agents).
- Transparency in the Startup Profiles (Business models & finances presented for accurate information).
Venture Catalysts
Venture Catalysts is another alternative of an EquiTech company that has launched Beams Fintech Funds (Growth Capital Fund). It offers:
- Active Mentorship Programs (Led by industry experts and successful ideals).
- Workshops and Training Sessions (Investment preparation programs to meet investor expectations).
- Integrated Startup Opportunities (Structured funding, mentorship, and networking facilities).
New Age Banks (NeoBank)
The top fintech companies in India use technology focused on digital banks that do not have any physical branch with inventive financial products. Indian fintech companies under this sub-category include:
PayU
PayU is a new-age banking service that provides digital payment, consumer credit, & business integration facilities in India. It offers:
- Global Payment Coverage (Global Payments coverage Combined using local support for business expansion).
- Various Payment Solutions (Over 400 payment methods & high transaction rates).
- Inventive Financial Products (Credit solutions and virtual banking accounts using the PayU Vista platform).
InstantPay
InstantPay provides NeoBank solutions for companies’ and individuals requirements via a website or mobile application. This company from the list of top fintech companies in India offers:
- Exclusive Banking Initiatives (InstantPay Digi Kendras – Offline interactions for banking services and products).
- Cashback and Rewards on Transactions (Contactless cards for payback on digital purchases).
- Comprehensive Banking Services (Personal & business banking, payments, bookings with top banking partnerships).
Freo
Freo is the biggest fintech NeoBank and the first credit-led alternative providing modern banking solutions. It offers:
- Rewards and Time-to-time Offers (Redeemable points and reward programs).
- Individual Finance Management (Advanced tools for tracking, managing, and insights into finances).
- Innovative Credit Alternatives (Freo Pay Later facility – Flexible credit solutions).
Which Fintech Company is Best in India?
The choice of top fintech companies in India depends on the primary need of the business or company. You can search all about fintech companies or specifically about the fintech company above per your niche and trust all the mentioned companies for your fintech solutions in India.
You can make financial transactions easy as a user or a business with the Fintech integration in your regular life or business operations. Minimize manual errors, enhance reconciliation for your business, and monitor or control the transaction to improve cost-effectiveness.
If you are looking for software solutions for BFSI sectors or the NBFC industry, you can rely on Watsoo, the leading Fintech solution provider. The top fintech companies in India use advanced technologies like blockchain, AI/ML, and core banking solutions with reconciliation and account aggregator solutions.
Connect with the team now to learn more about the digital services offered by Watsoo in the finance industry.
Conclusion
The blog consists of a list of the top financial technology companies in India in 2025 including 27 prominent names. Fintech companies are focused on digitizing online payment processes and enabling AI-powered. Select the suitable fintech solution for your business in India to enhance overall company growth.
We hope you have found the information you were searching for in this blog. You can get relevant details about the fintech industry and top fintech companies in India 2025.