Top 10 FinTech companies in India - FinTech startups

    Lendingkart Lendingkart is one of the online fintech companies in India founded in 2014 by Harshvardhan Lunia and Mukul Sachan. Lendingkart Finance prov

FinTech or Fintech companies in India stands for Financial Technology companies in India and Fintech companies in India specialize in technology growth to support the banking and finance sectors.

Nowadays we all have Mobile Banking on our phones, which helps us to do all our banking from the comfort of our home or on the go. Financial apps are also used to calculate EMIs and insurance premiums.

Fintech companies in India have significantly transformed our economy and fundamentally changed the way we make payments. The payment system has changed the way we do business. Here are some of the FinTech companies in India making headlines in the financial industry, reaching different markets with their unique financial solutions.

     fintech companies in India


Lendingkart is one of the online fintech companies in India founded in 2014 by Harshvardhan Lunia and Mukul Sachan. Lendingkart Finance provides working capital loans and loans to small and medium sized businesses across India. They offer fully online capital, a quick process with minimal documentation and no collateral required.

The company's goal is to provide equity financing so entrepreneurs can focus on business rather than worrying about their cash gaps.

At the moment they are based in Ahmedabad, Bangalore and Mumbai but they work across India.



MoneyTap is India's first app-based line of credit. MoneyTap was founded in 2015 by Bala Parthasarathy, Kual Verma and Anuj Kacker. MoneyTap offers small to medium cash advances, fast mobile loans, competitive interest rates, and flexible EMIs.

Anyone with a smartphone and a PAN can see their qualification threshold in less than 15 minutes through the application. The entire process is completely paperless, except for certain important documents required to comply with the partner bank's KYC legislation. The interesting thing is that the interest rates only apply to the amount you borrow and not to your agreed limit as a whole.

MoneyTap only works with regulated financial institutions in India controlled by the RBI and they also have our own NBFC license.



In September 2012, Sampad Swain, Akash Gehani and Aditya Sengupta co-founded Instamojo. Instamojo charges fees, creates free online stores, ships products, secures credit, and more to boost your business.

Micro-entrepreneurs, startups, small and medium-sized businesses are using Instamojo to instantly start, market, operate and expand, using our suite of services like payments, free online stores, logistics, credit and finance, and more through Instamojo. mobile devices. and web platforms.

Instamojo enables personalized business tools to help a business grow online.



Razorpay is a payment solution in India that offers a suite of products to help businesses receive, process and send payments. It gives you access to all payment methods including JioMoney, Mobikwik, Airtel Money, FreeCharge, Ola Money and PayZapp including credit card, debit card, online banking, UPI and wallets. It was created in 2014 by Harshil Mathur and Shashank Kumar.

Businesses can manage the market, streamline money transactions, receive periodic fees, exchange customer bills, and utilize working capital loans from a single platform.



Founded by Vijay Shekhar Sharma, Paytm is owned by One97 Communications and licensed by RBI. Paytm has many partners like Uber, BookMyShow, Foodpanda, MakeMyTrip and many more. Investors include Softbank, Ant Financial, AGH Holdings, SAIF Partners, Berkshire Hathaway, T Rowe Price, and Discovery Capital.

Paytm Insurance is a wholly owned subsidiary of One97 Communications Ltd (OCL) and has obtained a broker license from IRDAI.

     shiksha finance

Siksha Finance
Siksha Finance is India's leading education finance institution. They also offer loans to educational institutions to develop buildings, purchase real estate and working capital. The mission of this institution is to finance the school enrollment of parents and thus reduce the dropout rate. The debts range from 10,000 to 30,050 rupees, which must be paid within 6 to 10 months.

Parents can use student loans to pay for tuition, books, uniforms, shoes, luggage, etc.

     pine labs


It was founded in 1998 by Lokvir Kapoor, Rajul Garg and Tarun Upaday. An app that turns your NFC phone into a card-based device, allowing you to accept all kinds of digital payments, including a simple Tap n Pay card.

The network has grown, providing retailers with payment options, underwriting, multi-channel analytics, leasing and insurance, branded offers, cash back, automated billing and more. In 2017, Pine Labs launched its full suite of services in the Southeast Asian markets in Malaysia.

Pine Labs technologies used by merchants in different industries are used by more than 100,000 merchants in India and many other Asian countries. In India alone, the company's cloud-based technology powers more than 350,000 POS terminals in more than 3,700 cities.

    zest money


ZestMoney was founded in 2015 by Lizzie Chapman, Priya Sharma, and Ashish Anantharaman. ZestMoney's unique platform combines mobile technologies, digital banking and artificial intelligence to make life more accessible for millions of Indian customers. ZestMoney's innovative technologies and attempts to make affordable digital finance available have contributed to its recognition as a World Economic Forum Technology Leader 2020.



PolicyBazaar was founded on Gurugram in June 2008 by Yashish Dahiya, Alok Bansal, and Avaneesh Nirjar. Policybazaar is now India's largest insurance aggregator and one of the leading fintech companies in India.

The online platform was originally a price comparison website and knowledge resource for more information on insurance and related programs. Then it became a market for insurance policies.

The organization's revenue comes from fees paid for advertising and advertising from insurers on its website.



ePayLater was founded by Akshat Saxena, Aurko Bhattacharya and Uday Somayajula. ePayLater, a digital payment solution offered by Arthashastra Fintech, allows regular online shoppers to buy now and pay later with a 14-day interest-free credit limit.

EPayLater has collaborated with IRCTC, PVR, MakeMyTrip, Yatra, EaseMyTrip, Tata Croma, Travelyaari and many more.

The service has no hidden fees and the extended line of credit is absolutely deposit-free. This helps businesses continue to serve their customers and generate better sales through shorter inventory lead times.


This list of the best fintech companies in India aims to help you understand the evolution of finance and give you an idea of how to keep an eye on the best fintech companies in India.

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