India is one of the fastest-growing fintech markets in the world. Home to thousands of companies using technology to automate and enhance banking, lending, accounting and investing, the country’s fintech market is expected to be worth $1 trillion by 2030.
Top Fintech Companies in India
- Paytm
- PhonePe
- PayPal
- Intuit
- Stripe
- Visa
- Slice
- Wise
Fintech Companies in India to Know
Headquarters: Noida, Uttar Pradesh
India Locations: Bangalore, Bangladesh, Chennai, Dubai, Kolkata and Mumbai
Founded: 2010
Paytm, one of India’s largest mobile payments and fintech platform, offers bill payments, money transfers, flight and bus ticketing, investment services through Paytm Money and retail brokerage products. The company also partners with financial institutions to provide micro-loans and buy now, pay later financing. Headquartered in Noida, Paytm pioneered QR code payment systems in India and continues driving digital payment adoption through innovations including the Paytm Soundbox and AI-powered payment routing.
Headquarters: Bangalore, Karnataka
India Locations: Bangalore
Founded: 2015
PhonePe is a dominant digital payments and financial services platform that serves as a core transactional network for over 500 million registered users in India. The application captures nearly half of the country’s entire real-time UPI transaction market share, enabling instantaneous bank-to-bank transfers for individuals and merchants. Capitalizing on this massive consumer trust, the company has diversified its platform beyond simple peer-to-peer transfers to distribute mutual funds, stock brokerage options, insurance policies and consumer lending solutions.
Headquarters: San Jose, California
India Locations: Bangalore and Chennai
Founded: 1998
PayPal is a digital payment platforms that enables individuals and businesses to send and receive money electronically. With more than 400 million active users globally, PayPal processes trillions of dollars in annual payment volume. The company is headquartered in California, but has technology centers in Bangalore, Chennai and Hyderabad. These are PayPal’s largest offices outside of the United States, according to its website, and are dedicated to artificial intelligence, product development, cloud computing and more.
Headquarters: Mountain View, California
India Locations: Bangalore
Founded: 1983
Intuit is a California-based fintech platform serving over 100 million customers globally through integrated financial software products including TurboTax, Credit Karma and QuickBooks. The company’s Bangalore office, established in 2005, is a major engineering hub developing AI-powered financial solutions for small businesses, accountants and consumers. Intuit’s India operations focus on cutting-edge fintech innovation, leveraging artificial intelligence to automate financial workflows and deliver personalized money outcomes across its consumer and business platforms.
Headquarters: San Francisco, California
India Locations: Bangalore and Hyderabad
Founded: 2017
Stripe is a financial infrastructure platform enabling e-commerce and subscription-based businesses to accept payments across multiple channels — in-person, online, and via mobile app. The platform supports payment acceptance in over 135 currencies and provides comprehensive billing solutions for recurring revenue models. With significant operations in Bangalore, Stripe serves as a key player in India's digital payments ecosystem, helping businesses modernize their financial operations and expand globally.
Headquarters: San Francisco, California
India Locations: Bangalore, Hyderabad and Mumbai
Founded: 1958
Visa operates a global payment network that facilitates fund transfers across more than 200 countries, primarily through branded credit, debit, and prepaid cards issued by partner banks. With over 4 billion cards in circulation, the company stands as the world’s most widely used payment processor. Although it is headquartered in the United States, Visa anchors a significant portion of its technical operations in India, employing roughly 2,000 people at its technology development center in Bangalore.
Headquarters: London, England
India Locations: Hyderabad, Mumbai and New Delhi
Founded: 2011
Wise, previously known as TransferWise, enables international money transfers with real exchange rates and no fees. Users can hold a balance of more than 50 currencies in their digital wallet, send payments to more than 160 countries and make transactions using a branded debit card. Built by the co-founders of tech giants like PayPal and Skype, Wise’s headquarters is in London but it has offices all over the world, including one in Mumbai.
Headquarters: Chennai, Tamil Nadu
India Locations: Bangalore, Chennai, Gurugram and Mumbai
Founded: 2008
Northern Arc is a prominent non-banking financial company that connects debt capital markets with India’s underserved borrowers across six key retail credit sectors. The platform relies on its proprietary tech stack, which integrates a dedicated debt platform, co-lending technology and credit analytics to streamline direct and intermediate lending. Northern Arc has offices all over India, including Mumbai, Gurgaon and Bangalore.
Headquarters: Amsterdam, Netherlands
India Locations: Bangalore, Gurugram and Mumbai
Founded: 2010
PayU provides robust payment gateway infrastructure and digital credit solutions for online businesses across emerging markets. Armed with a full suite of regulatory licenses in India, the system manages massive transaction volumes by processing a substantial share of the country’s UPI and credit card traffic for major consumer brands. By coupling these payment aggregation capabilities with strategic corporate acquisitions, the company delivers the optimized checkout speeds and merchant lending tools needed to sustain its transition into a highly profitable digital ecosystem.
Headquarters: Bangalore, Karnataka
India Locations: Bangalore and Guwahati
Founded: 2016
Slice Small Finance Bank, also known as Slice, is an Indian digital-first banking platform formed by the merger of the fintech startup Slice and North East Small Finance Bank.The company offers individuals 100 percent digital, zero-balance savings accounts, instant personal loans, high-yield fixed deposits, and quick UPI-based payment integrations. Additionally, the platform provides tailored credit solutions and current accounts to support India’s small and medium-sized business ecosystem.
Headquarters: Chennai, Tamil Nadu
India Locations: Bangalore, Chennai, Gurugram, Hyderabad, Mumbai and New Delhi
Founded: 2020
Yubi operates a lending marketplace connecting small and medium-sized businesses with quick-turnaround financing solutions. Formerly known as CredAvenue, the Chennai-based company has facilitated more than ₹140,000 crore in credit, according to its website, powered by 80 percent of India’s top public and private banks, as well as more than 150 of the country’s largest non-banking financial institutions.
Headquarters: Chennai, Tamil Nadu
India Locations: Bangalore and Chennai
Founded: 2017
Kaleidofin is a Chennai-based fintech platform that provides essential banking solutions tailored specifically for low-income and informal sector workers. The platform utilizes machine learning to analyze users’ spending patterns, allowing it to deliver customized credit, savings and insurance options that match their financial behavior. Since its founding in 2017, the company has scaled its inclusive financial model to serve over 4 million customers and underwrite more than $2 billion in loans.
Headquarters: Amsterdam, Netherlands
India Locations: Bangalore and Mumbai
Founded: 2006
Adyen is a global fintech platform that streamlines payment processing by unifying e-commerce, mobile, and in-person transactions into a single ecosystem. This unified approach extends to versatile point-of-sale solutions, which power everything from traditional retail counters to modern self-service kiosks in the hospitality sector. To fuel this infrastructure, the company has heavily scaled its operations in India, anchoring its regional growth with a major tech hubs in Bangalore and Mumbai.
Headquarters: San Francisco, California
India Locations: Bengaluru
Founded: 2013
Motive builds safety and productivity IoT software and hardware solutions. It combines fleet and spend management to give client companies full control of fleet-related spend. The company’s engineering team members have access to benefits like a flexible remote work policy and learning and development resources.
Headquarters: Bangalore, Karnataka
India Locations: Bangalore, Hyderabad and Mumbai
Founded: 2018
CRED is a members-only fintech app that rewards users for paying their credit card bills on time with exclusive rewards. The platform provides AI-powered credit card management tools including due date reminders, spend tracking and financial insights, alongside short-term credit lines. Headquartered in Bangalore, CRED serves over 25 million members and has launched co-branded credit card products.
Headquarters: London, England
India Locations: Bangalore, Chennai, Gurugram and Mumbai
Founded: 2015
Revolut operates as a digital banking platform that aggregates international financial tools, such as multi-currency accounts and crypto trading, into a single app. The platform adapts to local markets by integrating domestic payment systems, including India’s instant peer-to-peer network, UPI. To support this platform infrastructure regionally, the company is executing a major expansion in India, with plans to anchor a large part of its global workforce there.
Headquarters: New York, New York
India Locations: Pune
Founded: 2013
Octus, formerly known as Reorg, delivers specialized credit analysis, regulatory updates, and proprietary data to over 40,000 market professionals globally. The platform utilizes an office in Pune alongside a global team of analysts and journalists to track leveraged finance, distressed debt and private credit markets. By marrying this human expertise with AI-integrated technology, the firm provides the real-time insights and court reporting that financial and legal experts rely on to drive critical investment decisions.
Headquarters: Bangalore, Karnataka
India Locations: Bangalore
Founded: 2012
Instamojo is a Bengaluru-based e-commerce and digital payments platform designed to simplify online selling for small businesses, independent brands and freelancers. The platform bundles payment link generation, instant onboarding tools and standard gateway solutions with a modular online store builder to help micro-merchants establish an immediate web presence. Combining digital product distribution and localized billing tools, the firm functions as an entry point for entrepreneurs entering India’s retail ecosystem.
Headquarters: Singapore, Singapore
India Locations: Bangalore and Gurugram
Founded: 2018
Aspire is a Singapore-based B2B fintech company that serves more than 15,000 small and medium-sized businesses across Southeast Asia and the Asia Pacific region. The platform offers everything from multi-currency business accounts to corporate credit cards, with the goal of helping companies avoid the banking bottlenecks, hidden fees and stacks of paperwork that is usually involved in running a business. Aspire has offices throughout India, including in Bangalore and Gurgaon.
Headquarters: Mumbai, Maharashtra
India Locations: Mumbai, New Delhi, Pune and Thane
Founded: 2009
Upstox is a prominent Mumbai-based fintech broker, enabling over 1.3 crore Indian retail investors to trade stocks, mutual funds, derivatives and commodities through its digital platform. By holding direct memberships with India’s major exchanges like the NSE and BSE, the company is able to offer low-cost investment services on a massive scale. Operating out of hubs in Mumbai and Bangalore, the platform serves as a a primary gateway for the country's rapidly expanding digital investment market.
Headquarters: North Bethesda, Maryland,
India Locations: Bangalore and Chennai
Founded: 2011
Chargebee is a Chennai-based financial software platform that manages subscription billing and revenue growth for thousands of businesses globally. The system automates complex billing models, invoicing, and retention strategies across more than 130 countries to help companies scale their recurring revenue. Following its acquisitions of Numberz and RevLock, the platform also integrates collections management and regulatory-compliant revenue recognition into its core financial operations.
Headquarters: Seattle, Washington
India Locations: Bengaluru
Founded: 2011
Remitly aims to simplify international money transfers, offering a platform that allows people to send and receive funds across more than 100 currencies. Remitly’s users can choose from a variety of delivery options, and its on-time delivery promise guarantees fee refunds if money doesn’t arrive on time.
Headquarters: Palo Alto, California
India Locations: Bangalore
Founded: 2015
Businesses use Navan’s software platform for creating and managing corporate travel programs. In addition to offering features for booking travel arrangements, Navan’s technology also covers solutions for ensuring compliance with expense policies, viewing real-time spending insights and quickly reimbursing employees for travel costs they pay for out of pocket. The company’s growing presence in India includes operations in Bengaluru and Gurugram.
Headquarters: Remote First
Founded: 2012
Coinbase aims to innovate the way people and institutions interact with money onchain and shape a new generation of open, borderless financial infrastructure. The company is continuing to grow its platform in India where it has employees across engineering, data and operations teams collaborating on secure products designed to power crypto economy participation.
Headquarters: Wilmington, Delaware
India Locations: Bangalore, Chennai, Gurugram and Mumbai
Founded: 1959
CSC is a consultancy and software company that offers strategic tax services for businesses. Its digital fintech products allow users to model hypothetical tax scenarios and forecast their implications for revenue and compliance through a safe and considered process. The company has a large presence in India, where it pools its IT resources to serve global clients.
Headquarters: Bangalore, Karnataka
India Locations: Bangalore, Mumbai and New Delhi
Founded: 2008
Perfios provides real-time credit underwriting services for both banks and non-banking financial institutions, helping them to automate their loan decisions, assess customers’ financial worthiness and aggregate data. It also leverages AI and machine learning to learn on its own and forecast emerging market trends. Headquartered in Bangalore, the company operates in more than a dozen regions across India, the Middle East and Southeast Asia.
Headquarters: Boston, Massachusetts
India Locations: Bangalore and Chennai
Founded: 2011
Toast is a hospitality fintech company that provides payment software and point-of-sale solutions specifically for the food and beverage industry. The platform unifies front and back-of-house operations, enabling restaurants, fast-casual establishments, kiosks and food trucks to seamlessly manage orders while enhancing the overall customer experience. To support this technology infrastructure, the company maintains engineering and technical hubs in Bangalore and Chennai.
Headquarters: Hyderabad, Telangana
India Locations: Brahmapur and Hyderabad
Founded: 2017
SmartRecon provides software to help companies tackle various financial reconciliation areas, including payment, bank, tax and account reconciliation. The platform reduces manual reconciliation effort through intelligent automation and matching capabilities, enabling faster financial close cycles. Founded in Hyderabad, SmartRecon addresses a core fintech need in India's digital finance transformation by streamlining back-office operations that traditionally consume significant time and resources.
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Frequently Asked Questions
What are some major fintech companies in India?
Some notable fintech companies in India include:
- Intuit
- PayPal
- Paytm
- PhonePe
- Slice
- Stripe
- Visa
- Wise
Do international fintech companies have a presence in India?
Yes, global fintech companies such as PayPal, Visa, Stripe, Intuit, Wise and Adyen operate in India.
What types of fintech companies operate in India?
There are multiple types of fintech companies that operate in India, including those across digital payments, lending, investing, accounting and financial services.
