Top Fin Tech Startups in India

BlueVine is on a mission to empower small businesses with innovative banking* designed for them. Small businesses deserve accessible and modern financial services, and traditional banks have underserved them for too long. By combining industry-leading technology and security with our team's expertise and care, we help small businesses spend their time on what matters most—the next chapter of their business. Since 2013, we've provided small and medium-sized businesses with access to more than $5.4 billion in financing. As a top small business banking provider trusted by thousands of small business owners, we're proud to offer a full suite of tailored banking services, including a business checking account, line of credit, and invoice factoring. Headquartered in Redwood City, CA, and with offices in Salt Lake City, Jersey City, New Orleans, Tel Aviv, and Karmiel, we're hiring problem solvers and collaborators to help build a better financial future for small business owners. *BlueVine is a financial technology company, not a bank.

Most things these days are instant and on-demand, except the money you're working hardest for. At EarnIn, we’re reimagining the way money moves to empower every person’s potential. We believe your hard-earned pay should flow more freely to give you more options, wherever life takes you. EarnIn is an app that lets you access your earned wages when you need them, not just on your scheduled payday. With EarnIn’s Cash Out2 feature, you can get up to $150/day, with a max of $1,000 per pay period — no mandatory fees, no interest, and no credit check. (Cash limits vary by user eligibility.) Transfers usually take 1–2 business days. Other tools like Early Pay3 let you get your paycheck up to two days early and Balance Shield4 can send alerts when your balance is low. The EarnIn app can help you make the most of your money, stay on track, and build progress day-by-day. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners. And we're excited to continue to bring world-class talent onboard to help shape the next chapter of our growth journey.

Strata is a tech-enabled real estate investment platform that pioneered fractional investing in pre-leased, Grade-A commercial properties such as office spaces, warehouses, and industrial assets. With over ₹3,000 crore in assets under management (AUM) and a strong community of 4,500 investors, Strata is India’s leading platform for fractional ownership in commercial real estate. Over the past two years, it has successfully provided investor exits exceeding ₹140 crore. By sourcing high-quality commercial assets and offering them through a seamless online platform, Strata has democratized access to commercial real estate (CRE) investments while bringing transparency and simplicity through its data-driven asset selection process and single-window execution.

Sensibull is India's first and largest Options Trading Platform. We are transforming now to a first-of-its kind financial advisor marketplace. Sensibull is funded by and partnered with Zerodha, the largest stockbroker in India. We have tied up with 7 of the top 10 brokers in India, and are adding more. We are operationally profitable, and looking to expand to other geographies. We are a product focussed, engineering heavy, high ownership team of 40 people.

Almost all the fin-tech companies face a number of hidden challenges - * Making the choice of the first bank for integration and the APIs within. * Lack of a single POC in the banks / financial / KYC institutions to avoid running around between departments to get APIs and solutions. * Testing and reaching product-market fit quickly & cheaply * The choice of banking/financial license (if any) to go to market Imagine the possibilities in Fin-tech if we remove >90% of the friction in the flow of money and financial data. Imagine the amazing innovations that can happen! We want to be the go-to platform where all of you can come, plug in the data, play around, and launch with the desired APIs and modular SDKs to go live within days (instead of months). There is no need to run around and waste 5-6 months integrating with banking/legacy BFSI / government partners. Not only that, but we also take care of the upcoming fixes, iterations, and updates without breaking any flow. We are doing the initial hard work of all those legacy integrations to customise and make the desired resources available in an extremely simple format with the highest possible automation. Think of us as a custom AWS-style infrastructure enabling your innovations and product launches at a rapid pace. Welcome to the future. It's that easy, as it should be.

SalaryBox is a mobile-first SaaS solution that makes salary calculation and payments simple & convenient for small businesses.

About Zenskar Zenskar is an AI-native revenue automation platform built to handle real-world complexity. It sits between your CRM and ERP and automate everything in between: billing, revenue recognition, collections, usage metering, and analytics. Across any pricing model, any entity structure, any currency. Our vision: Zero-Touch: Finance. Agents execute. Humans supervise. Finance teams set the rules. Zenskar runs them. Founded by [Apurv Bansal](linkedin.com/in/bansalapurv) and [Saurabh Agarwal](linkedin.com/in/saurabh--agrawal), second-time founders whose previous startups were acquired by Snapdeal and Gaana. The team brings experience from Google, Deutsche Bank, Elevation Capital, Harvard Business School and IITs. We have 5x'd revenue in the past year.

Monsoon CreditTech is one of Asia's leading fintech startups. We work with some the region's largest banks, credit-card companies and NBFCs to help them make better lending decisions (using machine learning) that result in 30% lower delinquency rates and 25% higher approval rates. We have been selected to be a part of Mastercard Start Path and have partnered with some of the leading global financial institutions to bring the power of advanced machine learning to a wide range of portfolios.

We are an early stage start-up, building new fintech products for small businesses. Founders are IIT-IIM alums, with prior experience across management consulting, venture capital and fintech startups. We are driven by the vision to empower small business owners with technology and dramatically improve their access to financial services. To start with, we are building a simple, yet powerful solution to address a deep pain point for these owners: cash flow management. Over time, we will also add digital banking and 1-click financing to our suite of offerings. We have developed an MVP which is being tested in the market. We have closed our seed funding from marquee global investors and are now actively building a world class tech team. We are a young, passionate team with a strong grip on this space and are looking to on-board enthusiatic, entrepreneurial individuals to partner with us in this exciting journey. We offer a high degree of autonomy, a collaborative fast-paced work environment and most importantly, a chance to create unparalleled impact using technology. Reach out if you want to get in on the ground floor of something which can turbocharge SME banking in India!