Top Fin Tech Startups in India

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.

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.

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.

Razorpay is a payments platform for companies who want to run their business online. The company helps businesses accept online payments via Credit Card, Debit Card, Net banking and Wallets from their end customers. Established in 2013, the company has 4000+ merchants and is one of two Indian companies to be a part of Silicon Valley’s famed alumni, Y Combinator. Tiger Global, Matrix Partners and Y Combinator have invested a total of $11.5 million in Razorpay’s mission to simplify payments. Founders of Unicorn companies and other leading investors include Naveen Tewari, Kunal Bahl, Punit Soni, Rohit Bansal, Kunal Shah, Ram Shriram and Justin Kan.

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.

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.

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.

Our flagship platform - MiFiX - is arguably the world’s first commercially deployed Blockchain Middleware Ecosystem for BFSI sector. The platform currently hosts banks, insurance companies, P2P lending platforms, business correspondents, and money transfer operators across multiple countries. New Street is founded and advised by the industry stalwarts who are the thought leaders in their domains.

Finifi is an Operations AI platform for enterprises, headquartered in Bangalore. We’re already working with 100+ enterprises, including Jyothy Labs, Aditya Birla, Balaji, Bikaji, etc. helping them run critical operations across O2C, P2P, TMS and more. Finifi sits at the intersection of AI, enterprise SAAS, finance, supply chain and operations. It's a massive space globally, with unicorns like Bill, Coupa, HighRadius, and others already proving the need — but we believe it’s still day zero.