India’s fintech ecosystem continues to expand at an unprecedented pace. With a population of over 1.45 billion and one of the world’s fastest-growing digital economies, India now stands as a global leader in financial technology innovation. Rising smartphone penetration, widespread UPI adoption, and strong government support for digital infrastructure have created fertile ground for fintech startups.

In 2026, fintech companies drive financial inclusion, simplify payments, accelerate lending, modernize insurance, and democratize investing. These startups rely on artificial intelligence, blockchain, data analytics, and cloud technology to deliver faster, safer, and more affordable financial services.

This compilation presents the Top 30 Fintech Startups in India (2026) that continue to reshape how individuals and businesses manage money.

1. Paytm

Paytm remains one of India’s most recognized fintech brands. The company provides digital payments, bill payments, ticket booking, banking services, and merchant solutions. In 2026, Paytm focuses strongly on core payment infrastructure, financial services, and regulatory compliance while serving millions of consumers and merchants nationwide.

2. PhonePe

PhonePe dominates the UPI ecosystem in India. The platform enables instant peer-to-peer payments, merchant transactions, mutual fund investments, and insurance purchases. PhonePe continues to expand into financial products while maintaining leadership in digital transactions.

3. Razorpay

Razorpay simplifies online payments for businesses of all sizes. The company offers payment gateways, subscription billing, payroll solutions, and business banking tools. Startups and enterprises rely on Razorpay for secure, scalable payment infrastructure.

4. Cashfree Payments

Cashfree delivers fast payment processing and bulk payout solutions for businesses. Marketplaces, fintech platforms, and lending companies use Cashfree’s APIs to manage collections and disbursements efficiently.

5. Juspay

Juspay builds high-performance payment technology for large digital platforms. The company improves transaction success rates, strengthens security, and optimizes checkout experiences for major e-commerce and mobility companies.

6. Pine Labs

Pine Labs provides point-of-sale systems and merchant financing solutions. Retailers use Pine Labs to accept multiple payment modes, including cards, UPI, and wallets, while accessing data-driven business insights.

7. BharatPe

BharatPe empowers small merchants with QR-based payments and working capital loans. The platform allows shopkeepers to accept UPI payments and access quick credit without complex paperwork.

8. Slice

Slice offers a digital credit platform for millennials and young professionals. The company provides virtual cards, flexible repayment options, and expense management tools without requiring traditional income proof.

9. KreditBee

KreditBee delivers instant personal loans to salaried and self-employed users. The platform uses alternative data and AI-based credit scoring to approve loans quickly and responsibly.

10. EarlySalary (Fibe)

Fibe provides short-term loans and salary advances to young professionals. The company focuses on speed, simplicity, and transparent pricing to meet urgent financial needs.

11. MoneyTap

MoneyTap offers a personal line of credit that users can withdraw anytime. The app functions like a digital credit card with flexible repayment schedules and minimal documentation.

12. Rupeek

Rupeek revolutionizes gold loans by offering doorstep services. Customers pledge gold from their homes and receive instant loans through a fully digital process.

13. Capital Float (Axio)

Capital Float specializes in embedded lending for e-commerce customers and SMEs. The platform partners with large marketplaces to offer instant credit at checkout.

14. Lendingkart

Lendingkart supports small and medium enterprises with fast working capital loans. The company evaluates creditworthiness through data analytics rather than traditional collateral-based methods.

15. Zerodha

Zerodha leads India’s discount brokerage market. The company offers stock trading, commodities trading, mutual funds, and investment education through its Kite and Coin platforms.

16. Groww

Groww simplifies investing for retail users. The app allows individuals to invest in stocks, mutual funds, ETFs, and IPOs through an intuitive and transparent interface.

17. Upstox

Upstox provides a technology-driven trading platform for equities, commodities, and derivatives. The company attracts traders through competitive pricing and real-time analytics.

18. Smallcase

Smallcase enables investors to build diversified portfolios based on themes and strategies. The platform partners with stockbrokers and asset managers to offer curated investment baskets.

19. INDmoney

INDmoney functions as a personal finance super app. Users track investments, manage expenses, and invest in Indian and US stocks from a single dashboard.

20. Kuvera

Kuvera focuses on long-term wealth creation and tax planning. The platform supports mutual funds, fixed deposits, and goal-based financial planning tools.

21. PolicyBazaar

PolicyBazaar leads India’s online insurance marketplace. The company allows customers to compare and purchase health, life, motor, and travel insurance policies with transparency and ease.

22. Digit Insurance

Digit Insurance offers technology-driven insurance products with simple policy terms and fast claims processing. The company emphasizes customer experience and digital-first operations.

23. Acko

Acko delivers embedded micro-insurance for digital platforms such as ride-hailing, e-commerce, and travel services. The company focuses on affordable coverage and seamless onboarding.

24. ClearTax

ClearTax provides tax filing, GST compliance, and financial planning tools. Individuals and businesses use the platform to simplify regulatory processes and maintain financial accuracy.

25. Khatabook

Khatabook helps small merchants maintain digital ledgers. The app replaces manual bookkeeping with automated records and payment reminders for kirana stores and micro-businesses.

26. CoinSwitch

CoinSwitch operates as one of India’s largest regulated crypto platforms. The company enables users to buy, sell, and manage digital assets while complying with evolving regulations.

27. CoinDCX

CoinDCX serves retail and institutional crypto investors. The platform also invests heavily in blockchain education and Web3 development initiatives.

28. Niyo

Niyo redefines digital banking for young professionals and travelers. The platform offers zero-balance accounts, forex cards, and international payment solutions.

29. MobiKwik

MobiKwik continues to serve as a digital wallet and payment service provider. The company also offers credit, insurance, and investment products through its app.

30. ZestMoney

ZestMoney enables consumers to purchase products using no-cost EMI options. The platform partners with e-commerce companies to provide affordable financing at checkout.

Key Trends Shaping Indian Fintech in 2026

Fintech companies adopt AI-driven credit scoring and fraud detection.
UPI transactions exceed 15 billion per month.
Embedded finance integrates loans and insurance directly into apps.
Wealthtech platforms attract first-time investors from Tier 2 and Tier 3 cities.
Digital Rupee (CBDC) pilots expand across banking and retail sectors.
SME lending grows rapidly through data-driven underwriting models.

Conclusion

India’s fintech startups now play a central role in the nation’s economic transformation. These companies simplify payments, expand credit access, modernize insurance, and democratize investments. By combining technology with financial inclusion, India’s fintech ecosystem continues to shape the future of banking and commerce.

The Top 30 fintech startups listed above represent the strongest innovators in 2026. Together, they drive India toward a fully digital, accessible, and intelligent financial system.

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ByArti