Top Trending Fintech Startups In India


Ever heard of fintech? It's like magic for money! Fintech is all about using cool technology to make banking and financial things super easy and fun. Fintech startups are like superheroes but for your wallet. They use smart ideas and high-tech tricks to make sure handling money is not complicated. From swiping your card to borrowing cash, they're changing the game.

These exceptional fintech startups in India are also creating innovative financial solutions that enable customers to achieve their financial goals. It's like having a personal financial guide leading you towards success.

Top Trending Fintech Startups In Indias

Let's delve into the top trending fintech startups in India, each contributing globally to the evolution of financial services.



Founding Year

Services Offered

User Base/Focus Group

Funding/Key Achievements



Digital payments, mobile wallet

Broad consumer base

Funded, leader in digital payments



Credit card bill payments, rewards

Premium credit card users

Innovative reward-centric model



Discount brokerage, stock trading

"Investors, traders

Zero brokerage on equity investments, educational resources



AI-powered banking info

General consumers

Part of Marwari Catalysts, focuses on financial literacy



Investment platform for mutual funds, stocks, etc.

Beginners and experienced investors

User-friendly platform, expansive financial services


In the dynamic realm of fintech, Paytm stands tall as a pioneering force. Founded in 2010 by Vijay Shekhar Sharma, this Indian startup has evolved into a multifaceted financial services giant. Initially a mobile wallet, Paytm quickly became a leader in digital payments, playing a pivotal role during the 2016 demonetization.

Recognized among the best fintech startups in India, Paytm's innovative journey has inspired numerous newcomers, contributing to the burgeoning landscape of new fintech startups in India. As one of the leading fintech startups in India, it has influenced early-stage players, reflecting the industry's vibrancy.

Amidst the multitude of fintech startups, Paytm remains a funded success, embracing innovation such as QR codes to simplify transactions. This success story mirrors the trajectory of emerging fintech startups in India. In essence, Paytm exemplifies the dynamism and potential of fintech startups in India, setting standards for others in this rapidly evolving industry.


CRED, established in 2018 by Kunal Shah, has rapidly become one of the Prominent fintech startups in India, particularly known for revolutionising credit card payments. As the brainchild of the visionary behind FreeCharge, CRED isn't just another startup; it's a game-changer, redefining how users perceive and manage credit card bill payments.

Central to its appeal is the innovative and reward-centric model, tailor-made for premium credit card users. By providing a diverse spectrum of rewards and benefits, CRED ingeniously transforms routine credit card payments into a highly gratifying experience, effectively promoting timely financial commitments.

CRED stands as a shining example of the transformative impact that fintech startups in India can have on the industry. Through its commitment to being simple, rewarding, and comprehensive in its financial services, CRED is not merely changing the way we pay credit card bills; it's also shaping our expectations of financial platforms. In the rapidly evolving landscape of fintech, CRED is positioned among the foremost fintech startups in India, leading the way and indicating that the future of finance is inherently smart, rewarding, and intensely user-focused.

3. Zerodha

Founded in 2010 by Nithin Kamath and Nikhil Kamath, Zerodha has revolutionised stock trading by introducing an innovative and simplified approach. This Indian fintech startup is renowned for its groundbreaking discount brokerage model, which not only significantly reduces transaction costs but also opens up financial markets to a broader audience. At the core of Zerodha's success is the user-friendly Kite platform, disrupting traditional brokerage models by offering zero brokerage on equity investments.

Zerodha's impact extends beyond transactions; the platform is committed to educating its user base through initiatives like "Varsity," an online educational platform providing comprehensive resources on stock trading and investment strategies. This commitment to financial education underscores Zerodha's vision to empower investors and reshape industry expectations.

As Zerodha continues its evolution, it consistently stands out as one of the top fintech startups. By combining innovation with simplicity, Zerodha has empowered a new generation of investors and set a standard for a seamless, accessible, and empowering experience in the future of stock trading.

4. BankSathi

BankSathi, led by CEO Jitendra Dhaka, is a standout player among the new fintech startups in India. This customer-centric platform leverages AI technology to empower individuals, offering a comprehensive resource for unbiased information on various banking products and services like savings accounts, credit cards, personal loans, and insurance.

In 2023, BankSathi became a part of the Marwari Catalysts portfolio as they commenced the application process for their fintech startup accelerator program.

TWith a vision for universally accessible, affordable, and convenient banking and financial services, BankSathi is committed to providing innovative and personalised solutions. Beyond facilitating financial product discovery, the platform aims to build trusted relationships with customers.

Through education and empowerment, BankSathi strives to enable individuals to make informed financial decisions, fostering a culture of financial literacy and autonomy.


Launched in 2016 by Lalit Keshre, Harsh Jain, Neeraj Singh, and Ishan Bansal, Groww stands as one of the top-tier fintech startups in India. Initially recognized for facilitating mutual fund investments, Groww has expanded its repertoire to include stocks, ETFs, and gold. The platform's user-friendly interface, complemented by a hassle-free, paperless KYC process, has been pivotal in making investment accessible to both beginners and experienced users.

Groww's commitment to user education and support sets it apart in the fintech landscape. Offering real-time market insights and educational resources, Groww empowers investors to make informed decisions. The platform's success is further underscored by strategic partnerships and robust funding rounds, solidifying its position as one of the funded fintech startups in India.

Founded on principles of accessibility and financial empowerment, Groww has played a transformative role in reshaping how Indians approach investments. As it continues to evolve, Groww remains dedicated to providing a seamless and educational investment experience for its users.


In the dynamic world of Indian fintech, Paytm, CRED, Zerodha, BankSathi, and Groww stand out as the leading fintech startups.With their innovative approaches and strategic alliances, they are shaping a future of finance that's not only accessible but also wonderfully rewarding for everyone. As top fintech startups in India, they contribute to the evolving narrative of the country's financial landscape, representing the early-stage, emerging, and funded players among the fintech startup industry.

Also Read : Top D2C Brands In India And Their Heros


1. What is Fintech?

Fintech combines technology with financial services to simplify banking and finance.

2. Who are the leading fintech startups in India?

Paytm, CRED, Zerodha, BankSathi, and Groww are among the top fintech startups in India, each offering unique financial solutions.

3. How has Paytm influenced the Indian fintech landscape?

Founded in 2010, Paytm has been a pioneer in digital payments and mobile wallets, significantly contributing to India's digital financial services.

4. What makes CRED unique in the fintech sector?

Launched in 2018, CRED stands out for its innovative approach to credit card payments, offering a rewarding experience for users.

5. How does Zerodha contribute to the fintech industry?

Zerodha, established in 2010, revolutionised stock trading with its discount brokerage model and educational resources.

6. What is the focus of BankSathi in fintech services?

BankSathi, a recent addition to Marwari Catalysts, leverages AI to provide unbiased banking information, fostering financial literacy and autonomy.

7. How is Groww shaping investment trends in India?

Groww, started in 2016, has expanded its services from mutual funds to stocks and ETFs, making investment more accessible with a user-friendly platform.