Top Fintech Companies in India 2026 – Updated List, Services & Insights

With the advent of AI and digital payment methods, India has recently seen a surge in fintech companies and startups. As of 2026, this sector is projected to handle transactions worth trillions with a focus on payments, lending, investment and insurance. We have given a top fintech companies list in India in 2026 for your reference:

Top Fintech Companies List in India 2026

Below is an updated list of top fintech companies in India in 2026 based on services, growth, and market presence.

These companies represent a mix of established players and innovators shaping India's fintech ecosystem, with a strong emphasis on accessibility and tech-driven efficiency.

Functions of Fintech Companies

Fintech companies use technology to simplify and streamline financial services as well as enhance your banking experience. The following are the key functions of fintech companies:

1. Digital Payments and Transactions: 

Enabling seamless money transfers, UPI, wallets, and gateways for quick, secure payments.

2. Lending and Credit Services:

Providing loans, credit scoring, and BNPL (Buy Now, Pay Later) using data analytics and AI for faster approvals without extensive paperwork.

3. Investment and Wealth Management:

Offering platforms for stocks, mutual funds, digital gold, and robo-advisory for personalised portfolio building.

4. Insurance:

Aggregating policies, claims processing, and risk assessment with AI for customised coverage.

5. Regulatory Compliance and Security:

Using blockchain, AI, and machine learning for fraud detection, KYC, and adherence to regulations like RBI guidelines.

6. Personal Finance Management:

Tools for budgeting, expense tracking, credit monitoring, and financial planning via apps.

7. Banking Infrastructure:

SaaS solutions for banks, including core banking, APIs, and neobanking for underserved segments.

Please note that not all fintech companies offer all of the above services. A combination of these services is offered by fintech companies.

Benefits of Fintech Companies for You

Fintech companies offer numerous advantages for everyday users, making financial management easier and more rewarding. The following are some of the great benefits of fintech companies:

• Convenience and Accessibility: Access services 24/7 via mobile apps, without visiting branches. Ideal for remote areas or busy schedules.
• Lower Costs: Reduced fees compared to traditional banks, with zero or low transaction charges, competitive interest rates on loans, and free tools like credit tracking.
• Speed and Efficiency: Instant approvals for loans, real-time payments, and quick investments, saving time on paperwork and queues.
• Personalisation: AI-driven insights tailor recommendations, like investment plans based on your spending habits or customised insurance.
• Financial Inclusion: Serves unbanked or underbanked populations with simple onboarding, micro-loans, and digital wallets.
• Security and Transparency: Advanced encryption, biometric authentication, and real-time alerts enhance safety, while clear dashboards provide full visibility into your finances.
• Innovation and Rewards: Features like cashback, rewards points, gamified savings, and new products (e.g., crypto or sustainable investing) add value and engagement.
• Better Decision-Making: Tools for budgeting, forecasting, and analytics help improve financial health and build wealth over time.

Overall, fintech empowers you with control, affordability, and innovation in managing money.

Earning Opportunities Through Fintech Companies

One of the greatest advantages of fintech companies is that they allow you to earn as well, converting users from mere consumers into active participants in the financial ecosystem. By using digital platforms, individuals can generate side income or even build full-time businesses without traditional barriers like high startup costs or extensive qualifications.

Anyone with a smartphone and an internet connection can earn commissions and rewards offered by some of these fintech companies.

For example, you can download the IK Partner app from InvestKraft, which is a fintech startup company based out of Delhi.

Through this app, you can sell insurance, loans, and investment options to your network and get commission on a timely basis.

The best part is that there is no limit on your earnings. Also, with the IK Partner app, you can become a certified POSP insurance agent free of cost, and get your own website, QR code, dedicated account manager, and lead management system to manage your client network.

With these advantages, this high-rated app is getting a lot of popularity and is known to boost income without investment. Watch this video to learn more about earning opportunities with IK Partner app

Watch Video: Be a Digital Entrepreneur - Grow Your Business with IK Partner 

Frequently Asked Questions

Who is the top fintech company?

In 2026, Paytm leads due to its user base and services, though PhonePe and Razorpay are close contenders based on metrics like valuation.

Which are the fintech companies?

Key Indian fintechs: Paytm, PhonePe, Razorpay, Groww, BharatPe, PolicyBazaar, Perfios, Mobikwik, LendingKart, Upstox, CRED, Zerodha, and InvestKraft.

Is Gpay a fintech?

Yes, Google Pay (GPay) is a fintech for digital payments, UPI, and rewards.

Is HDFC a fintech company?

No, HDFC is a traditional bank with digital tools, not a pure tech-first fintech.

What exactly does a fintech company do?

Fintechs use tech to improve finance: payments, lending, investments, insurance, and analytics via apps and AI.

Which is India's biggest fintech company?

Paytm, by valuation and scale, with PhonePe close in UPI dominance.

What are 5 examples of fintech?

• Paytm: Payments superapp.
• Razorpay: Gateways.
• Groww: Investments.
• PolicyBazaar: Insurance.
• LendingKart: SME loans.

Is TCS a fintech company?

No, TCS is an IT services firm providing tech to fintechs, not a direct fintech.

How to earn money through fintech companies?

Earn via partner programs like referrals for loans/insurance. With InvestKraft's IK Partner app, sell products to your network for commissions (no limits), become a free POSP agent, and get tools like website, QR code, manager, and lead system with no investment needed.

What are some fintech companies in Delhi?

Delhi fintechs: InvestKraft (loans/insurance/investments), BharatPe (merchant payments), SaveIN (embedded finance), Home Credit (lending), Algotest (trading), Junio (kid banking), Blockpe (blockchain).

Which fintech companies are in Noida and Delhi NCR?

Noida/NCR: Paytm (payments), Pine Labs (merchants), Zopper (insurtech), Credgenics (recovery), Spice Money (rural), plus BharatPe, Fi Money, KreditBee, Mastercard, Home Credit. Over 1,500 firms, 311 funded by 2026.

What are some fintech companies in Bangalore?

Bangalore fintechs: Razorpay (gateways), Perfios (analytics), Stable Money (wealth), moneyview (loans), Smallcase (investments), Slice (credit), Zerodha (brokerage), PhonePe (UPI).

Author: Diwakar Kumar Singh

Diwakar Kumar Singh is a finance writer and BFSI specialist with 7+ years of experience in financial content and research. He has authored hundreds of finance articles, published multiple books internationally, and contributed to research publications. A Gold Medalist MBA from IMT, he brings a strong analytical understanding combined with clear, reader-focused communication. His work focuses on simplifying complex financial topics, including IPO analysis, unlisted shares, financial ratios, and company evaluations, providing well-researched and evidence-based insights to help readers make informed financial decisions.