“Leading the Digital Revolution: 10 Fintech Startups Reshaping India’s Financial Landscape”

The fintech industry in India has witnessed remarkable growth in recent years, revolutionizing the financial sector and transforming the way people manage their finances. These fintech startups are leveraging technology and innovation to offer a wide range of financial services, catering to diverse needs and empowering individuals and businesses. Let’s explore the top 20 fintech startups in India that are disrupting the financial landscape.

“Leading the Digital Revolution: 10 Fintech Startups Reshaping India’s Financial Landscape”


Founder: Harshvardhan Lunia and Mukul Sachan

Established Year: 2014

CEO: Harshvardhan Lunia

Impact: Lendingkart is a digital lending platform that provides quick and hassle-free loans to small and medium-sized enterprises (SMEs). It has revolutionized lending practices, offering easier access to credit for businesses that were previously underserved by traditional banks.


Founder: Kunal Shah

Established Year: 2018

CEO: Kunal Shah

Impact: CRED is a membership-based platform that rewards users for paying credit card bills on time. It incentivizes responsible credit behavior and has gained popularity for its unique approach to credit card management.


Founder: Vinay Bagri and Virender Bisht

Established Year: 2015

CEO: Vinay Bagri

Impact: NiYO is a fintech startup that offers digital banking solutions and employee benefits programs. It simplifies salary disbursals, provides expense management tools, and enhances overall financial wellness for employees.


Founder: Nithin Kamath and Nikhil Kamath

Established Year: 2010

CEO: Nithin Kamath

Impact: Zerodha is India’s largest retail stockbroker, providing online trading services and investment platforms. It has democratized stock market investing by offering low-cost brokerage services and innovative trading tools.

Capital Float

Founder: Gaurav Hinduja and Sashank Rishyasringa

Established Year: 2013

CEO: Gaurav Hinduja

Impact: Capital Float is a digital lending platform that offers working capital finance to SMEs and startups. It provides quick and flexible loan solutions, addressing the funding needs of businesses in a timely manner.


Founder: Ashneer Grover and Shashvat Nakrani

Established Year: 2018

CEO: Ashneer Grover

Impact: BharatPe is a fintech startup that enables offline merchants to accept digital payments through QR codes and offers additional financial services such as loans and insurance. It has empowered small businesses by providing them with efficient and affordable payment solutions.


Founder: Ravish Naresh, Dhanesh Kumar, and Jaideep Poonia

Established Year: 2018

CEO: Ravish Naresh

Impact: Khatabook is a digital ledger app that allows small businesses to manage their accounting and transactions digitally. It has simplified bookkeeping for micro-entrepreneurs, promoting financial transparency and record-keeping.


Founder: Sumit Maniyar and Ashwin Soni

Established Year: 2015

CEO: Sumit Maniyar

Impact: Rupeek is an online gold loan platform that offers quick and hassle-free gold loans to individuals. It has revolutionized the lending process, making gold-backed loans accessible and convenient for users.


Founder: Madhusudan E and Vivek Jain

Established Year: 2018

CEO: Madhusudan E

Impact: KreditBee is a digital lending platform that offers instant personal loans to young professionals. It caters to the financial needs of the millennial population and provides them with hassle-free access to credit.


Founder: Anish Achuthan, Mabel Chacko, and Ajeesh Achuthan

Established Year: 2017

CEO: Anish Achuthan

Impact: Open is a neobanking platform for startups and SMEs, offering business banking services, expense management, and smart financial tools. It has simplified banking for businesses, enabling them to manage their finances efficiently.

NiYO Bharat

Founder: Vinay Bagri and Virender Bisht

Established Year: 2018

CEO: Vinay Bagri

Impact: NiYO Bharat is a digital banking platform that caters to blue-collar workers and the unbanked population. It provides digital salary accounts, benefits, and financial wellness solutions, promoting financial inclusion for the underserved segments.

These fintech startups have transformed the financial landscape in India by leveraging technology, innovation, and customer-centric approaches. They have disrupted traditional banking and financial practices, providing individuals and businesses with convenient, accessible, and inclusive financial services. With their continued growth and focus on customer needs, they are set to make a lasting impact on the financial sector in India and beyond.