Top 10 Fintech Companies in India [2025–2026 Update]

Fintech in India is growing fast. By 2026, the market is shaping around digital lending, UPI 2.0 enhancements and AI-driven underwriting and fraud controls. For consumers and small businesses, this means a lot. They get more personalised credit, paperless onboarding and faster payments.

Let's explore the top 10 fintech company in India. Here is what you should know for 2025 to 2026.

Why Fintech Growth in India 2025 Matters to You in 2026

India now hosts thousands of fintech firms and a resilient digital payments backbone. Monthly UPI volumes and merchant acceptance continue to scale, while regulators push clearer rules for digital credit and platform risk controls. 

For you, that will mean easier access to credit, better fraud protection and more tailored financial products delivered via apps and partner networks. So it is important for you to know the fintech companies in India.

Top 10 Fintech Companies in India

These are the fintech companies in India:

• Paytm
• Razorpay
• Pine Labs
• Cashfree Payments
• PolicyBazaar
• Lendingkart
• ZestMoney
• Niyo
• Credgenics
• Visa

Each of the entries below focuses on what you, as a customer or small business, will find useful.

The Best Fintech Companies In India

Here are the top fintech companies in India:

1. Paytm - Payments & Fintech Superapp

Paytm is a leading payments and financial services platform. It offers you UPI, wallets, merchant acceptance and lending partnerships. Paytm returned to profitability in mid-2025, driven by lending and tighter expense control. It is a sign that it is refocusing on sustainable growth and compliance. With lakhs of merchants and strong brand recall, Paytm remains one of the top 10 fintech company in India.

2. Razorpay - UPI Payments, Gateways & SME Banking

Razorpay powers digital payments for millions of businesses. You get payment gateways, payouts and business banking tools in one place. In 2025-26, Razorpay is expanding AI-based payment automation and new credit tools for SMEs. It continues to be a market leader in B2B fintech. It is one of the top 10 fintech companies.

3. Pine Labs - Merchant Payments & BNPL

Pine Labs is popular for its POS machines and merchant lending products. It also supports BNPL services for retail customers. As it prepares for its IPO, Pine Labs is focusing on new retail credit products and expanding across Asia. Its strong merchant network makes it one of the leading fintech firms in India.

4. Cashfree Payments - Banking APIs & Global Payments

Cashfree offers payouts, collections, cross-border payments and API-driven banking. Its new funding in 2025 is helping the company grow faster and expand into more global corridors. Cashfree is a top choice for startups, e-commerce sellers and enterprises looking for fast and reliable payment solutions. These make it one of the best fintech companies in India.

5. PolicyBazaar - Insurance Marketplace & Digital Advisory

PolicyBazaar helps you compare and buy health, motor and term insurance policies. In 20-26, the company is using AI to offer more personalised insurance suggestions and expanding into deeper health insurance support. It remains one of India’s most trusted insurtech brands.

6. Lendingkart - MSME Digital Lending

Lendingkart is a fintech innovation in India. It gives working capital loans to small businesses using digital underwriting. With rising demand from MSMEs in 2025 and ongoing fundraising activity, Lendingkart continues to grow its loan book using technology and data-driven credit checks.

7. ZestMoney - BNPL & Consumer Credit

ZestMoney offers easy EMIs at checkout and BNPL options across major brands. As BNPL becomes more regulated and stable, ZestMoney remains an important player in India's consumer credit space. It continues to partner with retailers and e-commerce platforms to offer instant affordability options.

8. Niyo - Neobanking for Everyday Users

Niyo offers zero-balance digital accounts, salary accounts, global travel cards and investment tools. In 2025-26, Niyo is seeing strong demand as more people prefer hassle-free banking without branches. Its travel card remains one of the most popular products among international travellers.

9. Credgenics - Collections & Legal Automation

Credgenics is a leading collections SaaS platform that helps banks and NBFCs manage debt recovery with digital tools and legal automation. In FY25, the company recorded strong profitability and rapid adoption. By next year, more fintech lenders will be using Credgenics to automate their recovery workflows.

10. Visa - Global Payments Network & AI-Driven Security

Visa is one of the world’s most trusted payment networks. In India, Visa is working with banks and fintechs to support card payments, tokenisation and secure authentication. At the Global Fintech Fest 2025, Visa introduced AI-based “Payment Passkey” tools to make online payments safer and faster.

These are the top 10 fintech companies.

A Comparison of The Top 10 Fintech Company in India

Here you can see a clear difference in the digital lending companies in India:

Top Fintech Startups in India to Watch in 2026 

These are the top fintech startups in India. You should watch smaller but fast-moving names as they may surprise in 2026:

• Fi Money: Gives you personal finance and neobanking features
• KreditBee: They provide short-term digital credit for young professionals
• Slice: It is a card-like credit
• Navi: It gives you broad financial services, including insurance and lending

These startups are creating specialised products that can grow fast when they get more support from embedded finance partnerships.

Fintech Changes in 2026 That Impact You

• Regulation and UPI Updates: NPCI and regulators introduced UPI usage and operational guidelines that affect app behaviour and limits. This impacts how often you can query the balance or use certain high-frequency actions. 
• Investors Focus On Profitability: Many large companies have changed from growth-at-all-costs to profitability. You may see product consolidation. 
• AI and Risk Management: AI is being adopted for underwriting and fraud detection. Expect smarter offers and faster decision-making from 2026 onwards. 

2026 Outlook for Leading Fintech Firms in India

Fintech in India is entering a more mature phase. After years of rapid expansion, companies are now tightening operations, improving compliance and using AI. It can help you find risk, fraud control and get a personalised journey. For consumers and small businesses, this means faster approvals, safer digital transactions and more reliable products. 

In 2026, you can expect embedded finance across everyday apps and a rise in phygital and assisted channels for customers who still prefer human support.

Summing Up

Knowing the top 10 fintech company in India is important for you. The fintech growth in India 2025 is fast. It is moving into a smarter, safer and more AI-driven phase. With better UPI features, stronger compliance and faster digital lending, managing money in 2026 will become simpler for you. The top fintech companies in India are focusing on secure access, quick approvals and user-friendly tools.

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