Top 10 FinTech Startups Making Banking Smarter
India’s financial landscape is undergoing a digital revolution, and at the heart of this transformation are FinTech startups. These innovative companies are reimagining how people bank, invest, pay, and borrow—making financial services faster, simpler, and more inclusive. From neobanks to investment platforms, FinTech is creating smarter alternatives to traditional banking.
At Untold You, we’ve compiled a list of the Top 10 FinTech Startups Making Banking Smarter in 2025—startups that are empowering individuals and businesses alike to take control of their financial lives.
1. Razorpay
A FinTech leader in digital payments, Razorpay has built an end-to-end financial ecosystem for businesses. Its powerful APIs allow businesses to accept, process, and disburse payments easily. Razorpay also offers payroll, expense management, and working capital solutions, positioning itself as a one-stop financial hub for Indian enterprises—from startups to large corporations.
2. CRED
CRED made credit card payments cool. But it’s more than just a reward-based app—it uses data to offer members insights into their credit health, loan offers, and financial planning. With exclusive deals, credit score monitoring, and personal finance tools, CRED is redefining credit management for India’s urban population.
3. Paytm
Paytm has evolved from a mobile wallet to a full-fledged financial super app. Users can pay bills, invest in mutual funds, buy insurance, trade stocks, and manage savings—all from one platform. Its integration of financial services within a single app has made banking more accessible, especially for semi-urban and rural users.
4. Groww
Investing was once intimidating, but Groww changed that by making it simple, jargon-free, and mobile-first. It offers direct mutual fund investments, stock trading, and digital gold through an intuitive interface. With educational content and transparent charges, Groww is empowering first-time investors across India.
5. Zerodha
Zerodha is India’s largest stockbroker by volume, and its impact goes beyond numbers. With its discount brokerage model and platforms like Kite, Coin, and Varsity, Zerodha democratized trading and financial literacy. Its zero-commission mutual fund investments and low-cost trades make it a favorite among retail investors and traders alike.
6. Jupiter
Jupiter is a modern neobank designed for people who expect more from their banks. It offers a user-friendly interface with features like real-time spend insights, goal-based savings, and automatic budgeting. With no hidden charges and personalized tools, Jupiter is setting new standards for digital banking in India.
7. Fi
Aimed at millennials and Gen Z, Fi combines intelligence with banking. It helps users set financial goals, track expenses, and save smarter with customizable rules. With features like zero-balance savings accounts and smart nudges, Fi appeals to the new generation of financially aware digital users.
8. BharatPe
BharatPe focuses on empowering India’s merchants and kirana stores. It provides QR code-based payments, working capital loans, and point-of-sale solutions. By bridging the gap between traditional businesses and digital payments, BharatPe plays a vital role in promoting financial inclusion and supporting India’s MSME sector.
9. PhonePe
Once a UPI pioneer, PhonePe has now evolved into a robust FinTech ecosystem. In addition to instant payments, users can buy insurance, invest in mutual funds, and even pay for gold. Its reach across urban and rural India makes it one of the most widely used and trusted FinTech apps in the country.
10. Slice
Credit cards have long been complicated—but Slice is changing that. With a transparent and minimal fee structure, instant approvals, and reward benefits, Slice offers a user-friendly credit experience tailored for young professionals and students. Its bite-sized EMIs and no hidden charges are a welcome change from legacy credit models.
Conclusion
At Untold You, we believe innovation in finance is about more than just technology—it’s about creating financial freedom. These top 10 FinTech startups are doing exactly that. By making banking more efficient, accessible, and user-focused, they’re not just changing the way we manage money—they’re shaping the future of finance in India.
As these startups continue to scale, collaborate, and innovate, India is well on its way to becoming a global FinTech powerhouse—one smart step at a time.
