Fintech Companies/Startups in India

About Us:

Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases. Paytm provides consumers with services like utility payments and money transfers, while empowering them to pay via Paytm Payment Instruments (PPI) like Paytm Wallet, Paytm UPI, Paytm Payments Bank Netbanking, Paytm FASTag and Paytm Postpaid - Buy Now, Pay Later. To merchants, Paytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.

Why join us:

• Because you get an opportunity to make a difference, and have a great time doing that.
• You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve.
• You should work with us if you think seriously about what technology can do for people.
• We are successful, and our successes are rooted in our people's collective energy and unwavering focus on the customer, and that's how it will always be.

About Mintifi 
We are Mintifi, a Mumbai based fin-tech working on India's first data-driven supply chain financing platform.

We are solving huge problem of inefficient and costly access to credit for millions of Indians distributors and retailers. We use hi-tech data driven and new-age credit models and IT solutions to solve this.

We are founded by experienced entrepreneurs having experience in Investment Banking, SME Lending and Distributed Processing systems and building the businesses ground up.

We have big ambitions and dreams of disrupting the supply chain lending landscape in India. In fact, we are already doing it from last 1 year. Yet, we have only scratched the surface of the problem and the underlying opportunity and that’s where the fun begins.

If you want to part of exciting and challenging journey, love to solve complex problems, if finding the path amid uncertainties excites you, we are the place for you.

Monexo is an Reserve Bank of India approved Peer-to-Peer (P2P) Lending marketplace. P2P lending is democratizing finance. 

We are driving 'credit inclusion' through paperless onboarding of young working class earning between 15,000 to 30,000 per month with Data Science.

Being a marketplace model - we have lenders who are diversifying beyond Saving Account, Fixed Deposits and Mutual Funds to earn a better yield on their savings.

We are part of the India FinTech industry and invite you to be part of this revolution.

Simpl has revolutionized online checkout in India by creating a Pay-Later platform, empowering e-commerce merchants to offer their consumers a 1-click checkout, a line of credit at POS, and full buyer protection. It aims to empower merchants to own their customer's checkout experience. With Simpl merchants are able to provide consumers with an easy, safe, and intuitive user experience that builds a trusted relationship between the two.

Innoviti Payment Solutions (Innoviti) started its payments business in 2008 and quickly established itself as a pioneer in solving difficult problems in the payments space using technology.

Innoviti’s aim is to fuel India’s growth by helping drive a cashless economy.  We believe this will release a tremendous amount of money in the Indian market that will ease the availability of credit to fuel entrepreneurship, create jobs and improve the living standards of every Indian.  Only technology and a talented team that can put technology to use can address this tough problem.

Innoviti is a well-funded company backed by marquee investors such as Titan Company (JV between Tata Group and TIDCO) and Catamaran Ventures (founded by Mr. N. R. Narayana Murthy) and NIIC, Canada.  The company has been winner of several awards including Deloitte fastest growing company in APAC award three years in a row and Red Herring award twice.  We hold 4 patents with 7 more in pipeline.

Our business involves developing products that use technology to remove friction in a) the supply of money (credit) and b) movement of money.  These seemingly simple objectives are actually very tough problems.  Today less than 7% of entrepreneurs get access to capital to grow.  Less than 8% of purchases happen through electronic money. Solving these tough problems in sustainable ways that are scalable and profitable is a tough challenge! 

To address these problems we have built some remarkable products such as uniPAY and smelending.com that today process more than Rs 11,000 Cr. of transactions annually.  Leading customers such as Reliance Retail, Lifestyle, Yatra, Indigo, Inox, Tanishq, BPCL, WalMart are using these products.  The uniPAY product line drives the payments business where we process more than Rs 10,000 Cr. of transactions annually.  The smelending.com business drives the lending to small owners business where we process Rs 400 Cr. of lending annually

If our track record is anything to go by, we have already made a small dent in the world of payments!  We are now looking for enhancing our team with talented individuals who are ready to address more complex challenges and make a bigger dent!

Kuants is one of those organisations who believe in pure product play. We are building the most sophisticated trading systems in India and probably in the world. With our cross functional team already on board, with people ranging from freshers to MBAs to people who are well known in the industry, there is never a dearth of interesting ideas, unique implementation techniques etc. 

We are building a team of tenacious and resilient people who are passionate about tech, beauty and eCommerce. Employees are encouraged to take direct ownership of opportunities and are closely mentored by senior leadership. The team is lean, works hard and solves tough problems. We select one person to join the team for every thirty who apply. Following are the tenets of our culture.

Performance. We have a clear measurement and support structure to deliver and measure impact. This gives clarity and ensures strong delivery is rewarded disproportionately.

Learning. We fit the role to each person. Roles are clear and stretch growth in areas identified in development chats.

Ownership. Every person in the team has space and the mandate to go further in their objectives and pick up other areas of interest.

Support. Our leadership is extremely accessible and open to mentorship. We are supportive of special circumstances as well as educational opportunities.

Crediwatch is an automated & intelligent data curation platform which helps businesses make faster and smarter decisions.

Crediwatch aids sophisticated credit and other risk assessment models by providing data intelligence, predictive analysis, decision enabling technologies which maximise customer profitability and performance. Crediwatch is a digital data bank which uses advanced computational techniques to give you real time insights on a customer, competitor or vendor.

We have created over 18 million risk profiles of companies, individuals & unregistered small businesses and connected the dots of intercorporate relationships. We are working with leading financial institutions and organisations to help bridge the data gaps and provide essential services like finance to the underbanked and promote greater transparency & integrity in business.  

Crediwatch has received accolades in Citibank Tech4Integrity challenge (worldwide), Barclays Rise accelerator and Tech30 by YourStory to name a few. We are based in the heart of Bangalore and are growing fast.

About Us:-

FlexiLoans, a dynamic digital financing platform, emerged with a mission to address the challenges that small businesses encounter in securing quick, flexible, and adequate funds to foster their growth. With a vision to provide "Financial access at a click," our team comprises seasoned professionals from diverse backgrounds, including ex-founders, investment bankers, and experts in e-commerce and payments, all driven by a passion to make a positive impact on the lives of over 70 million MSME businesses in India.

As pioneers in the ecosystem-based digital lending landscape for small businesses in India, FlexiLoans.com has disrupted the conventional lending model. Remarkably, we have successfully disbursed over 58,000+ loans, totaling over Rs. 3,000 crores, to small-sized businesses across 1,600+ cities – all without maintaining a physical branch. Our strength lies in leveraging cutting-edge technology and innovative risk models, focusing on alternative and surrogate methods for customer scoring.

Our 100% digital origination process is fortified by over 100 embedded partnerships with industry giants such as Amazon, Flipkart, Nykaa, Paisabazaar, and more, facilitating seamless credit access for MSME businesses. Founded by CA/ISB alumni, FlexiLoans has garnered support from marquee funds and high-net-worth individuals, including MAJinvest, Fasanara Capital, Sanjay Nayar, Dr. Harry Banga, Yogesh Mahansaria, Gunit Chaddha, Anil Jaggia, Vikram Sud, Narayan Seshadri, Gopal Srinivasan, and Siddharth Parekh.

Explore our diverse range of financial solutions on our website: https://www.flexiloans.com/. Join us in revolutionizing financial access for small businesses, one click at a time.

Why Join Us:-

At FlexiLoans we are a three-time certified ‘Great Place to Work’ workplace. You will be working with top-tier talent from diverse backgrounds hungry to make a dent in the MSME universe. We believe in people owning what you do and providing support to folks for making decisions (sometimes even wrong decisions!) all the while learning and growing with the organization. FlexiLoans is your front-row seat to the MSME Fintech revolution in India.

SalaryBox is solution that makes employee management effortless.

Our product offers a range of features, from time and attendance tracking to employee payments, and much more. We help small businesses manage their payroll by eliminating the hassle of manual, paper-based processes With our service, you'll always know what you owe employees when payments are due, and who's been paid.

With our automated system, you can have your payroll processed in seconds, right from the palm of your hands. Our customers enjoy peace of mind knowing their company is following all regulations.

Founded in 2020 , we have raised capital from top-tier investors including Y Combinator , DoorDash Inc.’s Gokul Rajaram, former Tinder and Spotify executive Sriram Krishnan and former Facebook executive Anand Chandraskeran.

Our values are rooted in Customer Empathy & a relentless obsession with Product Innovation. Our passion to build an extremely useful and usable product has helped us grow significantly within a small span of time.

We all have heard the saying that health is wealth, right? Well, the situation today is that you need a lot of wealth to keep your health. What does this mean for the 300 million people in India who form the vast middle-income and lower-middle-income group? Will they have the ready cash available if a medical situation arises?

You must be thinking that people have insurance. Well, only about 6% of the population has private health insurance. This means that many people struggle to get quality healthcare and close to 90% of all private medical expenses are out of pocket; consequently, leading to healthcare unaffordability.

To close this gap of unaffordability, there is a need to develop formal financial services for the healthcare industry. We have positioned Affordplan at the intersection of healthcare and fintech to bring financial innovation to healthcare.

MoneyJar is an online money manager that helps you make investing your savings easy and rewarding. It turns your thoughts and life goals into actionable advice, which can be seamlessly executed on MoneyJar's secure online transaction platform. Moreover, MoneyJar constantly monitors your portfolio after you’ve invested, sending you alerts to replace and rebalance funds as and when needed.

Our aim at MoneyJar is to provide users with an innovative end to end wealth management solution that encompasses advisory, transactional and post-transaction monitoring with a user experience that has never been implemented before in financial services

SmartCoin is working towards building the NextGen FinTech company with a mission to provide a state-of-the-art, user-friendly and scalable lending platform. Your contribution will directly impact millions of Indians who lack access to simple and transparent financial products, the first being quick and easy loans.

We are an early-stage startup and we believe in giving complete freedom and responsibility to team members and helping them prosper in a collaborative and fun-loving environment. Our team comprises of IIT/IIM graduates with senior-level experience in various investment banks and tech start-ups. We are well funded by marquee investors and working towards building the largest and first-of-its-kind mobile app-based digital lending startup. Our founders have experience in growing and nurturing strong technology teams and have always encouraged entrepreneurship.

SmartCoin in News:

https://www.vccircle.com/unicorn-india-ventures-backs-micro-lending-startup-smartcoin/

https://inc42.com/buzz/smartcoin-funding-unicorn/

Credilio is founded with the idea of digitizing the distribution value chain of personal finance products. The mission of Credilio is to create a nationwide army of multi-branded trained advisors who can assist in the digital onboarding of loans and cards. Credilio enables a small financial advisor to educate customers and recommend lending products that are best suited to meet their unique requirements and further enables them to subscribe for credit cards or loans digitally.

The company does this by providing a large range of product offerings and a customized recommendation tool through a simple mobile app that empowers advisors to be truly digital and future-ready. In addition, the platform allows for instant online approval by leveraging open banking APIs of Banks and NBFCs, thus making the purchase process transparent and paperless. It has reduced the average prospecting-to-onboarding time to less than 10 minutes in a single session as compared to the industry average of an interrupted process over 2-3 days.

A challenger start-up, Credilio is the brainchild of second-time entrepreneurial duo Mr. Aditya Gupta and Mr. Anand Kapadia. It’s backed by a clutch of Venture Capital funds namely Cornerstone Venture Capital Partners, Exfinity Venture Partners, and Param Capital founder Mukul Agarwal.

The platform currently partners with 20+ leading Banks and NBFCs and has over 10,000 Financial Advisors who have assisted more than 0.5 million customer applications getting processed fully digitally in a span of less than a year. The capital raised will power Credilio’s ambitious plans to meet an ARR of 100 cr. by March 2023 and serve 25 million customers through a million advisors in the next 3 years.

BE A PART OF INDIA’S DIGITAL PAYMENTS REVOLUTION

PhonePe revolutionizing payments by building India's Payments App to provide a cashless and a seamless payment experience.

We are on a mission to make everything you do with your money an easy, fast and secure experience. And we want you to be a part of that mission. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us!

Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some reasons you should work with us.

What's Ditto?

Ditto is a new offering from Finshots. We want to help millennials make better financial decisions. And we are starting with Insurance. With Ditto, you don't just compare insurance. You understand it. Narrow down choices. Avoid pitfalls and make better decisions. 

Finshots is one of the leading financial newsletters with over 500K subscribers.

What do we do at Ditto?

• We help people buy insurance. 
• We explain health and life insurance in a language users understand 
• We curate and offer personalized recommendation
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Who's backing us?

• We are funded by Zerodha- India's largest stockbroker