Fintech Software Development Company in India
PerfectionGeeks is a fintech software development company in India that builds lending, payments, wallet, wealth and insurtech products for banks, NBFCs, brokers and startups. We integrate UPI, Account Aggregator, CKYC, Video KYC, eSign and credit bureaus, and design every product around RBI, SEBI, IRDAI and DPDP Act requirements. A focused fintech MVP typically costs ₹15–35 lakh and takes 3–4 months, with a fixed quote after discovery.
Why Indian Fintechs Choose PerfectionGeeks
Built for Indian rails
UPI, Account Aggregator, CKYC, Aadhaar-based eKYC through licensed partners, eSign, eNACH and credit bureau APIs are part of our standard toolkit.
Compliance designed in, not added later
Data stored in India, audit trails, consent records and RBI digital lending disclosures are built into the architecture.
Security you can show an auditor
Encryption, role-based access, maker-checker approvals and VAPT before every major release.
Fixed price after discovery
You know the cost and timeline before development starts.
You own everything
Source code, data and IP are yours, hosted in your own cloud account.
One team in Gurugram
Product, design, engineering, QA and DevOps under one roof, with a demo every 2 weeks.
Fintech Software Development Services
Fintech Product Discovery and Compliance Mapping
We map your product, licence model and partners (bank, NBFC, PA or broker) to the rules that apply, then define the first release, the architecture and a fixed quote.
Custom Fintech Software Development
Web platforms, back-office systems and APIs built around your credit, payment or investment workflows, not a generic template.
Fintech Mobile App Development
Android-first and iOS apps with OTP and biometric login, UPI payments, KYC journeys and push alerts, tested on the budget phones most Indian customers use.
Payment and Banking Integrations
UPI, cards, net banking, eNACH and UPI AutoPay mandates, payouts, and bank APIs, through Razorpay, Cashfree, PayU, Juspay or your sponsor bank.
KYC, Onboarding and Fraud Controls
CKYC, PAN and Aadhaar-based eKYC through licensed partners, Video KYC, DigiLocker, eSign, AML screening and rule-based fraud checks.
Data, Analytics and AI
Underwriting models, bank-statement analysis, collection prioritisation, fraud scoring and dashboards, with explainable decisions for credit teams and auditors.
Legacy Modernisation
Move off ageing loan, accounting or policy systems to cloud-ready platforms, step by step, without stopping daily operations.
Maintenance, Security and Support
Monitoring, regulatory updates, VAPT fixes and new features under a monthly plan with agreed response times.
Fintech Products We Build in India
We build UPI payment apps, digital wallets, lending and loan management platforms, neobanking apps, investment and trading apps, and insurtech solutions. Each product is designed to meet RBI guidelines and KYC requirements, with secure, scalable architecture for India’s fast-growing digital economy.
| Product | Key features | Built for |
|---|---|---|
| Digital lending platform (LOS and LMS) | Onboarding, KYC, bureau pull, Account Aggregator data, rule engine, KFS, eSign, eNACH, disbursal, collections | NBFCs, banks, co-lending partners and lending service providers |
| Loan marketplace (multi-lender LSP) | Matched offers from several lenders with APR, EMI and KFS links, unbiased display | Lending service providers working with multiple lenders |
| Payments and merchant platform | Merchant onboarding with CKYC, payment links, QR, settlements, refunds, reconciliation | Payment aggregators, B2B payment startups |
| Digital wallet and prepaid card app | Wallet load via UPI, P2P and merchant payments, limits, KYC tiers | PPI issuers and their partners |
| Wealth and investment app | Mutual funds, stocks, SIPs, goal tracking, portfolio analytics, risk profiling | Brokers, distributors and RIAs |
| Insurtech platform | Quote, compare, buy, renew and claim journeys, policy admin, agent apps | Insurers, brokers and web aggregators |
| Personal finance and expense app | Account Aggregator-based spend analysis, budgets, bill reminders | Consumer fintech startups |
| Collections and recovery software | Prioritised queues, field-agent app, digital payment links, call logs, compliant reminders | Lenders and collection agencies |
| Back-office and treasury tools | Reconciliation, GST invoicing, Tally and ERP sync, regulatory reports | Finance teams at banks, NBFCs and fintechs |
Built for Indian Fintech Regulations
Indian fintech software has to meet rules that global templates ignore. We map the ones that apply to your licence and build them into the product.
| Rule | What it means for your software | How we build for it |
|---|---|---|
| RBI Digital Lending Directions, 2025 (in force from 8 May 2025) | Key Fact Statement before signing, loans paid straight to the borrower's account, a cooling-off exit of at least 1 day, apps reported on RBI's CIMS portal, data processed abroad brought back to India within 24 hours | KFS screens and auto-sent signed documents, direct-disbursal flows, cooling-off logic, India-hosted data, a register of every lending app and partner |
| Multi-lender rules for lending service providers (from 1 November 2025) | Show all matching offers with lender name, amount, tenor, APR, EMI and KFS link, without dark patterns | Offer-comparison screens with a disclosed ranking rule |
| RBI Payment Aggregator Directions, 2025 (issued 15 September 2025) | Merchant onboarding through CKYC, ongoing transaction monitoring, escrow controls for online, physical and cross-border payments | Merchant KYC workflows, risk rules, settlement and escrow reconciliation reports |
| RBI KYC Master Direction | Customer identification, Video KYC rules, periodic re-KYC, record keeping | CKYC upload and search, V-CIP flows with liveness and geo-tagging, re-KYC reminders |
| RBI data localisation for payments | Payment system data stored only in India | India cloud regions (Mumbai, Hyderabad, Delhi), no payment data replicated abroad |
| SEBI Cybersecurity and Cyber Resilience Framework | Brokers, advisers and other SEBI entities must meet its controls (deadline for most entities: 31 August 2025) | Access control, logging, backups, incident response and audit evidence built in |
| IRDAI rules for insurers and intermediaries | Policy data, disclosures and distribution rules | Compliant quote and sale journeys, records and reports |
| DPDP Act and Rules, 2025 (main duties from 13 May 2027) | Clear notice, consent, children's data, breach reporting and data deletion | Consent manager screens, purpose-based data use, deletion and audit logs |
| PCI DSS | Card data security | Tokenisation through your gateway, so card numbers never touch your servers |
Integrations We Build
Payments
UPI (collect, intent, QR, UPI AutoPay), cards, net banking, eNACH, payouts, through Razorpay, Cashfree, PayU, Juspay, PhonePe or your sponsor bank.
Identity and onboarding
CKYC, PAN verification, Aadhaar-based eKYC and offline XML through licensed partners, DigiLocker, Video KYC, eSign and eStamp.
Credit data
CIBIL, Experian, Equifax and CRIF bureau APIs; Account Aggregator for bank statements with consent; GST and ITR data for business loans.
Banking and core systems
bank APIs, Finacle, Flexcube and other core banking systems through middleware, co-lending platforms.
Accounting and ERP
Tally, Zoho Books, SAP and GST e-invoicing.
Communication
WhatsApp Business API, SMS, email and IVR for compliant reminders and alerts.
Markets
broker and exchange APIs, mutual fund platforms (BSE StAR MF, MF Central) and market data feeds.
How Much Does Fintech Software Development Cost in India?
A fintech MVP typically costs ₹15–35 lakh and takes 3–4 months. A full platform costs ₹35 lakh–₹1 crore, and an enterprise or multi-product system ₹1 crore or more. You get a fixed quote after discovery.
| Scope | Typical cost (₹) | Typical cost (US$) | Timeline | What's included |
|---|---|---|---|---|
| MVP | ₹15–35 lakh | $18,000–$40,000 | 3–4 months | One core journey (loan, payment or wallet), KYC, one payment or bureau integration, admin panel, security testing |
| Full platform | ₹35 lakh–₹1 crore | $40,000–$120,000 | 5–8 months | Customer apps, back office, rule engine, several integrations, reports, VAPT |
| Enterprise or multi-product | ₹1 crore+ | $120,000+ | 9–15 months, phased | Multiple products, co-lending or multi-lender flows, core banking integration, high availability, audits |
Our Fintech Development Process
We start by understanding your fintech goals and regulatory requirements, then move through design, secure development, KYC and payment integrations, and rigorous security testing. After launch, ongoing monitoring and support keep your product compliant, reliable, and ready to scale.
| Stage | What happens | Duration | What you get |
|---|---|---|---|
| 1. Discovery and compliance mapping | Product scope, licence model, partners and applicable rules | 2–3 weeks | Requirements, compliance checklist, architecture, fixed quote |
| 2. UX/UI design | Onboarding, KYC and transaction journeys designed for trust and low drop-off | 2–4 weeks | Clickable prototype |
| 3. Development | Apps, back office and integrations in 2-week sprints | 8–20 weeks | A working build and demo every 2 weeks |
| 4. Security and compliance testing | Functional, load and penetration testing (VAPT), audit-trail checks | 2–3 weeks | Test and VAPT reports, fixes |
| 5. Launch | Production setup in India regions, store releases, phased rollout | 1–2 weeks | Live product, runbooks |
| 6. Support and growth | Monitoring, regulatory updates, new features | Ongoing | Monthly report |
Security Built Into Every Fintech Product
Data protection
encryption in transit (TLS 1.2+) and at rest, key management through cloud KMS, masking of PAN, Aadhaar and account numbers.
Access control
role-based access, maker-checker approvals for money movement, SSO and MFA for staff.
Audit trails
every login, approval, edit and transaction logged and tamper-evident.
App security
root and jailbreak detection, certificate pinning, Play Integrity and App Attest checks, secure local storage.
Testing
OWASP-based code review, VAPT before major releases, and dependency scanning in every build.
Resilience
backups with tested restores, multi-zone hosting and incident response playbooks.
Technology Stack
We build fintech software with proven technologies, including React Native or Flutter for mobile, Node.js or Java for backend, secure payment gateway and UPI integrations, and cloud hosting on AWS or Azure. Encryption, multi-factor authentication, and fraud detection keep your platform fast, compliant, and ready to handle growing transactions.
| Layer | Technologies |
|---|---|
| Mobile | Kotlin, Swift, Flutter, React Native |
| Web | React, Next.js, Angular |
| Backend | Java (Spring Boot), Node.js, Python, Go |
| Databases | PostgreSQL, MySQL, MongoDB, Redis |
| Messaging and events | Kafka, RabbitMQ |
| Cloud and DevOps | AWS, Google Cloud, Azure (India regions), Docker, Kubernetes, Terraform |
| Security | Cloud KMS, Vault, WAF, SIEM integration |
| Data and AI | Python ML stack, scikit-learn, XGBoost, Power BI, Metabase |
Who We Work With
We work with fintech startups, NBFCs, banks, payment providers, lending platforms, and insurance companies across India and beyond. Whether you’re launching your first product or modernizing an existing platform, we deliver secure, compliant software that fits your goals and scales with your growth.
| Client type | What we typically build |
|---|---|
| NBFCs and banks | Digital lending journeys, LOS and LMS, collections, co-lending integrations, regulatory reports |
| Fintech startups | MVPs for lending, payments, wallets or personal finance, built to raise and scale |
| Payment companies | Merchant onboarding, settlement, reconciliation and risk tools |
| Brokers, distributors and RIAs | Investment apps, SIP and portfolio tools, client onboarding |
| Insurers and brokers | Online sales, renewals, claims and agent apps |
| Finance teams in other industries | Credit and collections tools, Tally integration and accounting automation |
Talk to a Fintech Software Expert
Tell us what you're building and who your regulated partner is. Within 2 business days, we'll send a recommended first release, the integrations and compliance points it needs, a timeline and a cost range in rupees, all under an NDA.
Client Testimonials
PerfectionGeeks provided excellent service from start to finish. Their team was professional, easy to work with, and delivered exactly what we needed on time. We’re very pleased with the outcome and would gladly recommend them to others.
Thanaboon Mingkaew
CEO, SMART IOT
We partnered with PerfectionGeeks for a custom accounting automation software, and the experience was excellent. Their team delivered a high-quality solution that streamlined our operations and improved efficiency. Professional, skilled, and reliable — we’re already working with them on another project.
Saarthak Gupta
Founder, Ceos Accounting Services
As COO of TRP Construction Management, I’m proud of our growth from 300 to 16,000+ SKUs and 4,000+ vendors since 2022. Thanks to Shrey Bhardwaj and Perfection Geeks for delivering scalable, future-ready technology solutions that transformed our vision into a seamless pan-India platform. Highly recommended technology partner.
Mayank Pathak
COO, TRP Construction Management
PerfectionGeeks Technologies transformed our vision into reality with innovative technology solutions. Their professionalism, timely delivery, transparent communication, and commitment to quality made the entire collaboration smooth, reliable, and highly satisfying.
Armaan
Cofounder, Kzminer
I highly recommend PerfectionGeeks Technologies for mobile and web development services. Their expertise, dedication, creative ideas, and customer-focused approach helped our business achieve impressive digital growth successfully.
Chetna
Founder CEO , Klicked
Choosing PerfectionGeeks Technologies was the best decision for our company. Their skilled developers created a user-friendly platform, provided constant assistance, and ensured exceptional performance beyond our expectations every step.
Mark
CTO, IMSMART
Working with PerfectionGeeks Technologies was an excellent experience. Their team delivered our project on time with outstanding quality, smooth communication, innovative solutions, and professional support throughout the entire development process.
Naveen
Founder Director , Way2Kart
PerfectionGeeks Technologies delivered a smooth, professional experience with excellent communication and technical expertise. Their team understood project requirements clearly, provided timely updates, and ensured high-quality results that exceeded expectations.
Srinivasa Mothay
CTO, Sethu Fishries
PerfectionGeeks Technologies impressed with their innovative solutions, responsive support, and commitment to quality. The team handled every detail professionally, delivered on time, and created a seamless experience from start to finish.
Mervin
Cofounder & CTO, Clover Infinity