FinTech and Finance Software Development in India
RBI, UPI, and Account Aggregator-ready platforms for lending, payments, wealth, and neobanking.
Indian FinTech is the most exciting and most regulated software market on earth. UPI, AA, ONDC, RBI guidelines, PA-PG licensing - the rules change monthly. We build payment, lending, and wealth platforms that comply by design, integrate with every Indian rail, and scale from 1,000 to 10 million users.
Challenges facing finance & fintech businesses in India
The pain points we hear every week from Indian founders and operators.
RBI and SEBI Compliance Shifts Monthly
RBI digital lending guidelines, PA-PG, SRO, and SEBI rules require constant architecture updates.
UPI and AA Integration is Complex
UPI 2.0, Account Aggregator, BBPS, and ONDC each have their own SDKs and edge cases.
Fraud and KYC at Scale
Aadhaar eKYC, video KYC, PAN, and bank account verification at millions of transactions/day.
Reconciliation Hell
Multi-rail payments (UPI, IMPS, NEFT, cards, wallets) create massive recon overhead.
Trust and Security
One data breach kills a FinTech brand - security must be baked in, not bolted on.
How RapidCode solves these problems
Our FinTech team builds compliance-first architecture. RBI-ready data residency, automated audit trails, integrated KYC and AML, UPI and AA SDKs deployed cleanly, and reconciliation engines that close books in hours, not days.
Services we offer for finance & fintech
End-to-end engineering tailored to your industry.
Payment Apps & Wallets
UPI, BBPS, cards, wallets - PA-PG ready or merchant-acquirer integration.
Lending Platforms
LOS, LMS, collections, and AA-based underwriting for NBFCs and fintechs.
Neobank Platforms
Account opening, debit cards, savings, and FD products on partner bank rails.
WealthTech & Brokerage
Mutual funds, stocks, bonds - BSE Star, NSE, and SEBI-compliant flows.
Account Aggregator
AA-based data fetch for underwriting, PFM, and analytics.
GST & Accounting
GST filing, e-invoicing, and accounting platforms for Indian businesses.
Benefits for finance & fintech teams
RBI and SEBI Architecture
Data residency, audit trails, and consent flows that pass first-try regulatory review.
All Indian Rails
UPI 2.0, BBPS, AA, ONDC, IMPS, NEFT, and card networks integrated cleanly.
KYC and AML Stack
Aadhaar eKYC, CKYC, video KYC, PAN, and AML screening (Signzy, Hyperverge, IDFy).
Bank-Grade Security
PCI-DSS, ISO 27001 readiness, encryption, and pen-testing built into the SDLC.
Reconciliation Engines
Multi-rail recon that closes daily books with sub-0.1% mismatch.
Why choose RapidCode
Senior India-based team building production software for global clients.
Faster Delivery
Ship MVPs in 4 to 8 weeks using AI-accelerated workflows, not 6 month waterfalls.
Scalable Architecture
Built on modern stacks - React, Node, Supabase, AWS - that grow from 100 to 10 million users.
Modern UI/UX
Conversion-tuned interfaces designed for Indian users across web and mobile.
AI-First Approach
Every build evaluates where AI agents, automation, or LLMs can cut cost and time.
Cost-Effective
Senior India-based team. Global quality, transparent pricing, no agency overhead.
Dedicated Support
WhatsApp-first communication, 24 hour response SLA, post-launch handover included.
How we helped a finance & fintech client win
Client
RBI-licensed NBFC, Mumbai - personal loans
The Challenge
Manual underwriting taking 4 days. Loan book stuck at ₹40 Cr. RBI digital lending guidelines forced re-architecture.
What We Built
Built AA-based underwriting (Sahamati), automated bank statement analysis, integrated CKYC and video KYC, and shipped a fully RBI-compliant LOS in 14 weeks.
The Outcome
Decisioning time: 4 days to 7 minutes. Loan book grew from ₹40 Cr to ₹180 Cr in 9 months. RBI audit cleared.
7 min
Decision time
4.5x
Loan book growth
Cleared
RBI audit
What clients say
"From manual underwriting at 4 days to AA-based decisioning at 7 minutes. Our loan book grew 4.5x in 9 months."
"RapidCode built our UPI app and PA-PG flow. RBI audit cleared first try - rare in our industry."