40+ banking infrastructure APIs reviewed — Account Aggregator, UPI stacks, BaaS platforms, lending APIs, and India Stack integrations. For fintechs building financial products on top of Indian banking rails.
1.3B biometric identities. eKYC, eSign, offline XML. UIDAI APIs via authorized entities only.
Real-time 24/7 money movement. ₹18T+ monthly volume. NPCI-governed. Build via PSP or TSP.
Government document repository. Fetch Aadhaar, PAN, RC, marksheets via user consent.
Consent-based financial data sharing. Fetch bank statements, investments, insurance data via AA framework.
Open Credit Enablement Network. Lending-as-a-service on India Stack rails. LSPs + lenders network.
GST data as credit/identity signal. GST analytics for MSME lending underwriting and business verification.
SEBI/RBI-licensed Account Aggregator — consent-based access to bank accounts, MF portfolios, insurance, and pension data. Developer-friendly sandbox, clean APIs, and low-latency data fetch. Most popular AA among lending fintechs for bank statement analysis.
Second-largest AA platform — backed by NSE and major banks, highest FIP connectivity. Strong in wealth management and investment platforms wanting to show consolidated portfolio views to users. Clean iOS/Android consent SDK.
Developer-first India Stack API aggregator — Account Aggregator, UPI DeepLinks, DigiLocker, BBPS, and more in one platform. Best documentation in the category. Used by fintechs building on multiple India Stack components simultaneously.
Business banking + API payouts — current account with UPI collect, bulk payouts to vendors/employees, virtual accounts for reconciliation, and RazorpayX API for programmatic money movement. 1M+ businesses use it for financial ops.
High-volume payout API platform — UPI, IMPS, NEFT, RTGS, bank account, and wallet payouts in one API. Used by gig economy platforms, insurance companies, and marketplaces for vendor and user payouts at scale. Sub-second UPI success rates.
Full-stack banking API infrastructure — UPI, virtual accounts, collections, payouts, KYC, and lending APIs in one platform. YC-backed Indian company targeting fintechs who want single-vendor simplicity for core banking interactions.
India's leading BaaS unicorn — card issuance (debit/credit/prepaid), UPI, BNPL, current accounts, and KYC in one platform. Powers 250+ fintechs including major neobanks, credit card programs, and corporate card products. NPCI and RBI regulated.
Modern banking technology stack — Tachyon credit card processing platform, digital banking platform, and payment systems for banks. Used by SBI (Tata Neu Credit Card), IndusInd, and other large banks modernizing their card tech stack.
Consumer neobanking infrastructure — Federal Bank partnerships, savings account APIs, smart deposits, and connected investment APIs. B2B2C model for embedding financial products in consumer apps targeting urban Indian millennials.
RBI-regulated P2P lending platform with API access — co-lending, embedded credit, and BNPL APIs for platforms wanting to offer credit to their user base without NBFC license. API-first approach for embedded lending use cases.
Embedded personal loan APIs for platforms — instant credit line APIs that let any consumer platform embed credit for their users without NBFC compliance burden. Used by e-commerce, gig platforms, and B2B marketplaces.
Bank statement analysis platform — AI-powered categorization of transactions, income verification, fraud detection, and affordability scoring from raw bank statements. Used by 400+ lenders for underwriting. Unicorn status in 2023.
Collections management platform — AI-powered loan collections, legal notice automation, and delinquency prediction. For NBFCs and lenders managing post-disbursement loan book and NPA prevention. Strong in personal loan and MSME lending segment.
| What you're building | Primary API | Secondary | Why |
|---|---|---|---|
| Lending / credit product | Finvu AA or OneMoney | Karza + Perfios | Bank statement data + verification for underwriting |
| Neobanking / current account | M2P Fintech or Zeta | Razorpay X or Cashfree | Full BaaS platform + payout capability |
| Embedded finance in app | Decentro or Setu | Relevant NBFC partner | Single-vendor API for multiple banking primitives |
| Wealth / investment product | OneMoney AA | CDSL/NSDL + BSE StarMF | Portfolio aggregation + MF transaction rails |
| Insurance product | Setu India Stack | Verak or BimaPe | Policy issuance APIs + IRDAI-compliant flow |
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