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.
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.
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.
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.
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.
M2P Fintech complete guide for Indian fintech product teams. Prepaid cards, co-branded cards, virtual cards, and card programme management APIs — use cases, comparison, and when to use M2P.
Open (neobank & banking API) complete guide for Indian startups. Current accounts, expense management, payroll, and banking APIs — pricing, Razorpay vs Open, and best use cases.
| 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 |
We've helped 20+ fintech products choose the right banking infrastructure stack. From Account Aggregator to card issuance — we know which vendors actually deliver in India. Free 30-minute API architecture review.
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