Fintech App Development Company in Pune
Need a financial app that actually works and stays compliant? We're a mobile app development company in Pune that builds digital wallets, payment apps, investment platforms, and banking solutions. Real security. Real compliance. We also build cross-platform apps, Android apps, and iOS apps.
India's digital payments market is expected to cross $10 trillion by 2026. Pune is right at the center of this fintech boom. Whether you want a UPI payment app, a wealth management tool, or a full neobanking solution — our Pune team knows PCI-DSS compliance, RBI guidelines, and secure architecture inside out. We'll take your fintech idea and turn it into something people trust with their money.
Why Pune Businesses Choose Us for Fintech App Development
Here's the thing about fintech app development — you can't just hire any dev team. You need people who get both the tech and the regulations. We've built payment apps, digital lending platforms, and investment tools for startups in Magarpatta City, financial institutions in Hinjewadi, and growing fintech companies in Baner. Security isn't something we add later. It's in every line of code from day one.
Being in Pune puts us right in the middle of India's growing fintech scene. Whether you need UPI integration for a payment app or full RBI compliance for a digital lending platform, we can sit across the table from you, understand your compliance headaches, and give you real support — not just tickets and emails. Our clients stick with us because we hit deadlines, talk straight, and never take shortcuts on security.
What Makes Our Fintech App Team Different
- → Security-First Development
Every feature comes with encryption, secure APIs, and compliance already built in
- → Regulatory Expertise
We know RBI, SEBI, and IRDAI rules well — so your app stays on the right side of regulations
- → Source Code Ownership
You own everything we build. Full IP rights, no strings attached
- → Post-Launch Monitoring
We watch your transactions 24/7 and give you 3 months of free maintenance
Fintech App Development Expertise — 10+ Apps Shipped from Pune
We've been building fintech apps from Pune for over 10 years now. Payment startups that needed UPI integration and Razorpay setup. E-commerce platforms that needed smooth checkout flows. Digital lending apps with Aadhaar-based eKYC and KYC verification workflows. Investment apps pulling live market data. Every project taught us something new about what makes a financial app work — both for regulators and for real users.
The big difference with us? We don't treat PCI-DSS or RBI compliance as a last-minute checkbox. It's part of the build from sprint one. Our team keeps up with changing financial regulations so your app doesn't fall behind. We've helped clients deal with payment aggregator licensing, NBFC tech requirements, and everything in between. And our app maintenance services keep your fintech platform compliant long after launch.
Being in Pune is a real advantage here. We're connected to the local ecosystem — banks, NBFCs, fintech startups. That gives us practical know-how that teams in other cities just don't have. Whether you're building a peer-to-peer lending platform, a stock trading app, or a digital banking solution, we know how to make it solid and secure.
Fintech App Development Services
Digital wallets, payment apps, banking platforms, investment tools — here's what we can build for you.
Digital Wallets & UPI Apps
We build digital wallet and UPI payment apps that process transactions in real time. QR code payments, bank account linking, money transfer — all working fast and secure.
Investment & Trading Platforms
Stock trading apps, mutual fund platforms, SIP trackers — with live market data, portfolio dashboards, and SEBI-compliant workflows built in.
Digital Lending & Loan Apps
Complete lending apps with credit scoring, loan origination, EMI calculators, auto disbursement, and collection tracking. Built for NBFCs and digital lending startups.
Insurance Tech Apps
Policy management, claims processing, premium calculators, and digital onboarding — everything an insurance company needs in one app.
Personal Finance & Budgeting
Expense trackers, budgeting tools, and financial planning apps. We add bank account aggregation, spending insights, and savings goals that people actually use.
Neobanking & Digital Banking
Full digital banking apps — account management, fund transfers, bill payments, virtual cards, and multi-currency support. Everything a modern bank needs.
Technologies We Use for Fintech Apps
These are the tools and frameworks we use daily. Proven, reliable, and trusted by banks worldwide.
React Native
Cross-platform UI
Flutter
Native performance
Node.js
Backend APIs
PostgreSQL
Relational database
Redis
Caching & sessions
AWS
Cloud infrastructure
Razorpay SDK
Payment gateway
Firebase
Auth & analytics
Security & Compliance Standards
People trust your app with their money. Here's how we make sure that trust is well-placed.
PCI-DSS Compliance
We follow PCI-DSS standards for handling card data, tokenization, and secure payment processing. No shortcuts here.
RBI Guidelines
Your app follows Reserve Bank of India rules — payment systems, digital lending, KYC verification norms, and digital banking operations.
Data Encryption (AES-256)
AES-256 encryption keeps stored data safe. TLS 1.3 protects data while it moves. Your users' financial info stays locked down, end to end.
Two-Factor Authentication
OTP, fingerprint, face ID, device verification — multiple layers so only the right person gets in. Secure transactions every time.
Audit Trails & Logging
Every transaction gets logged. Every user action gets tracked. Tamper-proof records for regulatory reports and catching fraud early.
Penetration Testing
We run vulnerability scans, OWASP security tests, and third-party audits before every major release. Better we find the holes than someone else.
Fintech App Development Process
Every phase has compliance checkpoints and your sign-off. No surprises. No "we'll fix that later." Here's how we work.
Discovery & Compliance Review
We sit down, understand your business, figure out what regulations apply, and map out a compliance plan.
UI/UX Design
Design clean interfaces that users trust. Nobody uses a financial app that looks sketchy.
Secure Development
We write code with security baked in — encryption, secure APIs, and proper data handling from the start.
Security Testing & Audit
Penetration tests, vulnerability checks, and compliance verification. We find problems before hackers do.
Launch & Support
Go live with 24/7 monitoring, ongoing security patches, and compliance updates as rules change.
Fintech App Development Cost in Pune
Honest pricing, no hidden fees. Your final cost depends on what features you need, what compliance you require, and which integrations are involved.
Basic Fintech App
Digital wallet or UPI payment app
- ✓ UPI / card payments
- ✓ Basic KYC verification
- ✓ Transaction history
- ✓ Push notifications
- ✓ 3-4 months timeline
Advanced Financial App
Investment app or digital lending platform
- ✓ Multiple payment gateways
- ✓ Full eKYC with Aadhaar
- ✓ Portfolio / loan dashboard
- ✓ Admin panel & analytics
- ✓ 4-6 months timeline
Enterprise Fintech Platform
Neobanking or full banking solution
- ✓ Complete banking features
- ✓ Regulatory compliance suite
- ✓ Fraud detection system
- ✓ Microservices architecture
- ✓ 6-9 months timeline
* These are ballpark figures. Your actual cost depends on the features, compliance needs, and third-party integrations. Talk to us for an exact quote.
Fintech Apps We've Built — Real Numbers
These aren't made-up numbers. Here's what actually happened with fintech apps we built for businesses in Pune and across India.
Monthly Transactions Processed
We built a UPI payment app for a Pune fintech startup. It now handles over ₹2 crore in monthly transactions. 99.9% uptime. Zero security incidents since day one.
Active Users in 6 Months
Built a personal finance app with bank account linking and spending insights. Hit 15,000+ active users within six months. People kept coming back because it actually helped them save money.
Faster Loan Disbursement
Built a digital lending platform with automated eKYC, credit scoring, and instant disbursement for a Maharashtra NBFC. Cut their loan processing time by 60%.
Other App Development Services in Pune
Need something beyond fintech? We build apps across all major platforms and industries.
Android App Development
Native Android apps using Kotlin and Java. Built for the Play Store.
iOS App Development
iPhone and iPad apps built with Swift and SwiftUI for the App Store.
Cross-Platform Development
React Native and Flutter apps — one codebase, both platforms.
E-Commerce App Development
Shopping and marketplace apps with built-in payment integration.
App Maintenance & Support
Bug fixes, updates, security patches, and keeping things running smooth.
Healthcare App Development
Telemedicine, patient management, and medical apps — fully compliant.
Fintech App Development FAQs
How much does fintech app development cost in Pune?
It depends on what you're building. A simple digital wallet or UPI payment app runs about ₹5-10 lakhs. If you need investment features, KYC verification, or multiple payment gateways, expect ₹10-20 lakhs. Full-scale banking apps with all the compliance bells and whistles? That's ₹20-40 lakhs or more. We'll give you an honest estimate once we understand your requirements.
How do you ensure security and compliance in fintech apps?
Security is built into every step, not added at the end. We follow PCI-DSS standards for anything payment-related, stick to RBI guidelines, use AES-256 encryption, and run penetration tests before launch. We also do security audits at each phase and work with certified consultants. Basically, we treat your users' money like it's our own.
How long does it take to build a fintech app?
Simple wallet or payment app — 3-4 months. Something with investment tracking, KYC verification, and multiple payment gateways — 4-6 months. A full banking platform with all compliance modules — 6-9 months. We do bi-weekly demos so you always know where things stand.
Can you integrate payment gateways like Razorpay and UPI?
Yes, we've done it many times. Razorpay, PayU, Cashfree, Paytm — we've worked with all the major ones. UPI integration via NPCI, net banking, card payments, and even Stripe for international transactions. Every integration follows PCI-DSS standards so your users' money stays safe.
Do you handle KYC and Aadhaar verification in fintech apps?
Yes, we do the whole thing. Aadhaar verification through UIDAI APIs, PAN card checks, video KYC (as RBI requires), document uploads with OCR, and liveness detection to catch fraud. Everything follows RBI's KYC guidelines and PMLA rules.
How do you handle data encryption in financial apps?
AES-256 encryption for stored data, TLS 1.3 for data moving between servers. Card details and personal info are encrypted end-to-end. We also use tokenization for payment data and follow OWASP guidelines. Database encryption and secure backups come standard on every fintech project we do.
Can your fintech apps handle high-volume real-time transactions?
That's exactly what we build for. We use microservices, message queues like Kafka, Redis caching, and auto-scaling on AWS. Our apps handle thousands of transactions at the same time with fast response times. Even during peak loads, things stay smooth.
What post-launch support do you provide for fintech apps?
You get 3 months of free bug fixes after launch. We also do 24/7 monitoring for transactions, security patches, performance tweaks, and compliance updates when regulations change. After the free period, we have maintenance plans with SLA guarantees if you want ongoing support.
Do you sign NDAs for fintech app projects?
Of course. We sign NDAs before we even get into the details of your project. Financial apps deal with sensitive stuff, so confidentiality is non-negotiable for us. It's part of how we start every fintech project.
Can you build apps that scale from startup to enterprise level?
Yes. We build with growth in mind from day one. Whether you're a startup with your first MVP or a big financial institution, the architecture we use handles hundreds to millions of users. Cloud-native tech, containers, modular code — it all grows with you.
Guides on Fintech App Development
Before you start building, these articles will help you understand costs, timelines, and the full process.
Mobile App Development Cost in India
Full cost breakdown from ₹1 Lakh to ₹50 Lakhs. What affects pricing and how to plan your budget.
How to Build Your First Mobile App
A step-by-step guide — from validating your idea to getting it live on the App Store.
App Development Timeline Guide
How long does an app really take? Realistic timelines and what slows things down.
How to Get Started with Your Fintech App
It's simple. Tell us your idea — a payment app, a digital lending platform, an investment tool, whatever it is. We'll set up a free call to understand your business, figure out what regulations apply, and talk through the technical side. Then we'll give you a timeline, a compliance roadmap, and a cost estimate. No commitment needed for the first conversation.
It helps if you know your target users, what financial products you want to offer, and whether you have (or plan to get) any regulatory licenses. But if you're not sure about the compliance stuff, that's fine. We've walked several fintech startups in Pune through the whole thing and can help you figure out what's needed. From your first idea to a live, compliant app — we'll be there for all of it.
Ready to Build Your Fintech App?
Let's talk about your fintech idea. Free consultation. Honest quote. No sales pitch — just a real conversation with our fintech developers in Pune.