Fintech App Development Company in Pune
Need a financial app that works and stays compliant? We're a fintech 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, and Pune sits right at the center of that boom. A UPI payment app, a wealth management tool, a full neobanking solution: our Pune team knows PCI-DSS compliance, RBI guidelines, and secure architecture cold. We turn your fintech idea into something people trust with their money.
Why Pune Businesses Choose Us for Fintech App Development
Fintech is one area where you can't hire just any dev team. You need people who understand the tech and the regulations equally well. 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. One recent build is StockGenie, an AI stock analysis app for NSE-listed companies that's live on Google Play.
Being in Pune puts us right in the middle of India's growing fintech scene. Need UPI integration for a payment app, or full RBI compliance for a digital lending platform? We can sit across the table from you, work through your compliance headaches, and give you real support instead of just tickets and emails. Our clients stick with us because we hit deadlines, talk straight, and never take shortcuts on security. Teams around Magarpatta City and Hinjewadi tend to want a working product in front of a regulator quickly, which is usually an MVP rather than the finished platform.
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
Our Pune team has shipped fintech apps for more than a decade. 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. Each project taught us something new about what makes a financial app work, both for the regulators reviewing it and the people using it.
Most teams treat PCI-DSS or RBI compliance as a last-minute checkbox. We bake it into the build from sprint one. We track changing financial regulations so your app doesn't fall behind, and we've helped clients work through payment aggregator licensing, NBFC tech requirements, and the gaps in between. Our app maintenance services then keep your fintech platform compliant long after launch.
Being in Pune is a real advantage here. We're plugged into the local ecosystem of banks, NBFCs, and fintech startups, which gives us practical know-how that teams in other cities don't have. 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. Our fintech app developers in Pune write to RBI guidelines from the first sprint instead of retrofitting compliance before launch, which is where most of the delay in this sector actually comes from.
Fintech App Development Services
Digital wallets, payment apps, banking platforms, investment tools. Here's what we can build for you. Most of these ship to both stores at once through cross-platform development, since a payment flow rarely needs anything platform specific.
Digital Wallets & UPI Apps
We build digital wallet and UPI payment apps that process transactions in real time. QR code payments, bank account linking, and money transfers, all fast and secure.
Investment & Trading Platforms
Stock trading apps, mutual fund platforms, and 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 with 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. Where biometric login and secure enclave work matter most we build natively on iOS, and Android leads where reach across price points decides the product.
React Native
One codebase, with native modules where security demands
Flutter
Where the dashboard interface is the differentiator
Node.js
APIs and ledger logic behind the app
PostgreSQL
Transactional integrity where money is involved
Redis
Rate limiting, sessions and OTP throttling
Razorpay
UPI, cards and payouts under RBI rules
Stripe
For international payments alongside Razorpay
GitHub
Audited commit history in a repository your compliance team can read
Security & Compliance Standards
People trust your app with their money. Here's how we make sure that trust is well-placed. The table below is the version we walk clients through on the first call, and the same approach drives our contract and security checklist.
| Requirement | What it covers | When it applies to you |
|---|---|---|
| RBI guidelines | Payment system rules, digital lending norms, KYC verification standards | Any payment, wallet or lending product operating in India |
| PCI-DSS | Card data handling, tokenisation, secure payment processing | Only if raw card data reaches your servers. Tokenising through the gateway keeps most apps out of scope |
| eKYC and video KYC | Aadhaar verification, PAN checks, liveness detection, document OCR | Any product that onboards a customer to a financial account |
| Encryption | AES-256 at rest, TLS 1.3 in transit, certificate pinning on the client | Always, from the first sprint rather than before launch |
| Two-factor authentication | OTP, biometric and device verification on sensitive actions | Any flow that moves money or changes payout details |
| Audit trails | Tamper-evident log of every transaction and user action | Any regulated product, and the first thing an auditor asks for |
| Penetration testing | Vulnerability scans, OWASP tests, third-party audit | Before launch, then on a schedule once you are live |
The PCI-DSS row is the one that saves people the most money and the one most often got wrong. If card numbers never touch your servers, and with a modern gateway they do not need to, your scope shrinks to a short self-assessment instead of a full audit. We design for that from the start. The same instinct applies to the compliance work on our healthcare app development side, where the question is also which rules you can architect your way out of.
Fintech App Development Process
Every phase has compliance checkpoints and your sign-off before we move on. 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 built in: encryption, secure APIs, and proper data handling from the first commit.
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
The three tiers side by side
| Basic Fintech App | Advanced Financial App | Enterprise Platform | |
|---|---|---|---|
| Cost | ₹5 to 10 lakhs | ₹10 to 20 lakhs | ₹20 to 40+ lakhs |
| Timeline | 3 to 4 months | 4 to 6 months | 6 to 9 months |
| Payments | UPI and card payments | Multiple payment gateways | Complete banking features |
| KYC | Basic KYC verification | Full eKYC with Aadhaar | Regulatory compliance suite |
| Dashboards | Transaction history | Portfolio or loan dashboard, admin panel and analytics | Fraud detection and monitoring |
| Architecture | Single service | Service plus admin backend | Microservices built to scale |
| Good for | A first payment or wallet product | A working lending or investment product | Banks, NBFCs and funded fintechs |
* 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, With 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. The wider portfolio covers the work outside finance, and our fintech cost breakdown explains how much of a budget compliance actually consumes.
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. The same payment rails power checkout in our on-demand service apps too.
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%. We bring the same lending flows to real estate apps for home loan and EMI calculators.
Other App Development Services in Pune
Need something beyond fintech? We build apps across all major platforms and industries. Lenders and NBFCs bring their compliance problems to us as a fintech app development company Pune finance teams can hold accountable, and our fintech cost breakdown shows how much of a budget those requirements consume.
iOS App Development
iPhone and iPad apps built with Swift and SwiftUI for the App Store.
Flutter App Development
Secure fintech apps from a single Dart codebase for both platforms.
Android App Development
Native Android banking and payment apps for the Play Store.
App Maintenance & Support
Bug fixes, updates, security patches, and keeping things running smooth.
Mobile App UI/UX Design
Fintech app designs that build trust and make complex flows simple.
A fintech product is rarely one app. There is usually a customer app, an operations console behind it, and the maintenance contract that keeps both current as RBI circulars land. The other place we do heavily regulated work is healthcare app development, and the engineering discipline transfers almost directly.
Fintech App Development FAQs
Cost, compliance and timelines
How much does fintech app development cost in Pune?
A simple digital wallet or UPI payment app runs about ₹5-10 lakhs. Add investment features, KYC verification, or multiple payment gateways and you're at ₹10-20 lakhs. A full-scale banking app with every compliance module costs ₹20-40 lakhs or more. Once we know what you actually need, we'll give you a real estimate.
How do you ensure security and compliance in fintech apps?
Security goes in at the start, never bolted on at the end. We follow PCI-DSS standards for anything payment-related, stick to RBI guidelines, encrypt with AES-256, and run penetration tests before launch. Each phase gets a security audit, and we bring in certified consultants when a project needs them. We treat your users' money the way we'd want ours treated.
How long does it take to build a fintech app?
A simple wallet or payment app takes 3-4 months. Add investment tracking, KYC verification, and multiple payment gateways and you're at 4-6 months. A full banking platform with every compliance module runs 6-9 months. We demo working builds every two weeks, so you always know where things stand.
Can you integrate payment gateways like Razorpay and UPI?
Yes, we've done it many times. We've worked with Razorpay, PayU, Cashfree, and Paytm. We handle UPI integration via NPCI, net banking, card payments, and 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.
The rest come up once the build is under way. Payment integration and fraud handling are where fintech timelines actually slip, because a gateway sandbox behaves differently from production and you only find out late. Our development timeline guide shows where that testing sits.
Payments, security and scale
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. The same architecture serves a startup launching its first MVP and a financial institution running millions of users. Cloud-native tech, containers, and modular code mean your app scales up as your user base does.
What does fintech app development in Pune involve?
Our fintech app development services in Pune cover digital wallets, UPI and payment gateway integration, KYC and video KYC flows, lending and EMI journeys, and investment dashboards. Security is the bulk of the work: encryption at rest and in transit, certificate pinning, fraud checks, audit trails, and a PCI-DSS compliant path wherever card data is touched.
Guides on Fintech App Development
Before you start building, these articles will help you understand costs, timelines, and the full process. If you are comparing cities on price, the Pune against Mumbai and Bangalore comparison has the numbers.
Mobile App Development Cost in India
Full cost breakdown from ₹1 Lakh to ₹50 Lakhs. What affects pricing and how to plan your fintech budget.
How to Choose an App Development Company
What to look for in a development partner, which matters even more for fintech where security and compliance are on the line.
Complete App Development Process
Our 5-step process from discovery to launch, with the quality gates fintech projects need at every stage.
Fintech App Development Cost in India
What a UPI wallet, lending app, or neobank really costs to build in India, with feature-wise pricing.
How to Get Started with Your Fintech App
Tell us your idea, whether it's a payment app, a digital lending platform, or an investment tool. We'll set up a free call to understand your business, figure out which regulations apply, and talk through the technical side. Then you get a timeline, a compliance roadmap, and a cost estimate. The first conversation comes with no commitment.
It helps if you know your target users, the financial products you want to offer, and whether you hold (or plan to get) any regulatory licenses. Not sure about the compliance side? That's fine. We've walked several fintech startups in Pune through it and can help you map out what's needed. From your first idea to a live, compliant app, we stay with you the whole way. If you are still choosing a partner rather than a scope, how to choose an app development company lists the questions worth asking, and our story covers how we ended up in regulated work.
Ready to Build Your Fintech App?
Let's talk about your fintech idea. Free consultation, honest quote, and no sales pitch. Just a real conversation with our fintech developers in Pune.