India: UPI, Banking & Fintech App Integration
India runs the world's largest real-time payments ecosystem, built on the Unified Payments Interface (UPI) from the National Payments Corporation of India. Alongside UPI, the country has deep mobile-banking penetration, a fast-growing digital-lending market and a mass retail investing boom.
We provide authorized API integration and protocol analysis for India's leading finance apps. Tell us the app and the data or action you need, and we deliver runnable, documented source code.
UPI processes billions of transactions a month and has become the default rail for person-to-person and merchant payments, while account-aggregator frameworks are opening formal open-banking data flows. Whether you need to read balances and transactions, reconcile merchant settlements, or automate lending and investment data, we build the integration to fit your compliance requirements.
Popular finance apps
App roster from Google Play free finance rankings (enriched snapshots).
UPI Payments
| # | App | Developer | Rating |
|---|---|---|---|
| 1 | PhonePe UPI, Payment, Recharge | PhonePe | 4.4 |
| 3 | Navi: UPI, Payments, Insurance | Navi | 4.5 |
| 4 | Airtel: Recharge, Bank & Loans | Airtel | 4.1 |
| 5 | Paytm: Secure UPI Payments | Paytm - One97 Communications Ltd. | 4.7 |
| 6 | super.money - UPI by Flipkart | Super.money | 4.5 |
| 7 | Google Pay: Secure UPI payment | Google LLC | 4.3 |
| 9 | Bajaj Finance : UPI & Loan App | Bajaj Finance Limited | 4.8 |
| 11 | BHIM Bharat's Own Payments App | National Payments Corporation of India (NPCI) | 4.5 |
| 12 | FamApp by Trio: UPI & Card | Tri O Tech Solutions Pvt Ltd | 4.5 |
| 17 | JioFinance: For your life! | Jio Finance Platform and Service Limited | 4.5 |
| 29 | True Balance - Loan App & UPI | True Balance - Balance Hero | 4.6 |
| 32 | PhonePe Business: Merchant App | PhonePe | 4.0 |
| 33 | slice: UPI credit card & bank | slice small finance bank | 4.5 |
| 37 | Paytm for Business | Paytm - One97 Communications Ltd. | 3.9 |
| 40 | MobiKwik: Loans, UPI & Wallet | One MobiKwik Systems Limited | 4.4 |
| 46 | BharatPe: Loans & UPI Payments | Resilient Innovation Private Limited | 4.6 |
| 50 | BharatPe for Business | Resilient Innovation Private Limited | 4.9 |
Mobile Banking
| # | App | Developer | Rating |
|---|---|---|---|
| 8 | YONO SBI: Banking & Lifestyle | State Bank of India | 4.2 |
| 15 | IPPB Mobile Banking | India Post Payments Bank Ltd | 4.1 |
| 18 | Kotak Bank: 811 Mobile App | Kotak Mahindra Bank Ltd. | 4.7 |
| 23 | HDFC Bank App: Banking & Cards | HDFC BANK | 4.7 |
| 25 | PNB ONE | PNB | 4.3 |
| 30 | IndSMART IndianBank Mobile App | Indian Bank | 4.3 |
| 38 | PNB Digital Rupee | PNB | 4.0 |
| 39 | IDFC FIRST Bank: MobileBanking | IDFC FIRST Bank Ltd. | 4.9 |
| 42 | Canara ai1- Mobile Banking App | CANARA BANK | 4.4 |
| 44 | bob World:Banking & Experience | Bank of Baroda | 4.3 |
| 49 | Cent eeZ | CENTRAL BANK OF INDIA | 3.7 |
Digital Lending
| # | App | Developer | Rating |
|---|---|---|---|
| 10 | GoodScore: Credit Score App | Arthvit 1809 Tech | 4.7 |
| 13 | Moneyview: UPI, Personal Loans | Moneyview | 4.8 |
| 14 | KreditBee: Personal Loans, UPI | Finnovation Tech Solutions Pvt Ltd | 4.6 |
| 16 | 0% EMI Shopping App | Snapmint | 4.6 |
| 19 | Kissht Quick Personal Loan App | OnEMI Technology Solutions Limited. | 4.7 |
| 20 | Branch Instant Personal Loan | Branch International Financial Services Limited | 4.6 |
| 22 | mPokket: Instant Loan App | Maybright Ventures Private Limited | 4.6 |
| 26 | RING (by Kissht): Instant Loan | OnEMI Technology Solutions Limited | 4.9 |
| 28 | PayRupik Instant Personal Loan | Sayyam Investments Pvt Ltd | 4.5 |
| 34 | FatakPay: Loans & Investments | FatakPay: Personal Loan, Insurance, Credit Score | 4.6 |
| 35 | Oolka: AI Credit Score App | Oolka | 4.8 |
| 36 | Khatabook Credit Account Book | Khatabook - Business Apps | 4.5 |
| 43 | Chola One: Digital Lending App | Cholamandalam Investment & Finance Company Limited | 4.3 |
| 47 | Pocketly Instant Personal Loan | Speel Finance Company Private Limited | 4.6 |
Investing & Trading
| # | App | Developer | Rating |
|---|---|---|---|
| 21 | Groww Stock, Mutual Fund, Gold | Groww: Demat, Invest & Trade, Gold, Silver, Loans | 4.8 |
| 24 | Angel One: Stocks, Mutual Fund | Angel One - Stock Market, Demat Account & IPO | 4.4 |
| 27 | Jar:Save Money in Digital Gold | Jar App - Savings & Investments | 4.7 |
| 31 | Univest: Stocks, F&O & Invest | Univest Communication Technologies Pvt Ltd | 4.7 |
| 41 | Bachatt: Daily FD Mutual Funds | Bachatt Smart Savings (AMFI Registered) | 4.6 |
| 45 | Dhan: Share Market Trading App | RAISE FINTECH VENTURES PRIVATE LIMITED | 4.5 |
| 48 | Upstox Stocks IPO Mutual Funds | Upstox - Stock Market Trading & Demat Account App | 4.3 |
Other finance apps
| # | App | Developer | Rating |
|---|---|---|---|
| 2 | My LIC | LIFE INSURANCE CORPORATION OF INDIA | 4.7 |
Frequently asked questions
Which India apps can you integrate?
UPI apps such as PhonePe, Paytm and Google Pay; major bank apps including YONO SBI and HDFC; digital lenders like KreditBee; and investing apps such as Groww and Upstox — plus others on the country roster.
Can you work with UPI settlement and Account Aggregator data?
Yes. Typical India scopes include UPI payment/settlement reads, merchant reconciliation, balance and transaction history, and flows that align with account-aggregator style open-data use cases where authorized.
What is the usual deliverable?
Working API or protocol source code for the named app, interface documentation, and guidance to run it in your environment.
Ready to integrate a finance app?
From USD 500 per app, typically 1–2 weeks. You test a packaged API first; source code is delivered after acceptance and payment. Tell us the target app to get a quote.
Discuss your integration