India FinTech Forum 2025 to Spotlight Emerging Fintech Trends

The 10th edition of India Fin Tech Forum is set to bring key fintech tech trends driving India’s fintech transformation from the rise of Agentic AI , embedded finance to the democratization of wealth, cyber resilience, and inclusion-led innovation for Bharat. Scheduled for 10th December, 2025 at the Aurika in Mumbai, IFTA will be celebrating a decade of bringing together key fintech and banking stakeholders together and recognise upcoming companies in the ecosystem. The key speakers will include of Ashishkumar Chauhan, MD & CEO, NSE, Ashwini Kumar Tewari, MD, SBI and  Venkat N. Chalasani Chief Executive, Association of Mutual Funds in India (AMFI), Ganesh Rengaswamy, Managing Partner, Quona Capital.

Nipa Dutta, CEO, India FinTech Forum, says, “As we get ready to celebrate a decade of innovation in fintech, the key trends highlighted and the startups that are leading the disruption have shown practical innovation that serves customers, strengthening trust, and scaling with discipline. We see a balance of AI powered workflows, secure infrastructure, and inclusive models that can travel across markets.”

India Fintech Forum has released fintech trends 2026 report with key findings and fintech startups working in the segment and driving disruption. 

Agentic AI : 2025 marks a turning point for Indian fintech as Agentic AI moves from hype to deployment, transforming operations, compliance, and customer experience across BFSI. A new generation of companies is redefining automation through AI agents that act intelligently and independently across business functions:

1. AutomationEdge: Universal Agentic Automation Platform for the BFSI, focused on maximizing ROI and reducing the total cost of ownership.

2. O2V: Empowers organizations with Agentic AI for data operations, risk intelligence, and automated compliance with smarter, faster, and secure decisions.

3. OnFinance AI: Builds AI agents for the compliance, risk and audit function for the BFSI sector, with ComplianceOS and 70+ specialized investigative tools.

4. ProFinTech: Transforming finance with Gen-AI Finance Co-Pilot, an intelligent partner for smarter, faster, and autonomous decisions.

5. Finfactor: Helps financial institutions make confident wealth and lending decisions using trusted data, AI intelligence, and actionable insights.

6. TartanHQ: Powers enterprises with unified APIs and AI agents for verification, data sync, and intelligent workflows across BFSI and fintech.

7. Timble: AI-powered workflow automation tools and API technology infrastructure including solutions for onboarding, underwriting, account management, financial Intelligence, and Collection Management Solutions.

Embedded Finance: The Next Frontier of Distribution

Embedded finance continues to evolve beyond payments into lifestyle, healthcare, and travel ecosystems - driven by a generation of platforms integrating finance seamlessly into daily interactions. The following companies are building the rails that make financial experiences invisible yet indispensable:

1. OnArrival: Full-stack travel infrastructure platform that enables banks and fintechs to embed travel in less than 30 days.

2. Riskcovry: Insurtech Infrastructure Platform providing end-to-end digital infrastructure for insurance distribution.

3. SaveIN: Enables instant, no-cost EMI options for healthcare and wellness procedures across a large network of 7,000+ healthcare partners in India.

4. RocketPay: Automates credit collection using E-Nach and UPI AutoPay for Bharat merchants which helps them grow their business efficiently and effectively.

Democratization of Wealth and Alternative Assets

India’s retail and mass affluent investors are embracing new wealth paradigms - from fractional ownership to borderless investing. India’s retail and mass affluent investors are embracing WealthTech 2.0 - from fractional ownership to cross-border investing, driven by accessibility and transparency. The platforms below are redefining wealth creation through fractional ownership, borderless investing, and tech-enabled distribution:

1. Altcase: Private-market investment platform for investors to discover, evaluate, and invest in high-growth unlisted and pre-IPO companies.

2. RealX: Blockchain enabled marketplace for fractional ownership of Properties and other assets, with legally enforceable direct rights over property.

3. Rupeeflo: Empowers global investors to track, manage and grow their global wealth seamlessly, enabling smarter investing and financial control in India.

4. AssetPlus: Platform for MFDs, empowering 17,000+ distributors with smart, tech-driven tools for efficient and scalable wealth management.

5. StockGro: Stock advisory platform with 150+ SEBI-registered RIAs and AI tools to power smarter, faster investment decisions.

6. Volt: Platform offering instant loans against mutual funds and shares, making credit accessible to every Indian in a few clicks.

7. Angel One: Retail full-service broking house, with a suite of services including online trading and investing, and equipped with advanced tools to help investors navigate capital markets.

Risk, Compliance, and Cyber Resilience Reimagined

As digital financial activity accelerates, fintechs are embedding resilience and proactive compliance into their DNA. The new generation of platforms treats risk management not as an obligation but as a strategic advantage. The following innovators are embedding advanced AI, analytics, and automation into the very fabric of financial safety:

1. Drona Pay: Delivers risk and compliance solutions against emerging threats by leveraging Rules, ML Models and AI Agents in real time.

2. Tutelar: AI-powered unified risk and compliance platform helping fintechs and banks fight financial crime and ensure real-time compliance.

3. Mitigata: Full-stack cyber resilience company, combining cyber insurance, security, compliance, and defence under one AI-powered platform.

4. Fyno: Intelligent communications hub purpose-built for BFSI enterprises to take control of their customer communications stack and stay compliant.

Fintech for Bharat: Empowering Inclusion and Entrepreneurship

India’s most impactful fintech revolution is unfolding at the grassroots - driving inclusion, entrepreneurship, and empowerment through accessible digital solutions. The companies below are empowering individuals, MSMEs, and communities through accessible digital finance:

1. Eko Bharat: Empowering women entrepreneurs and accelerating the growth of India’s micro-entrepreneurs to drive Viksit Bharat.

2. FamApp: Payments app that provides UPI and card payments for everyone (ages 11+) through their FamX wallet, or directly through their bank account.

3. Navanc: AI startup poised to revolutionize property-backed lending in India.

4. Sahi: High-Performance Trading with pro-grade charts, AI insights, and full custom control - built for sharper execution.

5. Verto: Cross-border payment solution company that provides tools for collections, payouts and foreign exchange to startups, scaleups and enterprises.