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One of the fastest-growing FinTech markets globally, India ranks the highest in the FinTech adaptation rate amounting to 87%, which is significantly higher than the global average rate of 64%.

The Indian Fintech market is presently estimated at 31 billion dollars and is predicted to expand at a CAGR of 22% to 84 billion dollars by 2025. At a CAGR of 20%, the value of Fintech transactions is expected to increase from US$ 66 billion in 2019 to US$ 138 billion in 2023.

As of May 2021, 224 banks had signed up for India's United Payments Interface (UPI), which had recorded 2.6 billion transactions worth $68 billion, a 15x increase over the same period in 2018. The mobile wallet market in India is expected to develop at a CAGR of 150 percent to reach US$ 4.4 billion by 2022, with mobile wallet transactions going Rs. 32 trillion (USD$ 492.6 billion) within the same period.

The rapid growth of Indian FinTech markets can be attributed to the following:

  • Government initiatives like UPI and Digital India.
  • Growing disposable income.
  • Identity formalization through Aadhar saw 1.2 billion enrollments.
  • Increased smartphone diffusion.
  • Increased level of banking penetration via the Jan Dhan Yojna.
  • Wide middle-class expansion.
  • 2 %

    CAGR of Fintech market size in 2025

  • 10 %

    Growth in the number of deals from 2019-2020 H1 compared to 2018

  • 50 %

    CAGR in growth in digital payments transactions from FY18-20

  • 29 %

    Highest expected RoI on Fintech projects globally

  • 1

    Highest FinTech adoption rate globally

  • 2

    More than $10 Billion in funding from in the last 5 years

  • 3

    3rd largest FinTech ecosystem globally

  • The Indian FinTech industry consists of 4 major segments- WealthTech, Payments, Lending, and InsureTech. There are four Wealth and Broking FinTechs, five InsurTechs, and eight SaaS FinTechs among India's 50+ FinTechs with a valuation of more than $100 million.
  • The WealthTech Industry in India has witnessed rapid growth thanks to growing personal wealth, increased penetration of mobiles and digital channels, and reduced unevenness of information between small & large financial institutions and investors.
  • While the Payments and Alternative Finance segments accounted for more than 90% of the sector's investment flows in 2015, there has been a significant shift in investment distribution across industries since then. FinTech SaaS and InsurTechs received total assets of $145 million and $215 million in 2020, respectively, marking a 4-5X increase over their funding flow in 2015.
  • In terms of digital payments, India has made significant progress. India's first real-time payment systems' IMPS' was introduced in 2010, and UPI was introduced in 2016. Currently, there are 375 Payment startups in the country, out of which 50% of startups are digital wallets, gateways, mobile POS sub-segments.
  • With over 15 Neo-banks now operating in India, several of which are in development or beta stages, India is emerging as a crucial area for growth in the space. Several private banks have partnered with Fintechs to seek synergies and improved service delivery methods, and the segment has been gradually developing.
  • Jan Dhan - Aadhar - Mobile

    JAM Trinity enabled Govt. to make direct transfers of INR 740 bn
  • India stack

    Open API platforms i.e. Aadhar, UPI, Bharat Bill Payments, GSTN
  • Favourable Govt. initiatives

    Digital India, National Payments Council, tax benefits on surcharges etc.
  • Blockchain

    Blockchain market in India is expected to grow at a CAGR of 37% till 2024
  • Start-up India

    GoI's flagship initiative to build strong start-up ecosystem in India
  • Aadhar

    Biometric identification database - more than 1.2 bn citizens enrolled
  • New business models

    Implementation of new business models driven by technologies such as Artificial Intelligence and Machine Learning
  • February 2021- The Reserve Bank of India (RBI) has approved the Piramal Group's acquisition of Dewan Housing Finance Corporation (DHFL) for Rs. 34,250 crores (US$ 4.7 billion).
  • January 2021- Sundaram Asset Management Company has bought Principal Asset Management for Rs. 338.53 crores (US$ 46.78 million).
  • November 2020- LIC launched ANANDA, a digital application, to complete proposals more quickly.

  • In FY21, India received the highest-ever total foreign direct investment (FDI) inflow of $81.72 billion, up 10% from 2019-20.
  • 100% FDI allowed under automatic route.
  • It is expected that the digital payments market will reach $1 trillion by 2023.

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