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BFSI

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.

24.57 %

CAGR of Fintech market size in 2025
25 %

Growth in the number of deals from 2021 H1 as compared to 2018 H1
37 %

CAGR in growth in digital payments transactions from FY19-21
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.