UPI | Lending | Insurance | Trading

Fintech App Development Company in India

We build production-grade fintech apps — UPI payment platforms, lending systems, insurance tech, stock trading apps, and digital wallets. RBI-compliant architecture, SEBI/IRDAI-aware workflows, and bank-grade security from day one.

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110+Products

4.7★Google

70+Flutter Apps

76+Reviews

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Team backed by NITians & IITians · Offices in Bengaluru, Noida & Modinagar · Pvt Ltd Company

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We'll discuss your project and share a free estimate. No spam, ever.

📞 +91 82185 94120 💬 WhatsApp

“we personally review every enquiry” — Xenotix Sales Team

110+

Products Shipped

50+

Brands Served

Years in Business

4.7★

Google Rating

76+

Client Reviews

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Client Review

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SNS Gyan Review

Ready to build something real?

Tell us what you're working on. We'll handle the legal, tech, and marketing — you focus on the vision.

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HR Software Review

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HR Software

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SNS Gyan

Team Backed by NITians & IITians

Our engineering team includes alumni from India's premier institutions — building production-grade apps with the rigor and depth these programs instill.

NIT Alumni

National Institute of Technology

IIT Alumni

Indian Institute of Technology

5+ Years

Building Production Apps

110+ Products

Shipped to App & Play Store

Inside our office — real team, real work

Engineers coding together at Xenotix Labs

Team designing Cricket Winner app in Figma

🏢Registered Pvt Ltd Company

📍Office in Noida, Sector 62

🇮🇳Proudly Indian

⭐4.7★ Google Rating

Every business needs

Three things to generate revenue.

Legal

Company Registration

Startup India DPIIT · Pvt Ltd / LLP · Seed Funding

Next.jsKafka

PostgreSQLLoad Balancer

RabbitMQ

Tech

Apps handling millions of users.

Flutter · Next.js · Kafka · PostgreSQL · AWS

Marketing

UGC & Brand Campaigns

Creator Reels · Social Media · Paid Ads · Content

Our Services

What We Build

End-to-end development services tailored for your business

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UPI & Payment Gateway Integration

Razorpay, PayU, Cashfree, PhonePe, and direct UPI integration. PCI-DSS compliant payment flows for mobile and web apps.

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Lending & NBFC Platforms

Loan origination systems, credit scoring with bureau integration (CIBIL/Experian), EMI calculators, and collection management dashboards.

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Stock Trading & Investment Apps

Real-time market data feeds, portfolio management, SIP calculators, mutual fund platforms, and broker API integrations (Zerodha Kite, Angel Broking).

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Insurance Tech (InsurTech)

Policy management, claims processing, agent portals, and IRDAI-compliant document workflows. We built ClaimsMitra — a full insurance inspection platform.

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Digital Wallets & Neobanking

KYC-verified wallets, peer-to-peer transfers, virtual cards, expense tracking, and prepaid instrument (PPI) compliance architecture.

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Security & Compliance

AES-256 encryption, OAuth 2.0 + JWT auth, VAPT-ready codebase, RBI data localisation compliance, and SEBI/IRDAI regulatory awareness built into every fintech product.

Our Expertise

We Build For Every Industry

From startups to enterprises, we craft digital solutions tailored to your sector.

EdTech

Learning platforms & course apps

Healthcare

Fitness & wellness solutions

Supply Chain

Logistics & inventory systems

Food & Delivery

Restaurant & delivery apps

Beauty & Wellness

E-commerce & booking platforms

Productivity

Task & project management

View All Projects

Designed in

Figma

How We Work

Our Process

Discovery & Strategy

We understand your business goals, target audience, and technical requirements to create a solid foundation.

Design & Prototyping

Our designers craft pixel-perfect interfaces in Figma, ensuring every interaction feels intuitive and premium.

Development & Testing

Clean, scalable code with rigorous testing to ensure your product performs flawlessly across all devices.

Launch & Support

We handle deployment, monitoring, and provide ongoing support to keep your product running smoothly.

Tech Stack

Technologies We Work With

FlutterReact NativeNode.jsPythonPostgreSQLRedisAWSRazorpayCashfree

See Xenotix Labs in Action

Know Us Better. Watch Our Story.

From our portfolio to our process — hear it straight from the team in Hindi and English. Real people, real work, no fluff.

Hindi

About Xenotix Labs — Hindi

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English

About Xenotix Labs — English

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The team behind the work

Want to see what we've built? Check out our work.

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Real Data

How Much User Traffic We Are Handling Right Now?

On our clients' apps and sites — real numbers, real dashboards, zero fluff.

Google Search Console — 2M clicks, 108M impressions, 30% CTR

Cloudflare Analytics — 24.65M unique visitors in 30 days

Cloudflare HTTP Traffic — 437K requests, 113.91K visits/day

Global traffic from 154 countries — India, US, Singapore, China

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0M+

Total Clicks

Google Search Console · 3 months

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0M+

Total Impressions

Google Search Console · 3 months

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0.00M

Unique Visitors

Cloudflare Analytics · 30 days

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0.00K

Daily Visits

Cloudflare · 24 hours

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0K+

Requests Served

Cloudflare · 24 hours

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Countries Reached

Global traffic distribution

Google Search Console verifiedCloudflare Analytics30% average CTR154 countries served99.9% uptime

Hear directly from clients

What Directors Say

About Our Team.

Video reviews, WhatsApp screenshots, and written testimonials — straight from founders who built with us.

Read Client Reviews

Xenotix Labs team — 110+ shipped products, client reviews

Common Questions

Frequently Asked Questions

How much does fintech app development cost in India?

Fintech app development in India costs ₹15-60 lakhs ($18,000-$75,000) depending on complexity. A basic UPI payment app costs ₹15-25 lakhs. A full lending platform with credit bureau integration costs ₹30-50 lakhs. A trading app with real-time data feeds costs ₹40-60 lakhs. Contact us for a detailed estimate.

Do you build RBI-compliant fintech apps?

Yes. We architect fintech apps with RBI data localisation requirements, PCI-DSS compliance for payment data, and SEBI/IRDAI regulatory awareness. We don't provide legal compliance certification (you need a CA/CS for that), but our architecture is built to pass compliance audits.

Can you integrate UPI payments in my app?

Yes. We integrate UPI via Razorpay, Cashfree, PayU, PhonePe SDK, or direct NPCI APIs. We handle payment flow UI, webhook processing, reconciliation, and refund management. Our SNS Gyan app processes thousands of UPI transactions daily.

What fintech apps has Xenotix Labs built?

We've built: SNS Gyan (stock market app with real-time data, 8K+ reviews), ClaimsMitra (insurance inspection platform, 114+ API endpoints), Cricket Winner (in-app wallet + payment processing), and multiple lending/NBFC platforms. All are live in production.

How long does it take to build a fintech app?

A basic fintech MVP takes 8-12 weeks. A full lending platform or trading app takes 4-7 months. Insurance tech platforms with complex workflows take 5-9 months. We ship incrementally — your core product goes live first, then we add features in sprints.

Do you handle KYC integration for fintech apps?

Yes. We integrate Aadhaar e-KYC (via DigiLocker/UIDAI), PAN verification, CIBIL/Experian credit checks, video KYC, and OCR-based document verification. We've built full KYC flows for lending and wallet applications.

Start Your Project

Let's Build Something Exceptional Together

From concept to launch, we craft digital products that drive real business results.

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