India-focused fintech software development
SubhSync Technologies is a fintech software development company in India that builds production-grade trading, broking, lending, neobank, wealth-management and insurtech platforms. We bring deep India-specific expertise — Zerodha/Upstox/Angel One APIs, UPI, Razorpay, Account Aggregator, Karza KYC, NPCI rails, SEBI/RBI workflows — combined with modern, secure, scalable engineering.
Whether you're an SEBI-registered broker building a trading dashboard, an NBFC building a digital lending stack, an RIA building wealth-management software, or a startup launching a neobank, we have the integrations and patterns ready.
Fintech products we build
1. Trading platforms & broker dashboards
- Web and mobile trading apps with live market data (NSE/BSE/MCX).
- Order placement (market, limit, SL, SL-M, GTT, basket, cover, bracket).
- Real-time P&L, positions, holdings, margin and risk dashboards.
- TradingView charts integration with custom indicators and drawing tools.
- Strategy backtesting on tick / minute / daily data.
- Algo-trading and signal-execution engines (Pine Script / Python strategies).
- Paper-trading and demo accounts for new-user onboarding.
2. Broker API integrations
- Zerodha Kite Connect — full WebSocket + REST integration, TOTP login automation, postback handling.
- Upstox API v2 — order, market data, historical candles, holdings.
- Angel One SmartAPI — including SmartConnect WebSocket and option-chain.
- Fyers, Dhan, IIFL, Alice Blue, Finvasia (Shoonya), 5paisa.
- Multi-broker aggregation: one dashboard, multiple broker accounts per user.
3. Mutual fund & wealth management platforms
- BSE Star MF and NSE NMF II integration for direct/regular mutual fund transactions.
- SIP, lump-sum, switch, redemption, STP and SWP workflows.
- Goal-based investing engine with risk profiling and asset-allocation.
- Portfolio analytics: XIRR, CAGR, drawdown, sector exposure, tax statements.
- Family and minor accounts, CAS upload and parsing (CAMS / Karvy / NSDL CAS).
- Advisor / IFA / RIA white-label dashboards with client management.
4. Lending, BNPL & NBFC platforms
- Loan origination system (LOS): application → KYC → underwriting → disbursement.
- Loan management system (LMS): EMI scheduling, collections, NPA tracking, foreclosure.
- Credit decisioning with bureau pulls (CIBIL, Experian, Equifax, CRIF Highmark).
- Bank statement analysis (Perfios, Finbox, FRR), GST analysis (Karza, Decentro).
- Account Aggregator integration (Sahamati framework: Setu, Finvu, OneMoney).
- eNACH / eMandate setup and EMI auto-debit.
- Co-lending workflows and DSA / partner portals.
5. Neobanks & payments
- Virtual accounts, UPI ID issuance, payouts and reconciliation.
- Card issuance (M2P, RuPay), expense management, corporate cards.
- Bill payments, recharges, FASTag (BBPS integration).
- Forex / cross-border payments via Wise, Western Union, banking partners.
- Smart payment links, subscription billing, escrow flows.
6. Insurtech platforms
- POSP / agent dashboards integrated with insurance aggregator APIs.
- Quote → buy → policy issuance flows for term, health, motor and travel.
- Claims-management workflows with document upload and tracking.
- Renewal reminders, policy library, family floater management.
7. Crypto & Web3 (where regulation permits)
- Wallet integration (MetaMask, WalletConnect, Phantom).
- Exchange integrations (Binance, Coinbase, WazirX) for portfolio tracking.
- NFT marketplaces, on-chain analytics, DAO tooling.
- Note: We follow Indian regulatory guidance — we do not build products that violate RBI or SEBI directives.
Security & compliance posture
- AES-256 at rest, TLS 1.3 in transit, HSTS, CSP, secure cookies.
- HSM/KMS-backed key management (AWS KMS, GCP KMS).
- Secrets in vaults — never in code or env files committed to git.
- OWASP Top 10 mitigations baked in (parameterized queries, CSRF, rate limits, input validation).
- Immutable audit logs for every order, login, role change, withdrawal.
- MFA mandatory for admin and high-privilege accounts.
- Quarterly security reviews and dependency CVE scans.
- Data-localisation friendly deployment (AWS Mumbai, GCP Mumbai, Azure Pune).
- Pen-test / VAPT support — we coordinate with your auditor.
Fintech tech stack
- Backend: Node.js (NestJS, Fastify), Python (FastAPI), Go for high-throughput services.
- Realtime: WebSockets, Server-Sent Events, Redis Pub/Sub, Kafka for tick ingestion.
- Databases: PostgreSQL with TimescaleDB for tick / candle data, Redis, ClickHouse for analytics.
- Frontend: React + Next.js, React Native / Flutter for mobile, TradingView charting library.
- Infra: AWS Mumbai region, multi-AZ RDS, ECS Fargate / EKS, CloudFront, WAF.
Fintech development pricing in India
| Project type | Timeline | Starting price (INR) |
|---|---|---|
| Trading dashboard (1 broker, web) | 4–6 weeks | ₹3,00,000 |
| Multi-broker platform with algo-trading | 10–14 weeks | ₹8,00,000 |
| Mutual fund platform (BSE Star MF) | 10–14 weeks | ₹7,00,000 |
| Digital lending MVP (KYC + LOS + LMS) | 14–20 weeks | ₹10,00,000 |
| Neobank MVP (virtual accounts, UPI, payouts) | 12–16 weeks | ₹9,00,000 |
| Fintech retainer (monitoring + maintenance) | Monthly | ₹50,000 / month |
Talk to a fintech engineer, not a salesperson
The first call is with the actual engineering lead who will work on your project. Bring your trickiest integration question — we'll answer it on the call.
Book a discovery call +91 94387 47340
Frequently asked questions
Do you have experience integrating Indian broker APIs?
Yes. We have shipped production integrations with Zerodha Kite Connect, Upstox, Angel One SmartAPI, Fyers, Dhan, IIFL, Alice Blue and Finvasia (Shoonya). We handle order placement, position tracking, historical and live market data, and TOTP-based session refresh.
Can you build SEBI-compliant fintech products?
We build software that supports your SEBI/RBI compliance posture — audit logs, immutable order trails, KYC workflows, role-based segregation of duties, encryption at rest and in transit, and data-localisation deployment. Final compliance certification is your responsibility, but we structure the platform so audits are smooth.
Which payment gateways do you work with?
Razorpay, Cashfree, PhonePe Business, Paytm, BillDesk, CCAvenue, Easebuzz and direct UPI integrations via Setu, Decentro and M2P. For global payments: Stripe, PayPal, Wise.
Can you integrate KYC and account aggregator stacks?
Yes. We integrate Karza, Digio, IDfy, Hyperverge, Signzy and HV-Digital for video KYC, PAN, Aadhaar (offline XML), bank statement analysis and account aggregator (Sahamati / Setu / Finvu) flows.
How much does a fintech MVP cost in India?
Trading dashboards start at ₹3,00,000. Full broking-style platforms with order management, P&L and 2 broker integrations: ₹8,00,000–₹15,00,000. Lending/NBFC platforms with KYC, underwriting and disbursement: ₹10,00,000+.
Do you handle high-frequency / algo-trading systems?
We build retail-grade algo-trading and signal-execution systems (10–100 orders per second per user). For true low-latency HFT (sub-millisecond co-located systems), we recommend specialists — but we have built strategy backtesting, paper-trading and signal automation platforms running on Node.js, Python (asyncio) and Go.
What about data security and audit?
Encrypted databases (AES-256 at rest, TLS 1.3 in transit), HSM/KMS for key management, secrets in AWS Secrets Manager / Vault, full audit trails for every state change, IP allowlisting, MFA mandatory for admin accounts, and quarterly security reviews.
Can you maintain the system after launch?
Yes. Fintech systems are operational, not project-based — we offer 24×7 / business-hours retainers starting ₹50,000/month covering uptime monitoring, broker-API breakage fixes, regulatory updates and incident response.