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FinTech · Banking Apps

Banking Mobile App Development Services in Ahmedabad

Raqbash delivers banking mobile app development services in Ahmedabad for banks, urban co-operative banks and neobank partnerships: a customer app for Video KYC account opening, statements, IMPS, NEFT and UPI transfers, card controls and deposits, built on your core banking APIs.

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  • 4.9 rated in Ahmedabad on Google Reviews
  • In-house team in Ahmedabad
  • Last updated:
Years in business (since 2016)
10+
Clients across India
100+
Account sign-ups, Digital Banking Platform case study
+240%

Banking app at a glance

Platforms
Customer app for iOS and Android, plus branch and fraud-ops panels
Typical cost
₹15–45 lakh for most builds; ₹45 lakh+ for neobank platform
Typical timeline
14–18 weeks (Essential banking) to 9 months upwards (Neobank platform)
Compliance & security
RBI digital payment security and Video KYC practices, NPCI UPI rules, OWASP MASVS-aligned testing
Tech stack
React Native or Kotlin and Swift, Node.js or Go, API gateway to your CBS, PostgreSQL, Redis
Location
Ahmedabad, Gujarat, India. Serving clients across India and worldwide.

Overview

Banking App Development Company in Ahmedabad

A banking app is the customer's branch on a phone: account opening, balances, statements, transfers, cards and deposits, all served from the bank's core banking system. Raqbash builds them for banks, urban co-operative banks and fintechs running neobank programmes with a partner bank.

Gujarat's co-operative banks are a big part of this work. Their customers are loyal, often older and used to the branch. The app must be simpler than net banking yet meet the same RBI security expectations as any bank's mobile channel. We work alongside your IT and compliance teams on every control.

The app ecosystem

The Banking App Ecosystem We Build

One customer app sits on systems you already run, with two internal panels beside it.

  • Customer app

    For retail, senior and small-business customers.

    • Open an account by Video KYC
    • Check balances and statements
    • Transfer by IMPS, NEFT or UPI
    • Freeze cards and set limits
    • Book and close fixed deposits

  • Branch & support panel

    For branch staff and the contact centre.

    • See a customer's app status
    • Reset device binding after checks
    • Answer service requests
    • Send notices to customers

  • Fraud & risk console

    For the fraud monitoring team.

    • Watch new-device and SIM-change events
    • Hold suspicious transfers
    • Block a device or beneficiary
    • Export logs for audit

Key features

Key Features of a Banking App

These six features move the most branch visits and calls into the app.

  1. Biometric login on a bound device

    MPIN plus fingerprint or face, only on the phone bound to the customer's SIM.

  2. Accounts and statements

    Balances, mini statements and PDF statements for any date range, read from the CBS through your API gateway.

  3. Transfers by IMPS, NEFT and UPI

    A name check before sending and a cooling period your bank sets for new beneficiaries.

  4. Card controls

    Freeze, switch online, international and contactless use on or off, and set limits, without calling the branch.

  5. Video KYC account opening

    PAN and Aadhaar checks, then a live call with a bank official, with liveness and location captured as V-CIP expects.

  6. Fixed and recurring deposits

    Book, view and close FDs and RDs, with the rate read live from the bank's published rate card.

How it works

How a Customer Opens and Uses Your Banking App

Five steps take a new customer from download to first transfer, with no branch visit.

  1. Step 1

    Download and verify

    Mobile number check and SIM binding.

  2. Step 2

    Video KYC

    PAN, Aadhaar and a live call with an official.

  3. Step 3

    Set MPIN and biometrics

    Login tied to this phone only.

  4. Step 4

    Fund the account

    UPI or NEFT from another bank.

  5. Step 5

    First transfer

    Add a beneficiary, then send by IMPS.

Security & compliance

Security & Compliance for Banking Apps

A bank's app is its most attacked channel, so each security layer assumes the one before it may fail.

  • Device binding and SIM checks

    Login only on the bound phone; a SIM change or reinstall triggers re-verification.

  • Tamper and runtime protection

    Root, hooking and overlay detection, RASP and certificate pinning, tested against OWASP MASVS.

  • Mapped to RBI expectations

    Controls mapped with your CISO to RBI's digital payment security directions and its co-operative bank cyber security framework.
  • Extra authentication for high-value transfers
  • Session timeout and screenshot blocking
  • Masked account numbers in every alert
  • Audit logs exported to your SIEM

Cost & timeline

Banking App Development Cost

A banking app for balances, statements and UPI typically costs ₹15–20 lakh; full mobile banking costs ₹25–45 lakh; neobank platforms start around ₹45 lakh.

  • Essential banking

    ₹15–20 lakh

    14–18 weeks

    A co-operative bank's first app.

    • Balances and statements
    • UPI and IMPS transfers
    • Device binding and biometrics
    • Support panel
  • Most common starting point

    Full mobile banking

    ₹25–45 lakh

    6–9 months

    Banks replacing an older app.

    • Video KYC account opening
    • Card controls
    • FD and RD booking
    • Fraud console

  • Neobank platform

    ₹45 lakh+

    9 months upwards

    Fintechs running a programme with a partner bank.

    • Partner bank API layer
    • Multi-product onboarding
    • RASP and MASVS cycles
    • VAPT support

What moves the cost of a banking app

  • Core banking APIs

    An older CBS needs middleware first.

  • Security stack

    RASP licences and VAPT rounds add cost.

  • Video KYC

    V-CIP needs a vendor, officials and recording storage.

  • Approvals

    IT, audit and partner sign-offs set the launch date.

Indicative ranges from Raqbash projects in Ahmedabad, excluding store fees, cloud usage and support. Not a quote. See Mobile app development cost in Ahmedabad for how the bands are built.

Technologies & integrations

Banking App Technologies & Integrations

The app is the thin layer; the gateway in front of your core does the careful work.

Mobile

  • React Native
  • Kotlin
  • Swift
  • Native security modules

Backend & cloud

  • Node.js
  • Go
  • API gateway
  • PostgreSQL
  • Redis

Banking integrations

  • Core banking APIs
  • PSP bank UPI SDKs
  • Card management system
  • Video KYC platforms
  • CKYC providers

Why Raqbash

Why Banks Choose Raqbash

Banks choose us because we have shipped a mobile banking product and we change core systems carefully.

  • We have built digital banking

    Our digital banking platform work covers automated KYC, real-time payments and device binding.

  • Designed for older customers

    Large type, Gujarati screens and fewer steps for loyal branch customers.

  • Security agreed with your CISO

    Threat model and test plan signed off before the first sprint.

  • Gentle on a legacy core

    Middleware and caching keep an older CBS stable under app load.

Related work from our portfolio

How we deliver

How we build and launch your banking app

Banking projects follow our six steps, with your CISO's threat-model review and an external VAPT written into the plan.

  1. Step 01

    Discover & Scope

    Written scope, screen list and fixed estimate

  2. Step 02

    UX & Clickable Prototype

    Clickable prototype you can test on a phone

  3. Step 03

    Agile Build (2-week sprints)

    A working build to install every sprint

  4. Step 04

    QA, Security & Real-Device Testing

    Test report across real Android and iOS devices

  5. Step 05

    App Store & Play Store Launch

    Live store listings under your developer accounts

  6. Step 06

    Support, Analytics & Growth

    Monthly crash, usage and release report

FAQ

Banking Mobile App Development Services in Ahmedabad: FAQs

Practical answers for teams planning a banking app.

Can a co-operative bank launch its own mobile banking app?

Usually, yes, though eligibility is the bank's to confirm. RBI sets conditions for co-operative banks offering transactional mobile banking, and your board and auditors will want the controls documented. We build the app on your CBS, map its controls to RBI expectations and prepare documents for your approvals. Raqbash holds no RBI authorisation.

Which core banking systems can the app connect to?

Most systems used by Indian banks, as long as they expose APIs or accept middleware. Newer cores offer REST APIs we call through your API gateway. Older ones often need an integration layer for balances, statements and transfers. We test against your CBS sandbox during scoping, because response times decide what the app caches.

How do you protect the app on rooted or cloned phones?

With layers. The app checks for root, jailbreak, emulators, hooking tools and screen overlays, and limits or blocks use as your policy decides. Certificate pinning stops traffic interception, device binding stops cloned installs, and RASP watches the app while it runs. We test all of it on deliberately compromised devices before launch.

Can customers open an account by Video KYC?

Yes, where your bank uses V-CIP under RBI's KYC directions. The app handles PAN and Aadhaar checks, liveness, location and a live call with your trained official, with consent and recording. We integrate your chosen Video KYC vendor. Who may be onboarded this way, and on what account limits, is your compliance team's decision.

Do you build card controls like freeze and limits?

Yes. Customers can freeze and unfreeze cards, switch online, international and contactless use on or off, and set limits, in line with RBI's card security expectations. The app calls your card management system's APIs, so changes apply at the switch. Lost-card reporting and reissue requests sit on the same screen.

Who publishes the app on the App Store and Google Play?

Your bank does, under its own developer accounts. Apple expects apps in regulated fields such as banking to be submitted by the institution itself, and Google Play's financial declarations ask for the entity's details. We prepare listings, privacy labels and reviewer notes, and submit on your behalf using access you grant.

How much does a banking app cost and how long does it take?

Typically ₹15–20 lakh over 14–18 weeks for an essential app with balances, statements, UPI and device binding. Full mobile banking with Video KYC, card controls and deposits usually costs ₹25–45 lakh over 6–9 months. Neobank platforms on a partner bank start around ₹45 lakh. You get a fixed quote after a CBS review.

Start your banking app project with Raqbash

Share your core banking system, your customer base and the services you want on mobile. We will send a written scope and a fixed quote for banking mobile app development services in Ahmedabad.

Get a Free App Consultation+91 97730 66237WhatsApp us

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