Skip to content
RaqbashTechnologies

FinTech · Mobile Apps

FinTech Mobile App Development Services in Ahmedabad

Raqbash Technologies provides fintech mobile app development services in Ahmedabad for NBFCs, lenders, payment firms, wealth platforms, insurers and co-operative banks: iOS and Android apps for payments, loans, accounts and investing, hardened with device binding and shaped with your compliance team.

Get a Free App ConsultationSee FinTech App Work
  • 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+
Average client rating
4.9/5
Account sign-ups, Digital Banking Platform case study
+240%

Trusted partners

Clients we worked with

From global enterprises to fast-growing startups, brands across the world trust Raqbash to build and scale their digital products.

Overview

FinTech App Development Company in Ahmedabad

Raqbash is a fintech app development company in Ahmedabad that builds iOS, Android and cross-platform apps for NBFCs, lenders, payment firms, wealth platforms, insurers and banks, designing customer, staff and ops apps as one product.

Gujarat gives us a varied brief: co-operative banks with older customers, SME lenders serving Vatva and Sanand GIDC units, and GIFT City IFSC fintechs regulated by IFSCA rather than RBI. We hold no licence; we build apps your compliance team can sign off.

At a glance

Platforms
iOS, Android and cross-platform apps, plus web ops and credit panels
Typical cost
₹9–45 lakh for most builds; ₹45 lakh+ for enterprise
Typical timeline
12–18 weeks (MVP) to 9 months upwards (Enterprise)
Compliance & security
RBI digital lending and KYC, NPCI UPI and DPDP Act 2023 practices; OWASP MASVS-aligned testing; small PCI DSS scope
Tech stack
React Native, Flutter, Kotlin, Swift, Node.js, Go, PostgreSQL, AWS India region
Location
Ahmedabad, Gujarat, India. Serving clients across India and worldwide.

What we build

FinTech Apps We Build

We build six kinds of fintech apps, from a merchant collection app to a mobile bank.

  • Payment and UPI apps

    UPI, QR, bills and wallets, run through your sponsor bank or payment partner.

  • Lending apps

    Borrower apps with KYC, bureau checks, Key Fact Statements and e-mandates.

  • Banking apps

    Mobile banking for banks, co-operative banks and neobank partners.

  • Trading and investment apps

    Orders through a registered broker, or mutual fund and SIP apps.

  • Insurance apps

    Quotes, renewals and photo-led claims for insurers, brokers and agents.

  • Personal finance apps

    Spend tracking, budgets and goals on consented Account Aggregator data.

Must-have features

Must-Have Features in a FinTech App

Six features decide whether customers trust a fintech app with their money.

  1. Onboarding that survives KYC

    CKYC, DigiLocker and Video KYC in one flow that saves progress.

  2. UPI built the way NPCI expects

    SIM-based device binding, UPI PIN entry through NPCI's common library, and clear pending states, so nobody pays twice.

  3. Disclosures at the step they matter

    A Key Fact Statement before a loan is signed, a risk warning before a first F&O trade, each acceptance logged.

  4. Account Aggregator consent, not PDF uploads

    Statements arrive through Account Aggregator, with purpose and expiry shown before approval.

  5. Fraud and tamper defences

    Root checks, pinning, runtime protection and new-device alerts.

  6. Servicing that cuts call-centre load

    EMI, SIP and renewal alerts that open the right screen, with nothing sensitive shown.

Native vs cross-platform vs PWA

Native vs Cross-Platform vs PWA for FinTech Apps

For most fintech apps, cross-platform with native security modules is right; native suits active traders.

Native, cross-platform and PWA compared for fintech apps.
FactorNative (Swift, Kotlin)Cross-platform (Flutter, React Native)PWA (web app)
PerformanceFastest for tick-by-tick charts.Near-native for payments and loans.Fine for forms; weak for live prices.
Device accessFull, including SIM binding.Full, through native modules.No SIM binding, so no UPI PIN flow.
CostHighest: two codebases.Lower: one codebase.Lowest, but no store listing.
Time to marketSlowest.Faster; one release train.Fastest.
Offline useCached statements only.The same, encrypted.Minimal.
Best forActive-trader terminals.Lending, payment and banking apps.Calculators and help pages.

Our recommendation: Choose cross-platform, with native modules for SIM binding, tamper checks and KYC cameras. Go fully native only for active-trader charts or when a bank's policy insists.

Security, compliance & store readiness

Security, Compliance & App Store Readiness for FinTech Apps

We build fintech apps to OWASP MASVS practices and work alongside your compliance team on RBI, SEBI, IRDAI and DPDP Act requirements. We hold no licence and certify nothing.

Hardened on the phone

Pinning, root and jailbreak detection, runtime protection, and keys in Keystore or Keychain.

Card data kept out of scope

Gateway SDKs send card numbers straight to the processor and saved cards are tokens, keeping PCI DSS scope small.

Consent and minimal data

DPDP Act 2023 notice and consent, no needless phone permissions, and every consent timestamped.

Store policy readiness

Apple expects the regulated entity to submit. Google Play wants financial declarations, more for India loan apps.
  • Device binding to the registered SIM and phone
  • Biometric login with MPIN fallback
  • MASVS-aligned testing each release
  • Audit logs for money and consent
  • No OTPs in notifications or logs
  • Fixes retested after your VAPT

Why Raqbash

Why Financial Firms Choose Raqbash for Their App

Financial firms pick us because we have shipped banking and finance apps, with compliance in the room.

4.9 rated in Ahmedabad on Google Reviews

  • Senior team, in-house in Ahmedabad

    Designers, engineers and QA in one Ahmedabad office.

  • One codebase when it fits

    React Native or Flutter, with native security modules.

  • Real-device QA, rooted phones included

    Budget Androids, older iPhones and tampered devices.

  • Store launch handled end to end

    Declarations, Data safety forms and resubmissions.

  • You own the source code and IP

    Full source and keys, apps under your accounts.

  • Support after go-live

    Agreed response times and security patches.

You own the source code and IP from day one. How we protect your code and data

Planning a lending, payments or banking app?

Tell us your licence model and the systems the app must reach. We will send a fixed quote.

+91 97730 66237

By specialisation

FinTech App Development by Specialisation

Each licence type shapes a different app, so each gets its own design.

How we work

How We Build FinTech Apps

Six steps, each ending in something you can test or sign off.

  1. Step 01

    Discover & Scope

    We map journeys against your licence and partner model.You get: Scope, compliance touchpoints and fixed estimate

  2. Step 02

    UX & Clickable Prototype

    Compliance reviews disclosure screens before any code.You get: Prototype with disclosures marked

  3. Step 03

    Agile Build (2-week sprints)

    Sprints against your bank, bureau and KYC sandboxes.You get: An installable build every sprint

  4. Step 04

    QA, Security & Real-Device Testing

    MASVS-aligned tests on clean and rooted devices.You get: Test report for your VAPT auditor

  5. Step 05

    App Store & Play Store Launch

    Listings and financial declarations, filed for you.You get: Live apps under your developer accounts

  6. Step 06

    Support, Analytics & Growth

    Crash and fraud signals guide monthly releases.You get: Monthly report and release plan

Cost & timeline

FinTech App Development Cost and Timeline

A fintech app in India typically costs ₹9–20 lakh for a first version and ₹20–45 lakh for a multi-app platform; banks start around ₹45 lakh.

  • Most common starting point

    MVP

    ₹9–20 lakh

    12–18 weeks

    One product on one licence or partner model.

    • iOS and Android customer app
    • Web ops panel
    • KYC and alerts

  • Growth

    ₹20–45 lakh

    5–9 months

    Several apps with bureau, AA or PSP links.

    • Two or three connected apps
    • AA and bureau integration
    • Fraud rules and audit trails

  • Enterprise

    ₹45 lakh+

    9 months upwards

    Banks, brokers and insurers.

    • Core banking or OMS integration
    • RASP and MASVS test cycles
    • Staff SSO

What drives the cost of a fintech app

  • Licence and partner model

    A sponsor bank or lender adds its own tests and sign-offs.

  • Integrations

    Each PSP, bureau or core banking link adds work.

  • Security depth

    RASP licences and VAPT rounds take time and budget.

  • Number of apps

    One customer app costs far less than three apps.

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

FinTech App Technologies & Integrations

Proven frameworks, connected to the rails your licence uses.

Mobile

  • React Native
  • Flutter
  • Kotlin
  • Swift

Backend & cloud

  • Node.js
  • Go
  • PostgreSQL
  • Redis
  • AWS

Security & DevOps

  • Play Integrity API
  • App Attest
  • RASP SDKs
  • CI/CD

FinTech integrations

  • Razorpay
  • Cashfree
  • PSP bank UPI SDKs
  • Account Aggregator
  • DigiLocker
  • CKYC providers
  • Credit bureau APIs
  • eNACH

Our work

FinTech App Work

Banking, lending and personal finance products we built, with results as recorded.

Browse all Raqbash case studies

Engagement & ownership

How we work together, and what you own

Most fintech clients start fixed-scope, then keep a small dedicated team for audits.

Testimonials

What fintech clients say about Raqbash

  • “We needed an MVP fast to raise our seed round. Raqbash shipped a polished product in 10 weeks that impressed investors and won us funding. Exceptional engineering and communication.”
    Priya Sharma, Co-founder, FinNest

FAQ

FinTech Mobile App Development Services in Ahmedabad: FAQs

Straight answers for fintech app buyers.

How much does a fintech app cost to build in India?

Typically ₹9–20 lakh for a first version on one licence model, such as a borrower app or a merchant payments app. Multi-app platforms with bureau and Account Aggregator links usually cost ₹20–45 lakh. Banks, brokers and enterprise builds with repeated security testing start around ₹45 lakh. You get a fixed quote after a free consultation.

How long does fintech app development take?

Usually 12–18 weeks for a first version and 5–9 months for a multi-app platform. Two things stretch it most: sandbox access from your sponsor bank, bureau or KYC vendor, and the security testing rounds your auditor runs before go-live. Store reviewers may ask for licence documents, so we prepare them early.

Should our fintech app be native or cross-platform?

Cross-platform suits most fintech apps. React Native or Flutter gives one codebase for iOS and Android, with native modules for SIM binding, root detection and KYC camera SDKs. We recommend fully native code mainly for active-trader apps that redraw charts many times a second, or where a bank's security policy requires it.

Will our app comply with RBI rules, PCI DSS and the DPDP Act?

We build to those practices, but compliance is your organisation's to establish. We design consent, disclosure and audit screens from the RBI directions that apply to you, keep card data off your servers through tokenisation, and follow DPDP Act 2023 practices. We work alongside your compliance team; we hold no licence and certify nothing.

Can the app connect to our core banking system, LOS or LMS?

Usually, yes. We connect through your vendor's REST or SOAP APIs, an API gateway, or a middleware layer we build when the system only offers batch files. During scoping we make test calls against your sandbox, because response times decide what the app can show live and what it should cache.

Will Apple and Google approve our fintech app?

Well-prepared apps usually pass, but approval is never guaranteed. Apple expects apps in regulated fields to be submitted by the legal entity providing the service. Google Play asks for a financial features declaration, and personal loan apps in India need extra documents. We prepare declarations and reviewer notes, and handle any resubmission.

What does a fintech app cost to maintain after launch?

Plan for a monthly support plan plus cloud, SMS, KYC and bureau usage fees. Support covers yearly iOS and Android updates, Google Play target API changes, SDK and security patches, and fixes after each audit. Regulators and partner banks revise requirements often, so we keep a small change budget in every plan.

Do we need our own licence before building a fintech app?

Not always. Many apps run on a partner's licence: a UPI app through a sponsor PSP bank, a lending app for an RBI-regulated lender, a wallet through an authorised PPI issuer. What the app may do depends on that arrangement. Your compliance adviser confirms the model; Raqbash holds no licence and cannot get one for you.

Start your fintech app project with Raqbash

Tell us your licence model, your customers and the systems you run. You will get a written scope and a fixed quote for fintech mobile app development services in Ahmedabad, with no obligation.

Get a Free App Consultation+91 97730 66237WhatsApp us

Explore more

Related services & industries