Fintech Startup Software Delhi — Complete Technology Stack 2026

Fintech Startup Software Delhi — Complete Tech Stack 2026

Delhi NCR is India's second-largest fintech hub after Bengaluru. Capital Float, Paytm, Policybazaar, and LoanTap all have Delhi connections. In 2026, 500+ active fintech startups are operating from Delhi NCR. The technology stack you choose at launch determines how quickly you scale — and whether you survive regulatory scrutiny.

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What Every Delhi Fintech Startup Needs

Regulatory Foundation First
- NBFC Certificate of Registration (RBI) — mandatory before lending
- Payment Aggregator licence (RBI) — if collecting payments from customers
- DPIIT Startup India recognition — tax benefits and regulatory relaxation access

Core Lending Technology Stack

1. Loan Origination System (LOS)
The front-end of your lending operation:
- Digital application form (mobile-first)
- Credit bureau integration (CIBIL, Equifax, Experian)
- Account Aggregator integration for 6-month bank statement analysis
- AI credit scoring with explainable decision output (required by RBI)
- Workflow engine: application → credit check → sanction → legal

2. Loan Management System (LMS)
The back-end operational engine:
- Disbursement tracking and reconciliation
- EMI collection through NACH e-mandate or UPI AutoPay
- NPA classification and provisioning
- Monthly CIMS reporting to RBI
- Complete audit trail for regulatory inspection

3. KYC and Identity Verification
- Aadhaar OTP eKYC (UIDAI licensed vendor required)
- PAN verification (ITD API)
- Video KYC / V-CIP (RBI-certified vendor required)
- Liveness detection (ISO 30107-3 compliant)
- Bank account penny-drop verification

4. Payment Infrastructure
- Collections: Razorpay or PayU payment gateway
- EMI auto-debit: NACH mandate via Razorpay or Cashfree
- Disbursement: Cashfree bulk payouts or IMPS/NEFT

5. Analytics and Monitoring
- Portfolio at risk (PAR 30, PAR 60, PAR 90) dashboards
- Collection efficiency by product, geography, and team
- Disbursement velocity and approval rate tracking

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MICS Fintech Package for Delhi Startups

- Full LOS + LMS with RBI compliance
- KYC API integrations (bureau + eKYC + video KYC)
- Payment gateway and NACH setup
- Analytics dashboard
- Compliance documentation for RBI audit
- Staff training

Investment: Rs. 5,00,000 one-time + Rs. 30,000/month
Timeline to first loan disbursement: 90 days

Free fintech consultation: +91 9355273535 | admin@mics.asia