Bangalore, often called the Silicon Valley of India, has long thrived as a hub for IT and startups. Over the last decade, it has also grown into one of the nation’s largest fintech and financial services centers. For citizens, this means instant access to loans, investments, credit cards, insurance, and online payments at the press of a button.
According to the Reserve Bank of India, Bangalore leads in digital payments and fintech adoption. By 2024, India’s fintech industry crossed $100 billion in valuation, with Bangalore startups driving much of this growth. PhonePe, headquartered in the city, handles over 4.5 billion UPI transactions monthly, making it one of the most popular payment apps.
CRED, another Bangalore-based giant, has reached a $6.4 billion valuation by rewarding credit card users who pay on time. Lending platforms like Moneyview and Kinara Capital simplify loans for individuals and small businesses, while Rupeek modernizes traditional gold loans through online platforms.
What sets Bangalore apart is its blend of technology and finance. From loans and payments to apps that track spending and reward discipline, fintech innovations here give millions across India faster, more open, and flexible access to financial services.
In this blog, we are going to discuss 10 of the top finance companies in Bangalore that are revamping the way people borrow, save, invest and spend money. All the overviews are written in the eyes of a customer and, hence, you will get to understand how these companies can assist you in your financial journey.
Key Factors to Consider Before Choosing a Finance Company
1. Transparency
- Search among businesses that publicly disclose interest rates, repayment terms and concealed fees.
2. Accessibility
- Test the level of ease of accessing their services.
- Fintech applications, such as Moneyview or NIRA, assist clients that might not qualify to have a traditional loan with a bank.
- Sites such as Rupeek make it possible to borrow without going to a bank.
3. Trustworthiness
- Favor companies having registration by RBI or by SEBI.
- Always read the reviews done by customers.
4. Nature of Financial Need
- In the case of investments: applications such as Groww or PhonePe would be more appropriate.
- In the case of small business: Kinara Capital provides dedicated products of financing.
- In case it is an emergency: instant loans can also be applicable, however, they might also be associated with a high level of interest.
5. Speed vs. Reliability
- Weigh between the demand to give approvals quickly and the financial goals in the long term.
- Do not choose fast approvals against inferior terms.
List of Top 10 Finance Companies in Bangalore (2025 Edition)
1. Moneyview
- Founded year: 2014
- Headquarters: Bangalore
- Website URL: https://moneyview.in/
Moneyview is a Bangalore-based fast emerging fintech firm, which focuses on digital lending and personal finance solutions. Its most important feature to customers is access. Conventional banks mostly turn down borrowers due to their lack of high credit score whereas Moneyview lends it to you based on its own alternative scoring model of credit which assesses other aspects like income and financial behavior. This will ease access to loans to a larger group of people.
Customers can also have personal loans of up to10 lakh through the Moneyview app and a versatile repayment over a term up to five years. It is a fully digital process where there is little paperwork and quick approvals- in many cases within 24 hours. In addition to lending, the app also supports such functions as credit score, budgeting, and payments reminders. These functions can be a lifesaver to a first-time borrower or an individual who has to take care of various obligations.
Transparency is the other benefit. The interest rates, EMIs and the repayment schedule taken by customers are visible to them in form. Moneyview practices transparency unlike certain lenders who conceal charges but this is largely beneficial as borrowers have better time planning. The cons, just like most unsecured loans, are that interest rates may fluctuate on the higher side (up to 30 percent depending on profile).
Nevertheless, when people are just in need of emergency or quick financing to finance education, wedding, or medical bills, Moneyview provides a widely recognized reliable alternative in the Bangladesh Appfinance ecosystem.
Financial Services:
1. Instant funds (collateral-free, personal loans)
2. Low rate home loans
3. Property mortgage i.e. using property as security to a limited extent
4. Credit cards (free life time cards to a certain credit limit)
5. Operating loans that are of longer tenure (not exceeding 60 months)
6. Savings / investment style products: FD Select, 24K gold investment etc.
7. Car/ bike insurance + credit tracker/ Money manager and financial scene trackers.
2. Kinara Capital
- Founded year: 2011
- Headquarters: Bangalore
- Website URL: https://kinaracapital.com/
Kinara Capital is an NBFC (Non-Banking Financial Company) based in Bangalore that lends to small, medium, and micro enterprises (MSMEs). Kinara is a savior to small business owners, particularly those without collateral. Its loans are designed for shopkeepers, traders, manufacturers, and service businesses in need of working capital, often overlooked by traditional banks.
Clients can access loans between ₹1 lakh and ₹30 lakh with flexible repayment options. Unlike banks, Kinara does not require collateral but instead evaluates businesses on cash flow, operations, and growth potential. This approach opens credit opportunities for thousands of entrepreneurs in Bangalore and across India who would otherwise struggle to secure funding.
The application process is semi-digital, allowing customers to apply online or through field agents, with faster approvals compared to banks. Kinara also provides a user-friendly app, helping small business owners who may not be comfortable with English or fully digital applications.
While its impact may not always be visible to ordinary customers, Kinara directly contributes to the local economy by supporting small businesses, improving services, creating jobs, and empowering communities. With its unique approach, Kinara has earned a place among the most impactful finance companies in Bangalore, offering vital support to emerging entrepreneurs.
Financial Services:
1. Loon loans (Rs. 1-30 lakhs) will be offered on collateral free business/ MSME loans through their myKinara app with little paperwork
2. Several sub-products like working capital, purchase of assets (machinery, etc.), bill discounting, etc
3. HerVikas Special finance (loan scheme) benefits for women entrepreneurs
4. Quick turnaround (less than 24 hours in most occasions) of loans to qualified MSMEs
5. Customer focused services such as multi-lingual, door to door service in most of the pincodes, and so on
3. CRED
- Founded year: 2018
- Headquarters: Bangalore
- Website URL: https://cred.club/
CRED has made a name in households not only in Bangalore but also throughout India, due to its upscale design, and distinctive value proposition: someone who pays their credit card bill in time is rewarded by the CRED. Cred was launched in 2018 and currently has millions of users, of which the platform has launched new financial products such as short-term credit, rent payments, and BNPL (Buy Now, Pay Later) options.
What provides customer value is the simplicity of CRED. It links the app with your credit cards and through it, you pay the bills without any hassle. Your payment rewards you with CRED coins, which are redeemed whenever you want to receive rewards, discounts or exclusive experiences. In addition to the rewards, the app also offers a clean design to track all your cards in a single source, which alerts you about the due date and prevents late payments.
CRED has been expanding in recent years to provide CRED Cash (an instant personal loan feature), and CRED Rentpay – the ability to pay your house rent on a credit card but receive the points. Such services provide the customers with greater control over finances with the possibility not to use the conventional lenders.
The site, though, is restricted to customers having good credit scores (usually 750 and above). It is also one of most rewarding and convenient financial apps to those who are qualified, and in Bangalore it takes place among the most favored by people working in urban areas who are technically advanced.
Financial Services:
1. Pay bills and handle credit cards in the same application, drag and drop many credit cards at once, make payments on bills, receive notifications, etc
2. Rewards / loyalty / cashback / offers related to the timely payment of credit card bills, and other lifestyle / merchant offers
3. Short term credit facilities (CRED Cash) to qualified users
4. Pay through application rent (RentPay) with tend notifications etc
5. Mutual funds etc. and wealth management / investment services through acquisitions (e.g. Kuvera) etc
6. Check out new services like wallet, extended rewards and so on
Suggested Read: Finance Companies in Mumbai
4. Rang De
- Founded year: 2008
- Headquarters: Bangalore
- Website URL: https://rangde.in/?
Rang De is a P2P (peer-to-peer) lending company headquartered in Bangalore, with a strong social mission. Unlike traditional finance companies, Rang De connects social investors with borrowers in underserved communities. Through the platform, customers can provide small loans to individuals for education, healthcare, farming, or starting small businesses.
For borrowers, Rang De can be life-changing. Conventional banks often refuse loans to low-income families or charge extremely high interest rates. Rang De, in contrast, offers affordable credit at lower interest rates. For example, a farmer can borrow funds to purchase seeds, or a student can secure money to further their education.
Users can participate as either borrowers seeking affordable loans or as investors aiming to make a social impact. Investors earn modest returns while supporting financial inclusion, and borrowers gain access to opportunities they might not otherwise receive.
Rang De stands out among finance companies in Bangalore by bridging finance and social good. It’s a platform worth considering for anyone who wants to make a positive impact while managing their money responsibly.
Financial Services:
1. Peer to peer micro-lending. People (social investors) lend to low-income entrepreneurs, students etc. Target underserved communities, rural / low income, those often women borrowers
2. Micro loans through livelihood/business and education loans through their platform
3. Financial literacy / area partner support / operational partnerships to access underserved regionalities
5. NIRA
- Founded year: 2017
- Headquarters: Bangalore
- Website URL: https://www.nirafinance.com/
NIRA is a fintech firm with a base in Bangalore, which focuses on tini-ticket personal loans. NIRA attracts middle-income customers with loans starting from ₹5,000 to ₹1 lakh, with an option of flexible repayment of one loan to a few weeks or 12 months. This is particularly appealing to those with salaried jobs, who need to get cash fast due to emergency situations, or any temporarily needed small financial problems.
Its application is completely electronic and does not entail many documents. Customers can download the app, pass a short credit check and be approved in a few hours. The money is easily paid and hence NIRA will be of help to those who do not want to wait hours to get their money after approval by the bank.
The uniqueness of NIRA lies in the accessibility. Most conventional lenders have significant eligibility conditions forcing younger professionals or individuals with slim credit reports out of the loop. NIRA uses alternative data to determine individuals thus expanding the list of individuals entitled to borrow.
Be careful with interest rates, as small, short-term loan providers are occasionally more costly, and other fintech lenders are no exception. Nonetheless, the flexibility and speed of NIRA make it a default choice among customers of Bangalore, who require money soon, without the formalities of bank transactions.
Financial Services:
1. Small personal lending (micro-loans) to users via app (digital lending) and may not have complete credit history or access to bank loans
2. Possibly credit score / credit-building tools etc. [some overlap Moneyview like services]
3. (In case discovered) repayment schemes etc are focussed on small amounts
6. Freecharge
- Founded year: 2010
- Headquarters: Gurugram
- Website URL: https://www.freecharge.in/
Freecharge, initially a digital recharge and bill payment service, has evolved into a comprehensive fintech provider headquartered in Bangalore. It now offers UPI payments as well as Pay Later credit services, catering to customers seeking convenient solutions for everyday financial transactions.
For users, Freecharge is often the preferred app for mobile recharges, electricity bill payments, and UPI money transfers. Its user-friendly interface and cashback offers have made it especially popular among young professionals and students. Recently, Freecharge introduced the Pay Later feature, allowing users to make small purchases and settle them at the end of the month, adding a credit component to its services.
Though it faces competition from PhonePe and Google Pay, Freecharge stands out due to its convenience and attractive promotions. For residents of Bangalore, where digital payments are part of daily life, Freecharge is a reliable alternative for fast and secure transactions.
While its offerings beyond payments are limited compared to larger competitors, Freecharge remains a credible option for customers looking for a single payment app with added credit features, making it one of the notable finance companies in Bangalore.
Financial Services:
1. Payments to mobile devices / wallets (utility bills, mobile recharges, ingots)
2. Promotions / discounts on purchases through wallet or application
3. Eased and quick payment options- UPI, etc
4. Buy now pay later or partnerships (probably lending or depending on the market)
7. Groww
- Founded year: 2016
- Headquarters: Bangalore
- Website URL: https://groww.in/
Groww is an investment platform headquartered in Bangalore that has transformed the way Indians invest in mutual funds, stocks, ETFs, and even U.S. equities. Its main strength lies in simplicity and accessibility. While investing was once seen as complex, Groww’s intuitive design makes it approachable even for beginners.
Users can open an account in minutes, link their bank, and start investing with as little as ₹100. The app provides easy-to-understand charts, data, and educational resources, helping individuals make informed decisions. Groww also supports stock trading and SIPs (Systematic Investment Plans) for more experienced investors.
What sets Groww apart is its focus on accessibility—there are no hidden costs, and the platform is available in multiple Indian languages. For Bangalore residents, especially young professionals with disposable income, Groww serves as an ideal entry point into investing.
While market risks remain, Groww’s transparent platform and growing product range have earned the loyalty of millions of users, making it one of the leading finance firm in Bangalore.
Financial Services:
1. Investments- mutual funds, stocks etc. and trading applications / wealth management
2. Streamlined investment platform to enable users to invest at a low fee
3. Perhaps minimal savings / recurrent investing instruments, etc
4. Information about investment and finance in educational forms
8. Rupeek
- Founded year: 2015
- Headquarters: Bangalore
- Website URL: https://rupeek.com/?city=banglore
Rupeek is a fintech business based in Bangalore, segments of gold loans which is a classic type of borrowing in India, performing a digital overhaul. The gold jewelry owners can access the value of their gold jewelry by not selling but borrowing against it.
Rupeek is a doorstep gold loan service, where the customer calls the agent, who arrives at his/her house, analyzes the gold, and secures the loan immediately. This convenience makes it stand out among the traditional gold-loan companies where physical presence is required by the customers at a branch.
There is a normal range of ₹50,000 to multiple lakhs as the amount of loan depends on the value of the gold. The rates are low, lower than personal loans not secured and so Rupeek is affordable to clients who require quick money to invest in educational matters, weddings or business.
One of the primary concerns is security, and insured logistics partners will guarantee the gold delivery and storage at banks is safe. To the residents of Bangalore, the creditworthiness of traditional borrowing merges with the convenience of advances made by modern fintech leaders.
Although customers ought to be cautious with the times they have to pay back their vowed gold, Rupeek is a trusted option among those who have to unlock liquidity in the shortest time possible without selling loved ones in the long run.
Financial Services:
1. Gold backed loans- borrowing under the collateral of gold jewellery/assets
2. Expedited payment utilizing the gold model of collateral
3. May possess services similar to valuation of the gold used as collateral, storage etc
4. (Other perhaps geared lending products) related to the physical assets (but principally gold)
9. PhonePe
- Founded year: 2015
- Headquarters: Bangalore
- Website URL: https://www.phonepe.com/
PhonePe is a digital payment platform headquartered in Bangalore, boasting one of the largest user bases in India with over 500 million users. It has become a household name for UPI transactions, mobile recharges, bill payments, and online shopping.
The app’s biggest strength lies in its reliability. Quick and secure payments have made PhonePe widely trusted for everyday transactions, whether in supermarkets, roadside shops, or e-commerce platforms. Its broad merchant acceptance makes it a convenient choice for daily financial activities in Bangalore.
Beyond payments, PhonePe has expanded into insurance, mutual funds, and gold investments, allowing users to explore financial products directly within the app. Features like micro-credit and Buy Now, Pay Later further establish PhonePe as an all-purpose financial companion.
This nationally scaled, homegrown platform also gives Bangalore residents a sense of pride in its widespread use. Users are advised to follow basic security measures, such as keeping UPI PINs safe and avoiding suspicious links.
As one of the most popular fintechs in India, PhonePe remains at the center of daily transactions, standing among the leading finance companies in Bangalore that shape modern financial experiences.
Financial Services:
1. Digital payments- UPI based payments, wallet, QR code payments
2. Utility payments, recharges, bill payments
3. It may include a marketplace (possibly of financial products) (insurance, mutual funds) within the app
4. Financial services associated with payment, provide cashbacks, rewards and so on
5. Connection to banks, bank-bank remittances etc
10. Techfino
- Founded year: 2019
- Headquarters: Bangalore
- Website URL: https://www.techfino.in/
Techfino is a secured-lending NBFC based in Bangalore, catering to customers who can provide collateral for loans. Unlike digital-first fintechs offering small, unsecured loans, Techfino focuses on larger ticket sizes with lower interest rates, targeting individuals with assets who need liquidity.
The company provides loans for business growth, education, weddings, or property-related expenses. By offering secured lending, Techfino can provide more competitive rates than unsecured digital lenders, appealing to middle- and upper-middle-class families requiring substantial funds at reduced costs.
The finance market in Bangalore continues to expand, with Techfino recently increasing its funding to broaden its lending base. This means more customer-friendly credit facilities are now available under the secured-loan category.
While the application process involves more documentation than instant fintech loans, Techfino’s structured and reliable approach makes it a safer financing option for larger needs. For customers prioritizing lower interest rates over instant approval, it is a trusted partner among finance firm in Bangalore.
Financial Services:
1. MSME lending (secured and unsecured) through underserved segments(particularly Tier II / Tier III cities)
2. Loans against property (LAP) to small businesses (kirana shops, traders etc) in smaller cities/towns
3. Education loans through B2B2C arrangements with offers made by educational services providers
4. Hybrid phygital model: partial physical presence + speedy disbursal on the basis of fintech, on without paper in some cases
5. Specialise in quick forwarding, credit to areas that the traditional banks may underserve
The Future of Finance in Bangalore: What Customers Can Expect
The financial ecosystem in Bangalore is set to grow continuously in the coming years. The Reserve Bank of India and government regulators are developing models for digital lending, UPI credit, and AI-based credit solutions, which will initially launch and scale in hubs like Bangalore. For customers, this means more customized financial products—loans tailored to income levels, real-time spending insights, and smarter investment options.
The integration of AI and machine learning in lending is another major shift. Customers can already access companies like Lentra, which provide AI-based lending solutions to banks, making approvals faster and fairer. Soon, individuals and businesses will be able to access credit that leverages not only traditional criteria but also digital footprints, spending patterns, and utility payment history.
Digital security will play an even greater role as more financial services move online. Companies are investing heavily to prevent fraud and protect consumers, resulting in safer, faster, and more efficient financial experiences.
In short, Bangalore will continue to serve as India’s financial lab, where the latest banking and fintech innovations are tested. Customers will benefit from advanced financial products that make life more convenient, secure, and rewarding, reinforcing the city’s position among leading finance companies in Bangalore and its broader financial ecosystem.
Conclusion
Bangalore has quite a varied financial ecosystem in India and provides solutions to virtually all needs. It could be Moneyview with their short-term personal loans, Kinara Capital offering small business lending, CRED managing credit cards, or Rupeek providing gold-backed loans customers in the city have more choices than ever. Add platforms like Groww and market leaders in everyday payments systems like PhonePe, and it becomes clear that Bangalore is dictating how India treats money, making it one of the most dynamic hubs among finance companies in Bangalore.
One of the main challenges for customers is not finding a finance company, but selecting the one best suited to their needs. The key is to focus on visibility, affordability, and convenience. Look for companies that are transparent about interest rates, repayment terms, and security. At the same time, assess your own financial discipline—tools like credit cards and BNPL can be helpful, but only when used responsibly.
Considering this ecosystem exists in Bangalore, which is at the forefront of India’s fintech revolution, everyday users stand to benefit the most. Properly matched with the right finance partner, individuals can better handle emergencies and work toward a more prosperous financial future. This city is welcoming and designed to serve—customers just need to take the first step in identifying the right fit among finance firm in Bangalore.
FAQs
Q1. What Is The Quickest Personal Loan With Fintechs In Bangalore?
Most online lenders such as Moneyview, NIRA, and CRED Cash must give approvals in less than 24 hours, and that amount is directly paid to your bank account.
Q2. Are Interest Rates High In Relation To Banks?
Yes, the unsecured digital loans are generally rated at a higher rate compared to bank loans but they are also quick and readily available.
Q3. Is It Possible To Obtain Loans Without Collateral By The Small Enterprises In Bangalore?
Yes there are companies such as Kinara Capital which offer collateral free loans to small and micro enterprises.
Q4. Is My Information Secure Upon Using Fintech Apps?
The majority of RBI regulated fintechs adhere to the rules but would never download apps outside of the official stores, and use untrusted links.
Q5. Is It Safe To Invest In The Smartphone Apps Of Groww Or PhonePe?
Yes, they are both SEBI registered and investment is made on your behalf. Investments are however associated with market risks.