100 APIs for Indian devs to integrate different financial services in your apps
Tags: fintech, api
Published: 2023-01-11 14:06:14

In my early 10 yrs of my developer career, only FinTech APIs I knew were Stripe and CCAvenue. My ideas to build something cool in FinTech were limited to usage of these APIs only. I had little hopes from Indian FinTech ecosystem. Only when I started to look around, I was surprised to find plethora of FinTech services that are accessible with APIs and this exploded the use cases I could build with these APIs. It's been almost a month since I started collecting these APIs down and here I present them to you, the only thing I expect in return from you is - share your ideas what do you wish to build with these APIs or share what's missing here. Deal? Let's go.


> Brought to you by [Eko team](http://developers.eko.in)

First, let's understand different categories of FinTech APIs 

## Categories of FinTech APIs

1. Payment processing APIs: These APIs enable online and mobile payments, including payment gateway APIs, digital wallet APIs, and online invoicing APIs.
2. Credit and lending APIs: These APIs provide access to credit scoring, loan origination, and other lending-related services.
3. Insurance APIs: These APIs provide access to insurance products and services, including APIs for health insurance, life insurance, car insurance, and other types of insurance.
4. Wealth management APIs: These APIs provide access to investment products and services, including mutual fund APIs, stock trading APIs, and wealth management platform APIs.
5. Personal finance APIs: These APIs provide access to personal finance management tools, including budgeting and expense tracking APIs, credit card management APIs, and more.
6. Business finance APIs: These APIs provide access to business finance management tools, including invoicing and accounting APIs, financial reporting APIs, and more.
7. Financial comparison APIs: These APIs provide access to financial product comparison tools, including APIs for banking products, insurance products, and mutual funds.
8. Financial market data APIs: These APIs provide access to real-time or historical financial market data, including stock prices, currency exchange rates, and more.
9. Foreign exchange APIs: These APIs provide access to foreign exchange rates and currency conversion services.
10. Cryptocurrency APIs: These APIs provide access to cryptocurrency market data and trading services.
11. Real estate APIs: These APIs provide access to real estate market data and property listings.
12. Financial planning and advice APIs: These APIs provide access to financial planning and investment advice tools.
Banking APIs: These APIs provide access to banking products and services, including APIs for account management, money transfers, and more.
13. Credit card APIs: These APIs provide access to credit card products and services, including APIs for credit card application and management.
14. Lending and borrowing APIs: These APIs provide access to peer-to-peer lending and borrowing platforms.
15. Payment gateway APIs: These APIs enable merchants to accept payments from customers through a variety of payment methods.
16. E-commerce APIs: These APIs provide access to e-commerce platforms and tools, including APIs for product listings, inventory management, and more.
17. Personal identification and verification APIs: These APIs enable identity verification and authentication services.
18. Customer relationship management (CRM) APIs: These APIs provide access to customer relationship management tools, including APIs for customer data management,
19. Data analysis and visualization APIs: These APIs provide access to tools for analyzing and visualizing financial data.
20. Fraud detection and prevention APIs: These APIs provide access to tools for detecting and preventing financial fraud.
21. Financial reporting APIs: These APIs provide access to financial reporting and analysis tools.
22. Financial modeling and simulation APIs: These APIs provide access to tools for creating financial models and simulations.
Financial risk management APIs: These APIs provide access to tools for managing financial risks, such as credit risk, market risk, and more.
23. Supply chain finance APIs: These APIs provide access to tools for managing supply chain financing, including APIs for invoice financing and trade finance.
24. Financial messaging APIs: These APIs provide access to financial messaging and communication platforms, such as SWIFT.
25. Financial education and training APIs: These APIs provide access to financial education and training resources.


There are so many of them, let's apply 80-20 rule and list down the APIs in the most useful categories


## Top Payment Processing APIs in India

- [Paytm API](https://developer.paytm.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Google Pay API](https://developers.google.com/pay/api) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Eko](https://developers.eko.in) - Domestic Money Transfer, Bill Payment, AePS and distribution of multiple financial services via 150k retail shops in India
- [PhonePe API](https://www.phonepe.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Amazon Pay API](https://www.amazon.in/b?ie=UTF8&node=14343320031) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [MobiKwik API](https://www.mobikwik.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Ola Money API](https://www.olamoney.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [PayU API](https://www.payu.in/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Razorpay API](https://razorpay.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [Instamojo API](https://www.instamojo.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.
- [PayPal API](https://www.paypal.com/) - Payment processing API that offers a range of payment and financial services, including mobile payments, e-commerce, and more.


## Top Banking APIs in India

- [HDFC Bank API](https://www.hdfcbank.com/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [ICICI Bank API](https://www.icicibank.com/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Eko](https://developers.eko.in) - Domestic Money Transfer, Bill Payment, AePS and distribution of multiple financial services via 150k retail shops in India
- [Axis Bank API](https://www.axisbank.com/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Kotak Mahindra Bank API](https://www.kotak.com/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [SBI Bank API](https://www.sbi.co.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [PNB Bank API](https://www.pnb.co.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Bank of Baroda API](https://www.bankofbaroda.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Canara Bank API](https://www.canarabank.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Union Bank of India API](https://www.unionbankofindia.co.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.
- [Bank of India API](https://www.bankofindia.co.in/) - Banking API that offers a range of banking products and services, including checking and savings accounts, loans, and more.

## Top Investment and Wealth Management APIs in India

- [Zerodha API](https://kite.trade/docs/) - Investment API that offers low-cost brokerage services for trading in multiple asset classes.
- [Upstox API](https://developer.upstox.com/docs/) - Investment API that offers a high-speed trading platform for multiple asset classes.
- [5paisa API](https://developer.5paisa.com/docs/) - Investment API that offers a user-friendly trading platform with advanced charting tools.
- [TradeJini API](https://www.tradejini.com/) - Investment API that offers brokerage services with a focus on customer service and support.
- [Edelweiss API](https://www.edelweiss.in/) - Investment API that offers a range of financial products and services, including brokerage, mutual funds, and more.
- [Angel Broking API](https://developer.angelbroking.com/) - Investment API that offers a range of brokerage services for multiple asset classes, including equities, derivatives, and more.
- [ICICI Direct API](https://www.icicidirect.com/) - Investment API that offers brokerage and financial services, including equity trading, mutual funds, and more.
- [HDFC Securities API](https://www.hdfcsec.com/) - Investment API that offers brokerage services for multiple asset classes, including equities, derivatives, and more.
- [Kotak Securities API](https://www.kotaksecurities.com/) - Investment API that offers brokerage services for multiple asset classes, including equities, derivatives, and more.
- [Motilal Oswal API](https://www.motilaloswal.com/) - Investment API that offers brokerage and financial services, including equity trading, mutual funds, and more.


## Top Insurance APIs in India

- [PolicyBazaar API](https://www.policybazaar.com/) - Insurance API that offers a comparison platform for insurance products, including life, health, and car insurance.
- [Tata AIA API](https://www.tataaia.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [HDFC ERGO API](https://www.hdfcergo.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [Bajaj Allianz API](https://www.bajajallianz.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [Max Life Insurance API](https://www.maxlifeinsurance.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [SBI Life Insurance API](https://www.sbilife.co.in/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [ICICI Prudential API](https://www.iciciprulife.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [LIC API](https://www.licindia.in/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [Birla Sun Life Insurance API](https://www.birlasunlife.com/) - Insurance API that offers a range of insurance products, including life, health, and car insurance.
- [Reliance Nippon Life Insurance API](https://www.reliancenipponlife.com/) - Insurance API that offers a range of insurance products, including


## Top Credit and Lending APIs in India

- [Lendingkart API](https://www.lendingkart.com/) - Credit and lending API that offers working capital loans to small businesses.
- [Capital Float API](https://www.capitalfloat.com/) - Credit and lending API that offers a range of financial products, including loans and credit lines, to small businesses.
- [Indifi API](https://www.indifi.com/) - Credit and lending API that offers working capital loans to small businesses.
- [Loanzen API](https://www.loanzen.in/) - Credit and lending API that offers working capital loans to small businesses.
- [InCred API](https://www.incred.com/) - Credit and lending API that offers a range of financial products, including loans, to individuals and small businesses.
- [KreditBee API](https://www.kreditbee.in/) - Credit and lending API that offers short-term personal loans to individuals.
- [EarlySalary API](https://www.earlysalary.com/) - Credit and lending API that offers short-term personal loans to individuals.
- [Credy API](https://www.credy.in/) - Credit and lending API that offers short-term personal loans to individuals.
- [StashFin API](https://www.stashfin.com/) - Credit and lending API that offers short-term personal loans to individuals.
- [MoneyTap API](https://www.moneytap.com/) - Credit and lending API that offers personal credit lines to individuals.


## Top Identity verification APIs in India

- [Authy API](https://www.authy.com/) - Identity verification API that offers two-factor authentication and phone verification services.
- [Truemail API](https://truemail.io/) - Identity verification API that offers email verification services.
- [Jumio API](https://www.jumio.com/) - Identity verification API that offers identity verification services using artificial intelligence and machine learning.
- [Onfido API](https://www.onfido.com/) - Identity verification API that offers identity verification services using artificial intelligence and machine learning.
- [SumSub API](https://www.sumsub.com/) - Identity verification API that offers identity verification and compliance services for financial institutions and e-commerce companies.
- [Shufti Pro API](https://www.shuftipro.com/) - Identity verification API that offers identity verification services using artificial intelligence and machine learning.
- [IDology API](https://www.idology.com/) - Identity verification API that offers identity verification and fraud prevention services.
- [IDnow API](https://www.idnow.de/) - Identity verification API that offers identity verification services using video identification technology.
- [IdentityMind API](https://www.identitymind.com/) - Identity verification API that offers identity verification and risk assessment services.
- [Veratad API](https://www.veratad.com/) - Identity verification API that offers identity verification and age verification services.


## FinTech API Aggregators in India

- [Eko Node SDK](https://github.com/ekoindia/eko-sdk-node) - Aggregator of all financial services APIs into one SDK


If you want me to create such useful content on regular basis without getting fired from my job :) , do check out the [FinTech APIs for Money Transfer and Bill Payments](http://developers.eko.in) that my team is building. And do check out a new [Open-Source Node.js SDK](https://github.com/ekoindia/eko-sdk-node) we recently started building to make it easy to integrate any FinTech service in your app.