Advanced International Journal for Research

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The Role of Fintech Companies in Building Viksit Bharat

Author(s) Dr. Yamuna Kilaru, Dr. Steeven Raju Ganta
Country India
Abstract India’s aspiration of achieving the Viksit Bharat 2047 vision hinges upon inclusive economic growth, digital empowerment, and technological innovation. FinTech companies have emerged as pivotal enablers in this transformation by democratizing financial access, driving entrepreneurship, and fostering transparency in financial systems. This paper analyzes the role of FinTechs in realizing Viksit Bharat, emphasizing the evolution of India’s FinTech ecosystem, its global positioning, enabling regulatory frameworks, and future opportunities. Drawing from the EY–DLAI Report (2025), this study highlights how Digital Public Infrastructure (DPI), policy reforms, and innovation-led governance are creating pathways toward an inclusive and resilient financial architecture.
As India continues its journey towards becoming a US$5 trillion economy, financial inclusion remains a crucial enabler of economic growth and development. The Government of India's vision of Viksit Bharat – an empowered India – is built on the pillars of accessibility, affordability, and innovation. Fin Techs have emerged as key catalysts in this journey, leveraging technology to democratize access to financial services, enhance user experience, and drive financial literacy in a secure and cost-optimal way. By harnessing the power of digital public infrastructure for data, identity, and payments, FinTechs are bridging the financial inclusion gap and empowering millions of Indians. The Indian FinTech sector is pacing towards becoming one of the global leaders, fueled by our unwavering entrepreneurial spirit, government focus, regulatory support, technological solutions, and our well-earned ability to attract investments. This sector has evolved over the years and is gracefully maturing to be a self-regulated, responsible player, driving India towards operational and service excellence at global standards. This paper explores the transformative impact of FinTechs across sectors, tracing the evolution of FinTech over time, examining how regulators are nurturing this sector to be a more inclusive, scalable and sustainable player. It highlights success stories, innovative business models, and the enabling regulatory landscape that is shaping the ecosystem to realize the Viksit Bharat vision.
Keywords Keywords: FinTech, Viksit Bharat, Financial Inclusion, Digital Public Infrastructure, Innovation, India 2047, Digital Lending, RegTech
Field Sociology > Economics
Published In Volume 6, Issue 6, November-December 2025
Published On 2025-12-31
DOI https://doi.org/10.63363/aijfr.2025.v06i06.2740
Short DOI https://doi.org/hbhk4d
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