India's Trusted Fintech Development Partner

Banking Software
Built to Be Trusted.

Custom core banking systems, mobile banking apps, payment gateways & AI fraud detection � RBI-compliant and bank-grade secure for financial institutions across India.

100% RBI Compliant 0 Data Breaches 99.9% Uptime SLA MVP in 12�16 Weeks
What We Build

Banking Technology That
Institutions Trust

In finance, the cost of failure is not just revenue � it's regulatory action, reputational damage, and trust that takes years to rebuild. We build software where security, compliance, and reliability are never an afterthought. One connected platform designed from the ground up for India's financial institutions.

  • Compliance Built In � Not Bolted OnRBI guidelines, DPDP Act, PCI-DSS, and ISO 27001 are architected into every layer from day one, not patched in before audit.
  • Zero Downtime MigrationsLegacy core banking modernised to API-first microservices without a single minute of service interruption for your customers.
  • Built for Indian FinanceUPI, IMPS, NEFT, RTGS, CIBIL integrations, eKYC, DigiLocker � designed here for India's unique regulatory and payments landscape.
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Banking software dashboard � Core Banking System India
0 Breaches
Across all client deployments ever
MVP in 12�16 Wks
Fraud Reduction
78%
Avg. drop in fraudulent transactions
Institutions Served
50+
Banks, NBFCs & fintechs across India
Solutions We Build

Every Tool Your Institution Actually Needs

We configure every solution to your regulatory environment and operational requirements, then wire everything into one compliant platform so nothing falls through the cracks.

Core Banking System

End-to-end CBS with account management, loan origination, cross-branch operations, automated RBI regulatory reporting, and complete audit trails. Built on an API-first microservices architecture that scales from a single branch to a nationwide network � with zero-downtime deployments.

Microservices API-First RBI Ready Multi-Branch

Mobile & Internet Banking

Secure, beautiful banking apps with biometric login, UPI transfers, bill payments, portfolio view, and instant notifications � for iOS and Android simultaneously.

Biometric + UPI Enabled

Payment Gateway & UPI

High-throughput UPI, IMPS, NEFT, RTGS, and international transfer infrastructure with real-time settlement and automated reconciliation.

UPI 2.0 � IMPS � RTGS

AI Fraud Detection & AML

ML models that detect suspicious transaction patterns in milliseconds � blocking fraud before it completes while cutting false positives that frustrate genuine customers.

Real-Time ML Detection

Digital Lending & NBFC

Loan origination, CIBIL/CRIF integrations, automated underwriting, eSign, eNACH, EMI management & collections � purpose-built for NBFCs and digital lenders.

CIBIL � eSign � eNACH

Regulatory Compliance & Security

RBI guidelines, DPDP Act, PCI-DSS, ISO 27001 � compliance maintained continuously, not just at audit time. AES-256 encryption at rest and in transit, 24/7 SOC monitoring, continuous pen testing, and automated policy enforcement across every layer of the system.

RBI / SEBI PCI-DSS DPDP Act

Who We Serve

Commercial & cooperative banks, NBFCs, fintech startups, housing finance companies, payment aggregators, and microfinance institutions across India.

Banks � NBFCs � Fintechs
Pain Points We Eliminate

The Exact Problems Every Financial Institution Tells Us

Compliance Gaps Caught at Audit

RBI guidelines get bolted on after development. Audit teams flag gaps. Remediation is expensive, slow, and deeply disruptive to operations � right when you can least afford it.

Our Solution: Every engagement begins with a compliance architecture audit. RBI, DPDP Act, and PCI-DSS requirements are wired into the system design before a single line of code is written.

Legacy Systems That Won't Scale

Monolithic core banking systems from the 2000s can't handle UPI volumes, mobile banking demands, or the integrations modern customers expect � but a migration feels impossibly risky.

Our Solution: Zero-downtime blue-green migrations move your institution to API-first microservices without a single minute of service interruption for customers or branches.

Fraud Losses Eroding Margins

Rule-based fraud screening misses sophisticated attacks and flags genuine customers. By the time suspicious transactions are reviewed manually, the damage is already done.

Our Solution: Real-time ML fraud detection analyses transaction patterns in milliseconds and blocks threats before they complete � reducing fraudulent transactions by up to 78% without disrupting genuine customers.

Customers Leaving for Digital-First Banks

Customers compare your mobile app to fintech super-apps and neo-banks every day. A slow, clunky interface and missing UPI features are silent drivers of account closure and attrition.

Our Solution: We deliver beautiful, fast mobile banking apps with biometric login, full UPI support, bill payments, and instant notifications � built and live in 14�16 weeks.

0
Data Breaches Ever
78%
Fraud Reduction
99.9%
Uptime SLA
50+
Institutions Served
Our Deployment Process

From Discovery to Go-Live in 4 Phases

MVPs go live in 12�16 weeks. Full enterprise deployments in 6�12 months, depending on scope.

01

Discovery & Compliance Audit

We map your current systems, identify all regulatory gaps, and define a fully compliant architecture before a single line of code is written.

02

Architecture & Security Design

Security-first microservices blueprint, API design, data residency planning, and UI/UX prototypes � all approved by your team before development begins.

03

Agile Build & Pen Testing

Two-week sprints with continuous security scanning, penetration testing at each phase, and UAT conducted with your compliance team throughout.

04

Zero-Downtime Go-Live

Blue-green deployment ensures your old system stays live until the new one is verified. Staff training, supervised go-live, and 4-week hyper-care support included.

Why Niyan IT Solutions

Your Technology Partner, Not Just a Vendor

Compliance From Day One

RBI, DPDP Act, PCI-DSS, and ISO 27001 built into the architecture from the start � never left to an afterthought before audit.

Zero-Downtime Migrations

Blue-green deployments keep your institution fully operational while we migrate legacy monolithic systems to modern microservices architecture.

24/7 SOC Monitoring

Round-the-clock security operations centre with a sub-15-minute incident response SLA. If something happens on a Sunday night, we answer immediately.

One Connected Platform

Core banking, mobile app, payment gateway, fraud detection, and analytics designed as a single native system � not bolted-together third-party apps.

Clean, Transferable Code

No vendor lock-in. Fully documented, well-structured source code that your internal team or any future partner can maintain and extend.

Transparent Pricing

No hidden fees, no surprise invoices. Clear project-based and retainer plans designed for Indian financial institution budgets that make commercial sense.

Platforms & Technology

Bank-Approved Tools, Indian-Ready Results

React / Next.js
Node.js / Java Spring
PostgreSQL / Oracle
Kafka / RabbitMQ
Kubernetes / Docker
AWS / Azure
NPCI UPI Stack
CIBIL / CRIF / Experian
DigiLocker / eKYC
Aadhaar / NSDL
TensorFlow / PyTorch
Hashicorp Vault
Redis / Elasticsearch
Prometheus / Grafana
Common Questions

Questions Financial Institutions Ask Us

Do you build RBI-compliant banking software?
+
Yes. All our banking software is architected to meet RBI guidelines, the DPDP Act, PCI-DSS, and ISO 27001 from day one � not bolted on as an afterthought before audit. We begin every engagement with a compliance architecture review.
Can you modernise our existing core banking system?
+
Yes. We specialise in migrating legacy monolithic CBS systems to modern, API-first microservices architectures with zero downtime using blue-green deployment strategies. Your branches and customers experience no disruption throughout the migration.
How long does a core banking project take?
+
MVPs are typically delivered within 12�16 weeks from kickoff. Full enterprise CBS deployments or large-scale migrations run 6�12 months depending on scope, number of integrations, and the complexity of your existing systems.
What security certifications do your systems meet?
+
Our systems are built to PCI-DSS and ISO 27001 standards with AES-256 encryption at rest and in transit. We conduct continuous automated security scanning and OWASP-aligned manual penetration testing at every major release milestone.
Can you build for both banks and NBFCs?
+
Yes. We serve commercial banks, cooperative banks, NBFCs, microfinance institutions, housing finance companies, payment aggregators, and fintech startups. Each engagement is scoped to your specific regulatory environment and operational requirements.
How does your pricing work?
+
We offer clear project-based and retainer pricing tailored to Indian financial institution budgets. No hidden fees, no surprise invoices. We'll walk you through the most appropriate engagement model during your free consultation call.
Free � No Obligation

Build Banking Software Your
Regulators Will Approve

From a single NBFC to a multi-city bank � we build technology that eliminates compliance risk, reduces fraud losses, and puts secure growth firmly back in your hands.

0 Data Breaches Ever
100% RBI Compliant
24/7 SOC Support