FinTech Guide 2026 : India
Ranked Individuals
Provided by Spice Route Legal
Our Financial Services Regulatory and FinTech practice is India’s largest dedicated team and among the most prominent in the Asia-Pacific region. We advise the full spectrum of financial innovators–from disruptive fintech startups to global financial institutions, leading technology companies, and high-growth businesses building solutions in digital lending, tokenisation, AI-driven services, digital identity, fraud management, and next-generation payments.
We have helped shape India’s modern fintech regulatory landscape and regularly engage with the Reserve Bank of India on digital lending, payments, and account-aggregator frameworks, with several RBI clarifications reflecting solutions proposed by our team. Our understanding of regulatory priorities enables us to guide banks, NBFCs, insurers, investment platforms, and technology-led businesses through compliance, product development, and digital transformation with clarity and precision. We advise across the full fintech lifecycle – from product structuring and regulatory strategy to M&A and PE transactions involving regulated entities, technology contracting, outsourcing, and mission-critical system integrations. We have also advised on major banking and insurance digitisation initiatives, including multi-year overhauls of core technology stacks and large-scale technology partnerships with global providers.
Provided by Chambers
Spice Route Legal has substantial experience in dealing with venture capital and private equity investors in the FinTech space. The team brings technological know-how as well as deep regulatory expertise in virtual digital assets and open banking. It has advised both startups and institutional players on data localisation and operationalising contracts.
Provided by Chambers
Spice Route Legal advised Aerem Solutions in its USD11.7 million Series A fundraising round.
Provided by Chambers
The SRL team is highly accessible, prompt in its communication and proactive in addressing both urgent and strategic matters.
Spice Route's team is responsive, well-informed, and collaborative, making it a trusted partner for high-stakes or multi-dimensional legal work.
Their advice was not just legally sound but also tailored to our product, risk appetite, and counterparties; striking the right balance between compliance and business objectives.
Provided by Chambers
Mathew Chacko leads the FinTech practice at Spice Route Legal and is one of the firm's co-founders. He combines his expertise in payments regulation with IT/data matters to provide solutions for FinTech clients. He is well regarded for his work with payment aggregators on technology transactions.
Mathew Chacko brings a rare combination of legal depth and business acumen, offering advice that is not only technically sound but also aligned with long-term commercial objectives.
Mathew Chacko brings a sophisticated understanding of FinTech regulations and combines it with a clear, strategic vision.
What really distinguishes Mathew is the way he approaches every assignment with precision and care - he is incredibly detail-oriented and ensures that no aspect, however small, is overlooked.
Ankita's proactive and collaborative approach has been a real asset to our projects.
Ankita Hariramani has a very strong ability to craft well-informed strategies that align seamlessly with our business objectives, even in the face of constant regulatory changes.
Ankita's advice is always practical, commercially grounded, and framed in a way that helps our internal teams make informed decisions quickly.
Head of FinTech Legal
Head of FinTech Legal
Provided by Spice Route Legal
Aadya Misra
Soumitra Ponkshe
Harshda Bakshi
Vishal Singh
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