eWallet App Development Cost in India: A 2025 Pricing Breakdown

Why Businesses Are Investing in eWallet Apps

India’s digital payment ecosystem has grown exponentially, with UPI transactions crossing 10 billion monthly transactions in 2025. Startups and enterprises alike are racing to build custom eWallet apps to tap into this $800+ billion market. But how much does it actually cost to develop a competitive eWallet app in India? Let’s dissect the numbers.

Key Cost-Drivers in eWallet App Development

1. Core Features & Functionalities

User registration (OTP, biometric login)
UPI integration and payment gateway APIs
Transaction history and digital receipts
QR code scanner with BharatQR compatibility
Customer support chatbot (AI-powered)

2. Tech Stack Complexity

Native Android (Java/Kotlin) and iOS (Swift) apps cost 25-40% more than cross-platform solutions using Flutter or React Native. Blockchain-based wallets add another ₹5-8 lakh to the budget.

Detailed Cost Breakdown (2025 Rates)

Component	Low Range	Mid Range	Premium
Basic MVP	₹6-8 lakh	₹10-15 lakh	₹20 lakh+
Full-Featured App	₹18 lakh	₹25-35 lakh	₹50 lakh+
Annual Maintenance	₹2 lakh	₹4-5 lakh	₹8 lakh+

Hidden Costs Most Startups Ignore

RBI Compliance: ₹3-5 lakh for PPI license documentation
Server Costs: AWS/GCP clusters starting at ₹1.2 lakh/month
Penetration Testing: ₹50,000-1,00,000 per audit

How to Reduce Development Costs by 30-40%

Proven Strategy:

Opt for hybrid app development using Flutter to build iOS/Android apps from single codebase. Use pre-built SDKs for UPI (NPCI-approved) and leverage open-source fraud detection tools. Partner with agencies having direct experience with Rupay and AEPS integrations.

Case Study: BharatPay’s Success Story

A Noida-based startup built a UPI-first wallet app for ₹22 lakh using:

React Native cross-platform framework
Razorpay-X for merchant payments
Aadhaar-based eKYC integration

Result: 80,000+ downloads in first quarter with 92% transaction success rate.

Future-Proofing Your Investment

Budget for these 2025-ready features:

Voice-enabled payments (₹1-2 lakh extra)
AI-driven spending analytics
Offline UPI via SMS/USSD

eWallet

Fully Customizable UI

Payment Processing

Convenient back

BDT eWallet is an adaptable software framework for payment processing, mobile wallet and digital assets management, empowering financial and non-financial institutions to allow their customers to securely send, store, and receive money and digital asset at a fingertip.

Designed with best UI and UX practices, BDT Mobile Wallet can be tailored to fit your branding seamlessly, and provides a hassle-free experience for your customers.

Plan For Your Creative Business

KYC dashboard
AML dashboard
Money laundering blacklists
Monitoring & Reporting
Smart Transaction Routing
Marketing Campaign management
Coupons and promotions
Enhanced user analytic
Reconciliation & Settlements

User roles
AI Chatbot
Fees management
Limits management
Transaction history
Transaction filters and export
Card issuing (virtual or physical)
Tokenization of payment card data
User, account, and card management

Bill payments
Request to pay
KYC & Onboarding
P2P money transfer
Payment Links
QR code payment
Fingerprint/Face ID login
Top-up from bank account, card, cash
Withdraw to bank account, card, cash

About Our Company

Bamboo Digital Technologies

As the overseas brand of Robust&Rapid System Co., a leading independent payment software vendor in China, BDT(Bamboo Digital Technologies) has accumulated the best practices in technology and business innovation from the world’s most dynamic marketplaces. We empower our clients with the tools necessary to accelerate financial inclusion.

Quick Support

info@bamboodt.com

All-inclusive Payment

BDT all-inclusive payment solution supports the complete lifecycle of a transaction，monitors transactions in real-time, runs risk checks, and consolidates payment data in one place!

Since 2011

Growth with Digital Payment Industry

200+

Happy Clients

100+

Technology Patents

20+

Industry Awards

About Our Company

Why we do?

At BDT, we believe that everyone has the right to access the necessary financial resources to achieve their goals, and helping to make this possible is worth fighting for.

What we do?

We are committed to helping our clients to provide better financial services that enable everyone to access the necessary financial resources. We see it as our mission to support our clients in delivering these services with greater efficiency and effectiveness. We are passionate about developing innovative financial technology solutions that make it easier for people to manage their finances and achieve their goals, and we believe that by partnering with our clients, we can make a positive impact in the industry.