When ET Money launched in 2016, its mission was bold: to empower Indians to take charge of their financial futures. By simplifying access to mutual funds, stocks, insurance, and loans, the platform quickly became a trusted destination for wealth-first financial planning.
But with ambition comes complexity. Every product launch introduced new customer expectations. Every investor brought with them the need for speed, clarity, and reliability — especially when it came to payments. That’s where Razorpay entered the story: not as a quick fix, but as a long-term infrastructure partner in ET Money’s growth journey.
Scaling With Purpose
By 2019, ET Money was on a strong growth trajectory. As the product suite expanded, so did the platform’s user base and transaction volumes. To continue delivering a seamless experience, the team began future-proofing its infrastructure — starting with payments.
After evaluating partners, ET Money chose Razorpay for its fully digital, API-first architecture — one that aligned well with the company’s product philosophy. Razorpay’s integration quickly became a strategic enabler, powering a growing share of transactions across critical use cases with products like e-mandates, Route, UPI Autopay, and the UPI-TPV flow.
At the core of this success was Razorpay’s UPI Stack, designed to handle high-intent, high-frequency transactions with unmatched speed and reliability.
Delivering Certainty, At Speed
For ET Money’s investors, timing matters. Market fluctuations can influence decisions, and ensuring quick settlements is crucial to delivering the experience users expect. Recognizing this, ET Money worked closely with Razorpay to unlock T0 (same-day) settlements — an industry-leading feature enabled through Razorpay’s partnership with banks.
Better Insights, Faster Resolutions
As volumes grew, the ET Money team looked to streamline internal operations and reduce support dependencies. Razorpay’s smart dashboards and detailed reporting suite played a pivotal role here — offering real-time visibility into every transaction and enabling the team to solve queries proactively.
Rather than reactive troubleshooting, ET Money could now provide instant, insight-driven support, especially in time-sensitive flows like investments and SIP failures.
Built to Adapt, Built to Comply
Regulatory clarity is foundational to ET Money’s approach. So when SEBI introduced new mandates around credit MIS reports, ET Money and Razorpay moved fast to stay ahead. Razorpay’s PG Stack was quickly updated to send source-of-credit reports directly to fund houses across UPI, Netbanking and Mandates, while also giving ET Money real-time dashboard access for internal reconciliation.
Collaboration That Drives Resilience
No system is immune to occasional market-wide shifts or ecosystem-level bottlenecks — like those caused by intermittent banking issues. But what distinguishes a great partner is how they respond.
When a temporary UPI disruption impacted a subset of users from one bank, Razorpay worked closely with the ET Money team to intelligently reroute traffic using dynamic UPI routing and proactively coordinated with NPCI and bank partners to expedite resolution.
Looking Ahead
Today, ET Money continues to reimagine the future of personal finance — expanding its platform to include even more high-impact financial products, while deepening user trust across every touchpoint.
The next focus? Leveraging Razorpay’s advanced tools like Turbo UPI to unlock even higher success rates and build frictionless journeys for first-time investors.
“We see Razorpay as more than an infrastructure provider,” said ET Money. “They’re part of our product team — pushing us to be faster, smarter, and more user-first.”
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