ECOSYSTEM INTELLIGENCE
Live
FinPilot Intelligence Console
Funding trends · sector benchmarks · risk signals · investor thesis patterns · peer intelligence — updated from verified platform data and public signals.
Signal Density
73
/100
Moat Layer
SIDBI VC ₹2,200 Cr deployed FY25
FinTech Seed avg deal ₹15.2 Cr
Sector Veritas Avg 67.4
Active FinTech investors (Q1 FY26) 38
DPIIT startups recognized FY26 55,200+
Your Veritas Score 74 / 100 (+12 since Aug)
Avg Seed→Series A (FinTech India) 18 months
TDS Q3 deadline Jan 31 · 10 days remaining
Karnataka Elevate 100 Applications Open · You're eligible
MEITY SISF Deadline Feb 28 · Application Active
FinPilot Sector Rank Top 28% · 312 peers
Sequoia Surge 3 new FinTech Seed checks this week
SIDBI VC ₹2,200 Cr deployed FY25
FinTech Seed avg deal ₹15.2 Cr
Sector Veritas Avg 67.4
Active FinTech investors (Q1 FY26) 38
DPIIT startups recognized FY26 55,200+
Your Veritas Score 74 / 100 (+12 since Aug)
Avg Seed→Series A (FinTech India) 18 months
TDS Q3 deadline Jan 31 · 10 days remaining
Karnataka Elevate 100 Applications Open · You're eligible
MEITY SISF Deadline Feb 28 · Application Active
FinPilot Sector Rank Top 28% · 312 peers
Sequoia Surge 3 new FinTech Seed checks this week
Signal Feed
Live
FUNDING
FinTech Seed deal closed — ₹12 Cr, B2B payments, Accel India
2h
RISK
TDS Q3 26Q deadline: Jan 31 — 10 days remaining. Not yet filed.
Alert
INTEL
Sector avg Veritas Score updated: 67.4 (was 66.8) — 312 peers
4h
SCHEME
Karnataka Elevate 100 applications open — FinPilot eligible
6h
FUNDING
Sequoia Surge deployed 3 new Seed checks in FinTech this week
8h
POLICY
DPIIT recognized 55,200+ startups in FY 2025-26 (PIB Apr 17)
1d
BENCH
FinPilot ranks Top 28% in FinTech India by Veritas Score
1d
SCHEME
MEITY SISF deadline Feb 28 — your application in progress
2d
RISK
PF monthly deposit for Dec 2024 overdue — file immediately
2d
INTEL
Avg Seed→Series A time in FinTech India: 18 months (platform data)
3d
FUNDING
SIDBI VC deployed ₹2,200 Cr in startup investments in FY25
4d
BENCH
FinTech Series A median size: ₹28 Cr — up 15% YoY
5d
POLICY
Startup India Seed Fund routed ₹480 Cr through incubators in FY25
1w
INTEL
Company A (peer): Secured Series A ₹22 Cr at Veritas Score 82 — Accel India
1w
FinTech Funding — Quarterly
High confidence
₹12.0Cr
Q1 FY25
₹13.5Cr
Q2 FY25
₹14.8Cr
Q3 FY25
₹9.8Cr
Q4 FY25
₹14.2Cr
Q1 FY26
88
Q1 FY26 deals
₹16.1 Cr
Avg deal size
Most Active Investors — FinTech
Platform + public
SIDBI VC
Seed–Series A
38
Sequoia Surge
Seed–Series A
32
Accel India
Series A+
28
Blume Ventures
Seed
24
Better Capital
Pre-Seed–Seed
21
Intel
SIDBI + Sequoia are most active in your sector. Both have previously invested in FinPilot peers.
Active Scheme Landscape — FinTech / DPIIT Recognised
Government + platform
| Scheme | Agency | Quantum | Your Status | Deadline | Signal |
|---|---|---|---|---|---|
| DST-NIDHI Prayas | DST | ₹10–25 L | Match — Applied | Rolling | ↑ High success rate |
| MEITY SISF | MEITY | ₹20 L | Match — In Progress | Feb 28 | ↑ Application active |
| SIDBI STAR | SIDBI | ₹1 Cr | Partial eligible | Rolling | → Revenue stage check |
| Karnataka Elevate | Govt of Karnataka | ₹1 Cr (soft loan) | Eligible — Not applied | Mar 15 | ↑ Apply before Jan 31 |
| Startup India Seed Fund | DPIIT/Incubator | ₹20–50 L | Via T-Hub (incubator) | Rolling | → Ask T-Hub to nominate |
| NASSCOM 10K | NASSCOM | Non-cash resources | Eligible | Rolling | → Enroll for tech credits |
| iCreate | iCreate Gujarat | ₹25 L | Eligible | Rolling | → 14-day application |
| BIRAC BIG | BIRAC | ₹50 L | No Match | Mar 31 | ✕ BioTech only |
Compliance Risk
69
TDS Q3 + PF overdue — file by Jan 31
Diligence Risk
68
Data room gaps — 6 documents missing
Cap Table Risk
71
Bridge note conversion unrecorded
Governance Risk
82
Board meeting Q1 scheduled — on track
Financial Risk
75
MIS Nov overdue — 22 days late
Dispute Risk
95
No active disputes — clean record
Active Risk Signals
3 High Priority
| Risk | Category | Severity | Days Active | Action Required | Score Impact |
|---|---|---|---|---|---|
| TDS Q3 26Q overdue | Tax Compliance | HIGH | 10 days | File by Jan 31 — penalties accrue after | ↓ -4 pts if missed |
| PF Dec deposit overdue | Labor Compliance | HIGH | 6 days | Transfer PF for December immediately | ↓ -3 pts |
| MIS Nov overdue to investor | Governance | HIGH | 22 days | Submit immediately — SHA obligation breach risk | ↓ -2 pts |
| Bridge note not recorded | Cap Table | MEDIUM | 42 days | Record ₹2 Cr conversion event in cap table | ↓ -3 pts |
| ESOP grant letters missing (3) | HR / ESOP | MEDIUM | 8 days | Issue letters to 3 pending employees | ↓ -2 pts |
| AWS contract expiring Feb 26 | Infrastructure | LOW | 14 days | Renew or upload updated agreement | ↓ -1 pt |
Risk Patterns — FinTech Seed Peers
Platform anonymised data
#1 Most common risk
Compliance Health below 70
67% of peers have a compliance gap similar to yours
#2 Most common
Data Room incomplete
54% of Seed-stage FinTechs lack a complete VDR
#3 Friction point
Cap table discrepancy
41% of DD processes stall due to unrecorded events
Risk Intel
FinPilot's biggest relative risk is MIS overdue to investor (22 days) — this is a SHA contractual breach that can impair investor relations before Series B outreach. Fix immediately.
Veritas Score Progression vs Sector
Platform data
You (74)
Sector avg (67)
Top quartile (82)
Operating KPIs vs Sector Peers
Self-reported + verified
MRR Growth (YoY)
3.2×
avg 2.1×
+52% above avg
Burn Multiple
0.4
avg 0.6
Efficient
Runway
28 mo
avg 18 mo
+10M above avg
CAC Payback
7 mo
avg 9 mo
Better than avg
Gross Margin
68%
avg 62%
Above average
Performance signal
FinPilot's operating metrics are consistently above sector median. This positions you well for Series B investor conversations.
Fundraising Readiness — FinPilot vs Series B Threshold
Platform scoring
Legal Hygiene
82
Need: 75+
✓ Ready
Cap Table
71
Need: 80+
✗ Gap
Compliance
69
Need: 80+
✗ Gap
Diligence Readiness
68
Need: 80+
✗ Gap
Data Room
64
Need: 80+
✗ Gap
Fundraising signal
3 of 5 Series B thresholds not yet met. Diligence Readiness (68) and Data Room (64) are the priority gaps — both require 80+ before approaching Tier-1 VCs. Estimated 6–8 weeks to close these gaps.
Full Benchmark Matrix — FinTech Seed India
312 peers · platform anonymised
Veritas Score
74
+7
Legal Hygiene
82
+10
Company Hygiene
78
+8
Cap Table Cleanliness
71
+3
Compliance Health
69
+4
Document Completeness
76
+14
Diligence Readiness
68
+7
Financial Hygiene
75
+12
Data Room
64
+6
Founder Reliability
88
+14
Dispute Exposure
95
+7
Sector avg
Top quartile
FinPilot
Peer Activity Signals — Anonymised
Platform anonymised
| Peer | Stage | Veritas | Recent Activity | Signal for FinPilot |
|---|---|---|---|---|
| Company A FinTech | Seed | 82 ↑ | Closed Series A — ₹22 Cr — Accel India — Jan 2025 | Series A at 82 score. FinPilot at 74 — 8 pts gap to close. |
| Company B FinTech | Seed | 61 ↓ | 2 compliance filings missed — investor placed on watch — Dec 2024 | Compliance decline = investor concern. FinPilot's overdue TDS is a similar risk. |
| Company C FinTech | Pre-Seed | 78 ↑ | MEITY SISF ₹20L grant accepted — Southeast Asia expansion — Jan 2025 | MEITY SISF viable — FinPilot's application in progress, same eligibility. |
| Company D SaaS | Seed | 80 | Passed due diligence in 18 days — term sheet from SIDBI VC — Jan 2025 | SIDBI's fast DD (18d) is achievable — prep data room + compliance now. |
Intelligence-Driven Recommendations
Ranked actions based on funding potential, risk reduction, and peer signals
1
File TDS Q3 return by Jan 31
Prevents -4 pts Veritas score drop. Company B (peer) lost investor trust from similar delay. Deadline in 10 days.
Compliance Health
+4 pts
+4 pts
2
Submit Nov 2024 MIS to Sequoia Surge
22-day delay is technically a contractual breach. Resolving immediately prevents escalation before Series B investor conversations.
Governance / SHA
SHA risk cleared
SHA risk cleared
3
Complete data room — add Technical + HR folders
Company D closed DD in 18 days with a complete data room. Your current 64/100 data room is the #2 DD bottleneck across FinTech peers.
Diligence Readiness
+3 pts DD readiness
+3 pts DD readiness
4
Record ₹2 Cr bridge note conversion in cap table
41% of DD processes stall due to unrecorded events. This is the #3 most common friction for FinTech Seed startups on platform.
Cap Table
+3 pts cap table
+3 pts cap table
5
Apply for Karnataka Elevate 100 (deadline Mar 15)
You are eligible. ₹1 Cr soft loan. Only 8% of eligible startups apply before the mid-Feb window closes.
Capital / Scheme
Capital access
Capital access
6
Engage CA for ESOP Rule 9C valuation (pre Tranche 3)
Tranche 3 (₹10 Cr) triggers FEMA FC-GPR within 30 days. Pre-arrange valuation report now — typical lead time 2 weeks.
ESOP Compliance
Risk prevention
Risk prevention
7
Issue 3 pending ESOP grant letters
Employee disputes over entitlement are the #1 HR legal risk for FinTech Seed startups. Close this gap before team grows.
HR / ESOP
+2 pts ESOP
+2 pts ESOP
8
Set Veritas Score share with SIDBI + Accel before outreach
Company A secured Series A at Veritas 82. Pre-sharing your score (74) with a short remediation note builds trust before the term sheet conversation.
Investor Relations
Deal preparation
Deal preparation
Data sources:
TransactionVeritas platform (312 anonymised peers) · DPIIT / PIB public data (Apr 2026) · SIDBI annual report FY25 · Government grant programme portals · Internal Veritas Score engine
High: market + benchmark data
Medium: peer signals
Low: predictive projections