FinShell Pay

FinShell Pay is an integrated service platform that provides financial services.

M-Kash India Financial Solutions Private Limited · com.finshell.fin

Not rated yet 100M+ downloads v4.2.33 20.6 MB Android 6.0+ PEGI 3 · Everyone

Download APK 20.6 MB All versions

Signature matches the Google Play version Details

At a glance

Latest version: v4.2.33 (402030)
Updated: Jan 14, 2026 (9 months ago)
APK size: 20.6 MB
Requires: Android 6.0+ (API 23)
CPU support: x86 32-bit, x86 64-bit, ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Jul 18, 2021
Permissions: 20 (6 sensitive)
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

FinShell Pay is an app by M-Kash India Financial Solutions Private Limited in the Finance category, listed since July 2021. It includes native code for x86 32-bit, x86 64-bit, ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

It asks for 20 permissions, 6 of them sensitive, including camera, read sms and send sms. It asks for the same permissions as version 4.2.23. The app can read the advertising ID that ad and analytics services use.

What's new in v4.2.33

1、Christmas is here！Discover festive updates and holiday surprises here 2、Experience smoother performance 3、Bugs fixed

Description

From the listing uploaded by “appupdater”.

FinShell Pay provides more than 8 Crore Indians with secure and convenient financial services. This super application not only takes care of your diverse financial needs, but also empowers you with a wide range of innovative services as well. FinShell Pay is your go-to destination for transforming your lifestyle. From personal loans to shopping discounts, and everything in between, we've got you covered. At FinShell Pay, your financial well-being is our priority and we are dedicated to providing you with the tools, resources, and services that help you to achieve your goals. On FinShell Pay experience our offerings: Get Personal loans: -Get Loan amount starting from Rs 2000 to 5 lac -Repay loan within 3-60 months -Annual percentage rate (APR) (per annum monthly reducing): 10.5 - 48% -Loan Processing fee: 0- 6% Please Note: Personal Loans are only available to Indian citizens within the territory of India Sample Case: Loan Amount- Rs.39600 ROI- 36% pa Tenure- 6 months Processing Fee (4%)- Rs.1584 GST (18% on Processing Fee)- Rs.285 Disbursal Amount- Rs.37731 (Loan Amount -processing fee -gst on processing fee) EMI Cycle EMI Amount Principal Interest 1 7311 6202 1109 2 7311 6309 1002 3 7311 6498 813 4 7311 6693 618 5 7311 6894 417 6 7311 7004 307 Total Amount User Pays Back- Rs.43866 (sum of EMIs) Get easy personal loans at easy EMIs from trusted loan partners (Type: NBFC) including: • EarlySalary Services Private Limited (product name show in Finshell Pay : Fibe) https://www.earlysalary.in/sourcing/ • InCred Financial Services Limited (product name show in Finshell Pay : Incred) https://www.incred.com/partnership/ Bill Payment via Bharat Connect (NPCI): Pay your EMI for loans, electricity bills, credit card and many more bills. Now never miss a payment by linking your bill to your account and be reminded of the payments before due date. Experience bill payment like never before. Coupon Centre: Attractive discount coupons from top merchants that you don’t want to miss. Now choose your favourite coupon from the list of categories including food, fashion, electronics, health etc. Quiz / Games: Get more than your expectation. Now don’t get bored, just explore the Quiz and Game section to have fun. Experience from the list of entertaining games and challenging quiz. Why limit yourself when you can always have some extra from your life! WHAT WE ENSURE? We ensure your “Security & Protection to your Privacy” Data security & privacy is our utmost priority. Apart from being standard compliant we have highest security standards & our backend APIs comply with mandated security standards and robust protocols. All the data is stored locally in India. We are always eager to hear from you- to understand what you want with your financial buddy FinShell Pay and how was your experience with us. Write to us on – [email protected] for all our thoughts.

Version history

4 versions are listed; the oldest rated Trusted is v4.1.93.

v4.2.33 LATEST Jan 14, 2026 20.6 MB TRUSTED v4.2.23 Dec 18, 2025 19.4 MB TRUSTED v4.1.93 Jan 13, 2026 19.6 MB TRUSTED v899.9999.999 Mar 31, 2024 9.4 MB UNKNOWN

All 4 versions

FinShell Pay among popular Finance apps

FinShell Pay is one of the 36 most downloaded apps in our Finance category.

FinShell Pay and the Finance apps ranked next to it by downloads
App	Rating	Downloads	Download size
Google Wallet	4.2 (227)	1B+	–
Paytm -UPI, Money Transfer, Recharge, Bill Payment	4.5 (171)	500M+	–
FinShell Pay (this app)	–	100M+	20.6 MB
CAIXA	3.8 (44)	100M+	–
Easypaisa - Payments Made Easy	4.3 (57)	100M+	82.7 MB

Apps listed next to it in our Finance ranking by downloads (pre-installed system apps left out). Ratings and download counts come from the source store; ratings with fewer than five votes and sizes of outdated listings aren't shown.

Security & authenticity

Security rating: Trusted

Signing certificate

Signature matches the Google Play version Checked by the source store on Jan 14, 2026.
Certificate issued to “FinShell” This is the certificate of the Google Play version.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature under review Jan 14, 2026
Validated against Google Play Jan 14, 2026
Signed by[email protected], CN=FinShellTeam, OU=FinShell, O=FinShell, L=Mumbai, ST=Maharastra, C=IN
Signing certificate (SHA-1)59:89:B3:03:90:B2:F1:00:FA:6F:5B:35:4D:4F:D5:9F:2E:FC:F3:CD
File MD543c32ad16887f2fef1f1a5a89ad7313d
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (20)

FinShell Pay requests 20 permissions, 6 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Camera Sensitive android.permission.CAMERA
Read phone status and identity Sensitive android.permission.READ_PHONE_STATE
Read sms Sensitive android.permission.READ_SMS
Receive sms Sensitive android.permission.RECEIVE_SMS
Send sms Sensitive android.permission.SEND_SMS
Access adservices ad id android.permission.ACCESS_ADSERVICES_AD_ID
Access adservices attribution android.permission.ACCESS_ADSERVICES_ATTRIBUTION
Advertising ID com.google.android.gms.permission.AD_ID
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Internal broadcast protection (app-defined) com.finshell.fin.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Mcs recieve mcs message (custom) com.coloros.mcs.permission.RECIEVE_MCS_MESSAGE
Mcs recieve mcs message (custom) com.heytap.mcs.permission.RECIEVE_MCS_MESSAGE
Prevent the device from sleeping android.permission.WAKE_LOCK
Read basic phone state android.permission.READ_BASIC_PHONE_STATE
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Show notifications android.permission.POST_NOTIFICATIONS
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Basic touch input android.hardware.faketouch
Location android.hardware.location
Portrait screen android.hardware.screen.portrait
Wi-Fi android.hardware.wifi

FinShell Pay APK: questions and answers

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the FinShell Pay APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. Its signature matches the Google Play version. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 43c32ad16887f2fef1f1a5a89ad7313d.