Razorpay, India’s leading full-stack payments and financial technology company, was co-founded in December 2014 by Harshil Mathur and Shashank Kumar in Bangalore, India. Today, Razorpay CEO Harshil Mathur leads the company’s mission to simplify digital payments for businesses across India and beyond. With a valuation of $9.2 billion following its Series G funding round, Razorpay processes over 30% of all internet payments in India and serves millions of businesses. Under Mathur’s leadership, the company has grown from a two-person startup rejected by over 100 investors into one of Asia’s most valuable fintech unicorns, currently preparing for a landmark IPO expected in late 2026.

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Harshil Mathur – Quick Facts

Razorpay Competitors

Razorpay operates in India’s fiercely competitive digital payments and fintech space. The key competitors of Razorpay include:

• PhonePe (Walmart-backed) – India’s largest UPI payment platform
• Paytm (One97 Communications) – diversified fintech and payments
• Stripe – global online payments infrastructure
• PayU (Prosus/Naspers) – major payment gateway in India
• Cashfree Payments – payment solutions for businesses
• BillDesk – enterprise digital payments
• Pine Labs – merchant commerce and POS solutions
• Juspay – payment orchestration platform

Harshil Mathur Net Worth 2026 – Razorpay CEO Salary

As of 2026, Harshil Mathur’s net worth is estimated at approximately $1.04 billion (₹8,643 crore), according to the Hurun Global Rich List 2025. This makes him and co-founder Shashank Kumar the youngest billionaires in India. Mathur’s wealth is derived entirely from his equity stake in Razorpay, which was valued at $9.2 billion following its Series G funding round in 2025.

Since Razorpay remains a private company, Harshil Mathur’s exact salary is not publicly disclosed. However, as a co-founder CEO of a company valued at over $9 billion with more than 3,000 employees, his total compensation likely includes a base salary, performance bonuses, and significant equity-based compensation. His wealth is expected to increase substantially when Razorpay completes its anticipated IPO in late 2026, which could value the company even higher.

Razorpay Financial Summary (FY2025 vs FY2024)

Razorpay CEO Email Address | Harshil Mathur Contact

Below are the official contact details and social media profiles for Razorpay CEO Harshil Mathur:

Early Life & Education

Harshil Mathur was born in approximately 1991 in Jaipur, Rajasthan, into a middle-class Indian family. Growing up in the Pink City, Mathur developed an early interest in technology and problem-solving. He was academically gifted and went on to earn admission to one of India’s most prestigious engineering institutes.

Mathur enrolled at the Indian Institute of Technology (IIT) Roorkee in 2009, where he pursued a Bachelor of Technology (B.Tech) degree, graduating in 2013. It was at IIT Roorkee that he met Shashank Kumar, who would later become his co-founder at Razorpay. The two shared a passion for technology and entrepreneurship, and their time at IIT Roorkee laid the foundation for what would become one of India’s most successful fintech companies.

IIT Roorkee, originally established in 1847 as the Thomason College of Civil Engineering, is one of India’s oldest and most respected technical institutions. Its rigorous engineering curriculum and vibrant campus culture have produced some of India’s leading entrepreneurs and technologists.

Career History

After graduating from IIT Roorkee in 2013, Mathur took a somewhat unconventional path before entering the world of fintech. Here is his complete career timeline:

Harshil Mathur Career Timeline

Schlumberger: From Oil Fields to Fintech

Immediately after graduating from IIT Roorkee, Mathur joined Schlumberger, one of the world’s largest oilfield services companies, as a Wireline Field Engineer. He spent roughly eight months working in remote oil fields — an experience that, by his own account, gave him the resilience and grit needed for startup life. The harsh conditions and demanding work schedule in oil exploration would later serve him well when facing the relentless challenges of building a fintech company from scratch.

Founding Razorpay

In late 2014, Mathur and his IIT Roorkee batchmate Shashank Kumar identified a critical gap in India’s digital payments infrastructure. At the time, accepting online payments was extremely difficult for Indian businesses — the process was complex, expensive, and unreliable. The duo set out to build a modern, developer-friendly payment gateway that would make it as easy for Indian businesses to accept payments as it was in the United States.

The early days were far from easy. Mathur and Kumar were rejected by over 100 investors before gaining traction. Their breakthrough came when they were accepted into Y Combinator’s Winter 2015 batch in San Francisco — one of the first Indian fintech companies to receive backing from the prestigious accelerator. This validation opened doors, and Razorpay quickly began gaining customers and investor confidence.

CEO Role & Company Growth

As CEO, Harshil Mathur has been the driving force behind Razorpay’s evolution from a simple payment gateway into a full-stack financial services platform. Under his leadership, Razorpay has expanded its product suite to include:

• Razorpay Payment Gateway — accepting 100+ payment modes including UPI, cards, net banking, and wallets
• RazorpayX — business banking platform for payroll, vendor payments, and tax compliance
• Razorpay Capital — lending products including working capital loans and cash advances
• Razorpay POS — offline payment solutions via Ezetap acquisition
• Razorpay Rize — startup banking and compliance tools
• Agentic Payments — AI-powered conversational commerce integrations (launched 2026)

Razorpay now processes over 30% of all internet payments in India with an annualized Total Payment Volume (TPV) of $180 billion. The company serves millions of businesses, from small startups to large enterprises like Facebook, Airtel, Ola, and BookMyShow.

Leadership & Achievements

Harshil Mathur’s leadership has been recognized with numerous awards and honors across the Indian and global business landscape:

• Forbes 30 Under 30 Asia (2020, 2021) — recognized as a leading young disruptor in fintech
• Fortune 40 Under 40 (2024) — honored for building India’s fintech infrastructure
• EY Entrepreneur of the Year (2022) — recognized for exceptional entrepreneurship
• Best New Age Entrepreneur (2024) — celebrated for innovation in digital payments
• Entrepreneur Magazine “Top 35 Under 35” (2021) — young entrepreneur recognition
• International Business Times “Top 20 CEOs” (2024) — visionary leadership award
• LinkedIn Power Profiles India (Technology) (2017, 2018) — most influential tech leader
• ET Startup Awards “Startup of the Year” (2022) — Razorpay won the top prize
• Y Combinator Top 50 (2023) — Razorpay recognized as one of YC’s highest-revenue companies
• Hurun India Rich List Youngest Billionaire (2025) — at age 34, one of India’s youngest billionaires

Under Mathur’s strategic direction, Razorpay has completed eight acquisitions, including Ezetap (offline payments), PoshVine (loyalty), IZealiant (banking technology), and others — expanding the company’s capabilities across the entire financial services value chain.

AI and Agentic Commerce Vision

In 2025–2026, Mathur has positioned Razorpay at the forefront of AI-powered commerce. The company launched Agentic Payments, enabling users to complete purchases through AI chat interfaces on platforms like Claude, ChatGPT, and others. Mathur has stated that “AI is the transformational change of our generation” and has embedded artificial intelligence across Razorpay’s operations — from fraud detection and risk management to customer service and product development.

Personal Life

Harshil Mathur, approximately 34 years old as of 2026, is based in Bangalore, India. Despite building a billion-dollar fintech empire, Mathur maintains a relatively low public profile compared to many other Indian tech founders. He is known to keep his personal and family life private, with very limited information available about his relationships or home life.

Mathur has spoken publicly about how his eight months at Schlumberger — working in remote oil fields under physically demanding conditions — instilled in him the mental toughness and resilience required to survive the grueling early days of startup life. He often draws parallels between the isolation and problem-solving demands of oil field engineering and the challenges of building a fintech company from zero.

He is passionate about India’s digital transformation and frequently speaks at international conferences including the World Economic Forum in Davos (2025), where he discussed India’s leadership in digital payments innovation. Mathur is an advocate for making financial services accessible to every business in India, regardless of size.

Fun Fact

Before founding one of India’s largest payment companies, Mathur worked as a wireline field engineer at Schlumberger — one of the world’s largest oilfield services companies. The jump from oil rigs to payment APIs is one of the most unusual career pivots in Indian fintech history. He and Shashank Kumar were also rejected by over 100 investors before Razorpay got its first funding.

Harshil Mathur Salary & Net Worth

As Razorpay is a private company that has not yet gone public, Harshil Mathur’s exact salary and compensation package are not disclosed in public filings. However, his overall wealth can be estimated based on his equity ownership in Razorpay:

About Razorpay

Razorpay is an Indian full-stack financial technology company headquartered in Bangalore, Karnataka. Co-founded in December 2014 by Harshil Mathur and Shashank Kumar, the company provides digital payment solutions, business banking, lending, and other financial services to businesses of all sizes. Key facts about Razorpay:

Razorpay received its Payment Aggregator-Cross Border licence from the Reserve Bank of India in December 2025, enabling it to process international payments. The company completed its reverse flip to India in May 2025 and converted into a public entity in April 2025, setting the stage for its highly anticipated domestic IPO.

Frequently Asked Questions (FAQ)

Who is the CEO of Razorpay?

The CEO of Razorpay is Harshil Mathur, who co-founded the company in December 2014 along with Shashank Kumar. Mathur has led Razorpay from a small payment gateway startup to India’s most valuable fintech company, valued at $9.2 billion.

What is Harshil Mathur’s net worth in 2026?

Harshil Mathur’s estimated net worth is approximately $1.04 billion (₹8,643 crore) as per the Hurun Global Rich List 2025. His wealth is derived from his equity stake in Razorpay. At age 34, he is one of India’s youngest billionaires.

What is Razorpay CEO’s salary?

Harshil Mathur’s exact salary is not publicly disclosed since Razorpay is a private company. His wealth comes primarily from his equity stake in the company, which is valued at over $9 billion.

What is Razorpay CEO’s email address?

Razorpay CEO Harshil Mathur can be contacted at [email protected]. For general business inquiries, visit razorpay.com/contact.

What is Razorpay’s valuation?

Razorpay is valued at $9.2 billion following its Series G funding round in 2025. The company has raised a total of over $742 million across 11 funding rounds from investors including Tiger Global, Sequoia Capital, and GIC (Singapore’s sovereign wealth fund).

What percentage of Indian online payments does Razorpay process?

Razorpay processes over 30% of all internet payments in India, making it the country’s largest online payment gateway by market share.

What is Harshil Mathur’s education?

Mathur holds a B.Tech from IIT Roorkee (2009–2013). He was also part of Y Combinator’s Winter 2015 batch in San Francisco.

Is Razorpay going public?

Yes, Razorpay is preparing for a domestic IPO expected in late 2026. The company completed its reverse flip to India in 2025 and has selected Axis Capital, Kotak Mahindra Capital, JP Morgan, and Citibank as listing advisers for a potential issue size exceeding $700 million.

Conclusion

Harshil Mathur’s journey from a middle-class family in Jaipur to becoming one of India’s youngest billionaires is a remarkable story of perseverance, vision, and execution. Co-founding Razorpay at age 23 after being rejected by over 100 investors, Mathur has built the company into India’s undisputed fintech leader — processing 30% of the country’s internet payments and commanding a $9.2 billion valuation. With Razorpay’s IPO on the horizon and its expansion into AI-powered agentic commerce, Mathur continues to shape the future of digital payments not just in India, but across the globe. As Razorpay prepares for its public market debut, all eyes will be on Mathur’s next chapter of growth and innovation.

Article last updated: March 2026