The rise of Financial Technology (Fintech) has radically transformed India’s economic framework, transitioning the financial sector from a reliance on physical bank branches toward a digital, "mobile-first" infrastructure. This study investigates the transformative impact of Financial Technology (Fintech) on financial inclusion in India, identifying the key drivers that have propelled the nation to a global leadership position in digital finance. Adopting a secondary research methodology, the study analyzes data from the Reserve Bank of India (RBI), National Payments Corporation of India (NPCI), and global financial databases. The findings reveal a significant upward trend in India’s Financial Inclusion Index (FI-Index), which rose from 43.4 in 2017 to 67.0 in March 2025. Key drivers identified include the robust Unified Payments Interface (UPI) infrastructure, rapid smartphone penetration, and supportive regulatory frameworks like "Digital India." Notably, the research highlights that India dominates the global real-time payments landscape with a 49% share of world volume, totaling 129.3 billion transactions. Furthermore, Fintech adoption has effectively reduced the gender gap in financial access by 23% and significantly expanded credit reach through digital lending, with over 10.9 crore loans sanctioned in the 2024–25 fiscal year. The study concludes that Fintech is no longer a mere disruptor but the primary engine of financial inclusion, bridging the "last-mile" gap for the underbanked and establishing a transparent, digitally-empowered financial ecosystem for India’s future.