SaaS-based lending infrastructure startup Roopya has secured ₹4 crore in a seed funding round, with Inflection Point Ventures (IPV) leading the investment.
The company plans to deploy the fresh capital to strengthen its lending infrastructure, scale operations, and expand its embedded finance capabilities across India.
With the latest capital infusion, Roopya aims to deepen its AI capabilities, onboard more lending partners, and position itself as a core infrastructure provider for India’s rapidly evolving fintech and digital lending ecosystem.
Founded by Sudipta Kumar Ghosh and Raman Vig in 2016, Roopya offers a no-code, AI-powered Lending-as-a-Service (LaaS) platform designed for NBFCs, banks, and fintech lenders.
Its technology enables financial institutions to launch loan products such as personal, business, and gold loans within 4–6 days, significantly reducing go-to-market timelines.
Roopya’s platform includes a fully automated Loan Origination System (LOS) covering e-KYC, underwriting, disbursement, and collections, while ensuring compliance with RBI guidelines. The startup claims its AI-driven infrastructure leverages over 350 data points for credit scoring, automated document analysis, and fraud detection, with accuracy levels of up to 99%.
Currently, Roopya works with more than 20 lenders and supports over 1,100 point-of-sale terminals across 10 states. The platform processes over 30,000 loans every month and has facilitated loan disbursals worth more than ₹100 crore in the ongoing financial year. On an annual basis, the company claims to handle nearly ₹200 crore in loan processing, with a reported year-on-year growth of 12%.
