SaaS-based lending infrastructure startup Roopya has raised Rs 4 crore in a seed funding round led by Inflection Point Ventures. The fresh capital will be used to strengthen the company’s technology backbone, scale its lending infrastructure, and expand its embedded finance offerings.
The funding marks an important step for the young fintech player as it seeks to deepen its presence in India’s rapidly evolving digital lending ecosystem.
Building a No-Code Lending Backbone for Financial Institutions
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya operates a SaaS-based Lending-as-a-Service platform designed for non-banking financial companies and fintech lenders. Its no-code, AI-powered technology stack enables financial institutions to roll out new loan products in as little as four to six days.
The platform is built to simplify and automate the entire lending lifecycle. By eliminating the need for complex technology development, Roopya allows lenders to launch, manage, and scale credit products more efficiently. This approach is particularly useful for institutions aiming to introduce embedded finance solutions without investing heavily in internal tech infrastructure.
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End-to-End Automation with Regulatory Alignment
Roopya’s platform includes a fully automated Loan Origination System that covers key stages of the lending process. These include electronic Know Your Customer verification, underwriting, loan disbursement, and collections management.
The system is designed to function in alignment with guidelines issued by the Reserve Bank of India, ensuring that lenders can operate within the regulatory framework while maintaining operational efficiency. By integrating compliance measures directly into the platform, the company aims to reduce manual oversight and potential regulatory risks for its clients.
Expanding Reach Across States and Lending Partners
Roopya currently works with more than 20 lending partners that collectively process over 30,000 loans every month through its infrastructure. During the current fiscal year, the company reports that loans worth more than Rs 100 crore have been processed on its platform.
The startup operates across 10 states and supports more than 1,100 point-of-sale terminals. This distribution network allows lenders to extend credit access across multiple geographies while relying on a unified digital infrastructure. The scale of operations highlights Roopya’s growing footprint in the lending technology space.
Improving Cost Efficiency and Turnaround Time
According to company data, Roopya’s technology has helped clients reduce operational costs by up to 30 percent. In addition, the platform is reported to cut loan processing time by over 50 percent.
Such improvements are significant in a market where speed and cost efficiency are critical factors in customer acquisition and retention. By automating key processes and reducing manual intervention, Roopya aims to help lenders improve service delivery while maintaining profitability.
Steady Growth in Loan Processing Volumes
On an annual basis, Roopya facilitates approximately Rs 200 crore in loan processing. The company also reports a 12 percent year-on-year growth rate, indicating steady expansion in transaction volumes and partner engagement.
The seed funding is expected to further accelerate this growth trajectory. With additional capital, Roopya plans to enhance its platform capabilities and broaden its embedded finance solutions, enabling lenders to integrate credit offerings seamlessly into their existing customer journeys.
As digital lending continues to evolve in India, infrastructure providers like Roopya are positioning themselves as critical enablers for financial institutions seeking agility, compliance, and scale. The latest funding round reflects investor confidence in the company’s technology-driven approach and its potential to play a larger role in the country’s fintech landscape.
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