Roopya raises Rs 4 Cr in seed round led by Inflection Point Ventures

Roopya, a SaaS-based lending infrastructure platform, has raised Rs 4 crore in a seed funding round led by Inflection Point Ventures (IPV).

The company will use the funds to grow its lending operations and enhance its embedded finance services.

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Sudipta K Ghosh, Co-founder, Roopya says, “Our core belief is in democratizing credit access. By providing a SaaS-based Lending Infrastructure, we empower hundreds of lenders, from NBFCs to Fintechs, to efficiently serve the millions of customers who are currently underserve”.

Ankur Mittal, Co‑founder of Inflection Point Ventures, said “Roopya has built a technologically advanced platform that empowers institutions with limited access to high‑end lending solutions, in a volatile market where seamless access to credit is critical, their integrated approach has the potential to make lending more accessible and affordable across India. We are excited to back Roopya as they scale and transform the credit ecosystem responsibly”.

About Roopya 

Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya provides a SaaS-based lending platform for NBFCs and fintech lenders. Its no-code, AI-powered Lending-as-a-Service (LaaS) allows financial institutions to launch loan products in 4–6 days.

The platform features a fully automated Loan Origination System (LOS) that handles e-KYC, underwriting, disbursement, and collections, following RBI guidelines.

Roopya works with over 20 lenders, processing more than 30,000 loans each month. This fiscal year, it has handled loans worth over ₹100 crore and operates in 10 states, supporting more than 1,100 point-of-sale terminals.

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The startup claims it has cut operational costs by up to 30% and reduced loan processing time by over 50% for clients.

Currently, Roopya facilitates around ₹200 crore in annual loan processing and reports 12% year-on-year growth.

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