Roopya, a fintech SaaS startup headquartered in Kolkata and Gurugram, has raised ₹4 crore in a seed funding round led by Inflection Point Ventures as it looks to strengthen its lending infrastructure and expand its embedded finance capabilities across India.
Through this funding, Roopya aims to accelerate product development and scale its cloud-native lending stack at a time when financial institutions increasingly seek faster, more flexible alternatives to legacy systems. The startup operates a no-code, AI-powered Lending-as-a-Service platform that allows banks, NBFCs, and fintech companies to launch fully customised loan products within four to six days, thereby dramatically reducing the time, cost, and operational complexity of traditional lending workflows.
Roopya’s fully automated Loan Origination System digitises the entire credit lifecycle. As a result, the platform manages processes such as e-KYC, underwriting, disbursement, and collections while ensuring adherence to regulatory requirements. Consequently, lenders can deploy credit products faster while maintaining compliance and risk discipline.
Commenting on the investment, Ankur Mittal, Co-founder of Inflection Point Ventures, said Roopya has developed a technologically advanced platform that empowers institutions with limited access to sophisticated lending solutions. He added that in a volatile market where seamless access to credit remains critical, Roopya’s integrated approach has the potential to make lending more accessible and affordable across India. Therefore, Inflection Point Ventures sees strong long-term value in backing the company as it scales and responsibly reshapes the credit ecosystem.
At the same time, Roopya has achieved a key regulatory milestone by becoming one of the first Indian fintech firms designated as a “Specified User” under the RBI’s CICRA framework. This status allows the company to access credit bureau data for advanced analytics and underwriting, which further strengthens its risk assessment capabilities. Currently, the platform works with more than 20 lending partners, processes over 30,000 loans every month, and records consistent month-on-month growth of 15 to 20 percent.
Raman Vig, Co-founder of Roopya, said the Indian lending landscape now prioritises speed of execution and precision in risk assessment rather than capital alone. He explained that the company is witnessing strong adoption among mid-market NBFCs that are moving away from heavy CAPEX-driven models toward Roopya’s flexible, pay-per-use infrastructure. Moreover, by enabling embedded finance directly at the point of sale, Roopya helps its customers expand their reach and serve underserved segments with significantly higher efficiency.
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya has processed loans worth more than ₹100 crore in the current financial year. Meanwhile, the company operates across 10 states and supports over 1,100 point-of-sale terminals nationwide. According to the startup, its technology helps lenders cut operational costs by up to 30 percent, reduce default rates by 25 percent, and slash loan processing time by more than half.
The fresh capital arrives amid rapid expansion in India’s digital lending market, where financial institutions increasingly migrate from legacy systems to cloud-native infrastructure. Looking ahead, Roopya plans to deploy the funds to deepen its technology stack, onboard additional financial institutions, and scale embedded finance solutions aimed at underserved borrowers across the country.
