Roopya, a SaaS-based lending infrastructure provider, has secured ₹4 crore in a seed funding round led by Inflection Point Ventures (IPV). The company intends to deploy the capital to scale its proprietary technology stack and accelerate the expansion of its embedded finance capabilities.
Founded by industry veterans Sudipta Kumar Ghosh and Raman Vig, Roopya addresses the technical bottlenecks that often delay the rollout of credit products. The startup’s core offering is a no-code, AI-powered Lending-as-a-Service (LaaS) platform designed specifically for Non-Banking Financial Companies (NBFCs) and fintech lenders.
While traditional infrastructure often requires months of development, Roopya’s stack allows financial institutions to launch customized loan products within four to six days.
Streamlining the Credit Lifecycle
The platform features a fully automated Loan Origination System (LOS) that handles the entire lending journey. This includes:
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Automated Compliance: Integrated e-KYC and underwriting processes that adhere to RBI guidelines.
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Operational Efficiency: End-to-end management of disbursements and collections.
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Scalability: A no-code interface that allows lenders to adjust parameters without deep technical intervention.
According to the company, the implementation of this technology has resulted in a 30% reduction in operational costs and has cut loan processing times by more than 50% for its partners.
Market Traction and Growth
Roopya has already established a significant footprint in the Indian lending market. The platform currently supports over 20 lenders who collectively process upwards of 30,000 loans per month. With operations spanning 10 states and supporting more than 1,100 point-of-sale terminals, the startup is facilitating approximately ₹200 crore in annual loan processing.
In the current fiscal year alone, Roopya has processed loans worth over ₹100 crore, maintaining a steady 12% year-on-year growth rate. This latest infusion of capital from IPV positions the firm to further penetrate the burgeoning digital lending sector, where speed-to-market and regulatory compliance have become primary differentiators for financial institutions.
By: Sandhya Bharti
