Fintech SaaS startup Roopya has secured ₹4 crore in a seed funding round led by Inflection Point Ventures. The capital will be deployed to strengthen Roopya’s lending infrastructure capabilities and expand its embedded finance offerings as demand for agile digital lending solutions accelerates across India.
The investment comes amid a rapid expansion of India’s digital lending ecosystem, with total digital loan disbursements projected to surpass ₹3.6 lakh crore by 2030. As traditional banks, NBFCs, and fintech players transition away from legacy systems, Roopya is positioning itself as a no-code, AI-powered lending infrastructure platform built for speed, compliance, and scalability.
Building India’s First Fully Automated Loan Origination System
Roopya operates a cloud-native “Lending-as-a-Service” (LaaS) platform that enables financial institutions to launch customized loan products within four to six days — a significant improvement over the months typically required using conventional infrastructure.
At the core of its offering is a fully automated Loan Origination System (LOS) that digitizes the complete credit lifecycle, including e-KYC, application processing, underwriting, disbursement, and collections. Designed in alignment with RBI regulatory standards, the platform ensures seamless compliance while improving operational efficiency for lenders.
The company has been recognized as one of the first Indian fintech firms designated as a “Specified User” under the RBI CICRA Act (September 2022), granting it access to credit bureau data for advanced analytics and underwriting capabilities. This regulatory recognition strengthens Roopya’s credibility in a highly regulated financial environment.
Strong Market Traction Across States
Roopya has processed loans worth over ₹100 crore in the current fiscal year and currently facilitates approximately ₹200 crore in annual loan processing volume. The platform operates across 10 states and supports more than 1,100 point-of-sale terminals, helping NBFCs and microfinance institutions access advanced digital lending technology previously limited to larger players.
The startup works with over 20 lending partners collectively processing more than 30,000 loans each month. It reports consistent month-on-month growth of 15–20% and an annual growth rate of 12%.
Operational impact metrics underscore the platform’s value proposition, including up to 30% reduction in operational costs, 25% lower default rates, and more than 50% reduction in loan processing time.
Founders Bring Banking and Technology Expertise
Roopya was founded by Sudipta Kumar Ghosh and Raman Vig, combining institutional banking experience with deep technical expertise. Raman Vig previously served as Vice President at CRIF and held senior leadership roles at HDFC Bank, Deutsche Bank, and ICICI Bank. Sudipta K. Ghosh brings experience from Tata Administrative Services (TAS) and Tata Capital, offering strong domain understanding of credit cycles, compliance frameworks, and enterprise-grade systems.
Their combined experience has enabled Roopya to build a platform tailored for India’s fast-evolving credit ecosystem.
Addressing a ₹20,000 Crore Lending Infrastructure Market
India’s lending infrastructure market is estimated at ₹20,000 crore and is growing at 15–17% annually. With more than 2,500 active NBFCs and a growing ecosystem of fintech Loan Service Providers (LSPs), Roopya sees significant opportunity in providing modular, scalable digital lending infrastructure.
For Inflection Point Ventures, which has invested over ₹1,200 crore across 280+ startups and backed 18 startups in Q4 2025 alone, the investment reflects continued confidence in fintech innovation and infrastructure-led financial inclusion.
With fresh capital and growing adoption, Roopya aims to deepen its footprint in embedded finance and expand its AI-driven lending stack, positioning itself as a foundational layer for India’s next-generation credit ecosystem.
Leadership Quotes
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”.
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”.
Also read – OneARVO Raises ₹12.3 Million in Pre-Seed Funding Led by Inflection Point Ventures
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