Kolkata-based Roopya has raised Rs 4 crore in a seed funding round led by Inflection Point Ventures (IPV), with participation from Adelaar Consulting LLP. The fresh capital will be used to strengthen its lending infrastructure and expand its embedded finance capabilities.
The investment comes amid rapid growth in India’s digital lending ecosystem. With total digital loan disbursements projected to surpass Rs 3.6 lakh crore by 2030, traditional lenders and NBFCs are increasingly shifting from legacy systems to agile, cloud-native platforms. Roopya is positioning itself as a technology enabler in this transition.
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya offers a SaaS-based, no-code Lending-as-a-Service (LaaS) stack that enables financial institutions to launch customized loan products within 4 to 7 days—significantly faster than the months typically required under conventional infrastructure models.
The platform features what the company describes as India’s first fully automated Loan Origination System (LOS), covering the entire lending lifecycle, including e-KYC, underwriting, disbursement, and collections, while remaining compliant with RBI guidelines. It also allows lenders to deploy digital credit products such as Buy Now, Pay Later (BNPL) and EMI solutions, helping improve credit accessibility and operational efficiency.
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.”
Currently, Roopya works with over 20 lenders that collectively process more than 30,000 loans per month. In the ongoing fiscal year, the company claims to have processed loans worth over Rs 100 crore. It operates across 10 states and supports more than 1,100 point-of-sale terminals.
According to the company, its technology has helped clients reduce operational costs by up to 30 percent and cut loan processing time by over 50 percent. Roopya currently facilitates approximately Rs 200 crore in annual loan processing volume and reports 12 percent year-on-year growth.
By combining no-code infrastructure, AI-powered underwriting, and regulatory compliance, Roopya aims to streamline digital lending for NBFCs and fintech lenders while enabling faster, more accessible credit delivery across India.
, with participation from Adelaar...){kind=link}