Roopya has raised Rs 4 crore in a seed funding round led by Inflection Point Ventures. The fresh capital will be deployed to expand its lending infrastructure capabilities and strengthen its embedded finance offerings.
Operating out of Kolkata and Gurugram, Roopya is building a no-code, AI-powered Lending-as-a-Service (LaaS) platform that enables financial institutions to launch customized loan products in just four to six days, significantly faster than traditional systems that often take months.
The startup offers what it calls India’s first fully automated Loan Origination System (LOS), digitising the entire lending lifecycle from e-KYC and underwriting to disbursement and collections, while ensuring regulatory compliance.
Roopya 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 data for analytics and underwriting. This regulatory recognition strengthens its ability to provide data-driven, compliant credit solutions.
Founded by Sudipta Kumar Ghosh and Raman Vig, the company combines deep institutional banking expertise with enterprise-grade technology. Raman Vig has previously held leadership roles at CRIF, HDFC Bank, Deutsche Bank, and ICICI Bank, while Sudipta K Ghosh brings experience from Tata Administrative Services and Tata Capital.
Roopya currently works with over 20 lenders processing more than 30,000 loans per month, with month-on-month growth of 15–20 per cent. The platform has processed loans worth over Rs 100 crore in the current fiscal year and supports 1,100+ point-of-sale terminals across 10 states. It claims to have reduced operational costs by up to 30 per cent, lowered default rates by 25 per cent, and cut loan processing times by more than half.
Inflection Point Ventures, which has invested over Rs 1,200 crore across 280+ startups and backed 18 startups in Q4 2025 alone, sees Roopya as a key player in modernizing India’s digital lending ecosystem.
With India’s lending infrastructure market estimated at Rs 20,000 crore and growing at 15–17 per cent annually, Roopya aims to democratize access to credit for NBFCs, FinTechs, and underserved customers nationwide.
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