SaaS Startup Roopya Raises Rs 4 Crore to Transform Digital Lending in India
Roopya Raises Rs 4 Crore to Revolutionize Digital Lending in India
India’s fintech and SaaS ecosystem continues to evolve as Roopya, a SaaS-based Lending-as-a-Service (LaaS) startup, secured Rs 4 crore in seed funding from Inflection Point Ventures, a Gurugram-based angel investment platform. This investment will empower Roopya to expand its digital lending infrastructure and scale its solutions across India.
Roopya’s No-Code Lending Platform: Simplifying Credit Access
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya offers a No-Code Lending-as-a-Service platform that allows financial institutions to launch custom loan products in 4 to 6 days, a process that typically takes months using conventional infrastructure.
The platform provides a fully automated Loan Origination System (LOS), simplifying critical processes such as:
Loan onboarding
Underwriting
Disbursement
By offering a SaaS-based solution, Roopya enables lenders to deploy digital credit products like Buy Now, Pay Later (BNPL) and EMI options efficiently and at scale.
Why Investors Are Excited About Roopya
Ankur Mittal, cofounder of Inflection Point Ventures, highlighted the startup’s innovative approach:
“Roopya has built a technologically advanced platform that empowers institutions with limited access to high-end lending solutions. In a volatile market, their integrated approach has the potential to make lending more accessible and affordable across India.”
Sudipta Ghosh added,
“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 millions of underserved customers.”
Growth and Impact: Roopya Across India
Roopya has already established a significant presence in India:
Loan disbursement: Over Rs 100 crore processed in the current fiscal year
Geographical reach: Active in 10 states
Point-of-sale support: 1,100+ terminals enabling NBFCs and MFIs to access advanced digital lending technology
Loan volume: Partnering with 20+ lenders processing 30,000+ loans per month
Growth rate: Month-on-month growth of 15–20%
These metrics underline the strong market demand for accessible, tech-driven lending solutions.
Key Features of Roopya’s Platform
Rapid deployment: Custom loan products in days instead of months
Automation: Streamlined onboarding, underwriting, and disbursement
Versatility: Supports BNPL, EMI, and other digital lending products
Scalability: Enables small NBFCs and fintech startups to compete with larger institutions
Data-driven insights: Advanced analytics to manage risk and optimize lending
The Future of Digital Lending in India
Roopya’s platform exemplifies the growing trend of technology-driven credit democratization, particularly for underserved segments. As more NBFCs and fintech startups embrace SaaS solutions, the digital lending landscape is set to become faster, more efficient, and customer-centric.
The seed funding from Inflection Point Ventures will support Roopya in:
Scaling operations to additional states
Expanding product offerings for lenders
Enhancing AI and automation in its LOS platform
With India’s digital economy growing rapidly, startups like Roopya are shaping the next generation of financial services.
FAQs
What is Roopya?
Roopya is a SaaS-based Lending-as-a-Service platform enabling financial institutions to launch customized digital loan products quickly.How much funding did Roopya raise?
Roopya raised Rs 4 crore in a seed funding round from Inflection Point Ventures.Who are the founders of Roopya?
The startup was founded by Sudipta Kumar Ghosh and Raman Vig.What is Lending-as-a-Service (LaaS)?
LaaS is a platform-based service allowing lenders to deploy digital loan products like BNPL and EMI without extensive infrastructure.How fast can Roopya deploy new loan products?
Roopya’s No-Code platform can launch customized loan products in 4 to 6 days.Which types of lenders does Roopya serve?
Roopya works with NBFCs, fintech startups, and microfinance institutions.How much loan value has Roopya processed?
The platform has processed over Rs 100 crore in loans in the current fiscal year.How many loans are processed monthly through Roopya?
Roopya partners process over 30,000 loans per month across 10 states.What features make Roopya’s platform unique?
Features include fully automated loan origination, BNPL and EMI options, scalability, rapid deployment, and data-driven insights.What will Roopya use the funding for?
The seed funding will help scale operations, expand product offerings, and enhance automation and AI capabilities.
