Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya offers a Lending-as-a-Service platform to financial institutions such as NBFCs, allowing them to launch new loan products in 4-6 days, a process that earlier took months.Fintech startup Roopya has raised ₹4 crore in a seed funding round led by Inflection Point Ventures (IPV).
The Gurugram-based startup will use the fresh capital to expand its lending infrastructure platform and deepen its embedded finance capabilities.
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya offers a Lending-as-a-Service platform to financial institutions such as NBFCs, allowing them to launch new loan products in 4-6 days, a process that earlier took months.
“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(d)”, said co-founder Ghosh.
Roopya’s loan origination system digitises the entire lending lifecycle from e-KYC and underwriting to disbursement and collections. It also has been designated a ‘specified user’ under the RBI’s CICRA framework that allows it to access credit bureau data for underwriting and analytics.
“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,” said Ankur Mittal, co‑founder of IPV.
Roopya said its infrastructure has helped reduce operational costs by up to 30 per cent, cut default rates by 25 per cent and more than halved loan processing time.
The company currently facilitates about ₹200 crore in loans annually.
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