The Indian fintech landscape just got a major shot of adrenaline. Roopya, the disruptive SaaS-based lending infrastructure provider, has successfully secured seed funding of ₹4 crore, led by powerhouse Inflexion Point Ventures (IPV).
This is not just another funding headline; it is a signal that the financial world’s “plumbing” is being rebuilt. With participation from Adelaar Consulting LLP, this capital injection is set to accelerate Roopya’s mission to democratize credit access through its high-octane, no-code lending stack.
Bridging the Gap in India’s Digital Lending Ecosystem
Despite the explosion of digital payments, many Non-Banking Financial Companies (NBFCs) and mid-market lenders remain shackled by legacy systems. These outdated frameworks often take months to launch a single loan product.
Roopya is changing the narrative. Their Lending-as-a-Service (LaaS) platform allows financial institutions to go from “idea” to “execution” in just 4 to 6 days. By replacing heavy CAPEX models with a flexible, pay-per-use infrastructure, Roopya is making sophisticated lending technology accessible to institutions that were previously priced out.
Why Investors Are Betting Big on SaaS Lending Infrastructure
What makes Roopya a standout in a crowded fintech market? It’s their end-to-end integration. The platform offers a fully automated Loan Origination System (LOS) that handles the entire loan lifecycle, from e-KYC and AI-powered underwriting to disbursement and collections.
Key Performance Milestones:
- Operational Efficiency: Partnering lenders have reported a 30% reduction in costs.
- Risk Mitigation: AI-driven analytics have slashed default rates by 25%.
- Speed to Market: Loan processing times have been cut by more than 50%.
Ankur Mittal, Co-founder of Inflexion Point Ventures, highlighted the startup’s impact, stating that Roopya’s integrated approach has the potential to make lending both affordable and accessible across the country’s volatile market.
Empowering the Underserved with Embedded Finance
Founded by industry veterans Sudipta Kumar Ghosh and Raman Vig, Roopya is leaning heavily into embedded finance. This allows lenders to integrate credit offerings, like Buy Now, Pay Later (BNPL) and EMI solutions, directly at the point of sale.
“The Indian lending landscape is no longer just about capital; it is about the speed of execution and the precision of risk assessment,” says Co-founder Raman Vig.
With its status as a ‘Specified User’ under the RBI’s CICRA framework, Roopya has a unique edge. It can access credit bureau data for deep-dive analytics, providing lenders with the “unfair advantage” of data-driven decision-making in real-time.
The Road Ahead: Scaling to the Next Billion
Currently facilitating approximately ₹200 crore in annual loan processing and working with over 20 lenders, Roopya is just getting started. The new funds will be used to deepen its technology stack and expand its reach across the 10 states where it already supports 1,100+ point-of-sale terminals.
As India’s digital loan disbursements are projected to cross ₹3.6 lakh crore by 2030, Roopya is positioning itself as the indispensable backbone of this credit revolution. For business leaders and NBFCs, the message is clear: the future of lending is no-code, AI-powered, and faster than ever before.
