Kolkata: Roopya, a SaaS-based lending infrastructure startup operating in Kolkata and Gurugram, has raised ₹4 crore in a seed funding round led by Inflection Point Ventures (IPV).
The company said the funds will be used to expand its lending infrastructure and embedded finance capabilities. Roopya provides a no-code, AI-powered Lending-as-a-Service platform that enables financial institutions to launch customized loan products within four to six days. Its offering includes a fully automated Loan Origination System (LOS) designed in line with Reserve Bank of India (RBI) regulations, digitizing processes from e-KYC and application to disbursement and collections.
Roopya has been designated as a “Specified User” under the RBI’s CICRA Act in September 2022, allowing it access to credit data for analytics and underwriting.
According to the company, its platform has processed loans worth over ₹100 crore in the current fiscal year across 10 states and supports more than 1,100 point-of-sale terminals. It works with over 20 lenders that collectively process more than 30,000 loans each month. Roopya said its platform has helped reduce operational costs by up to 30%, lower default rates by 25%, and cut loan processing times by more than half.
Inflection Point Ventures has invested more than ₹1,200 crore across over 280 startups to date, including 18 investments in the fourth quarter of 2025.
Roopya was founded by Sudipta Kumar Ghosh and Raman Vig, who bring experience from financial institutions including CRIF, HDFC Bank, Deutsche Bank, ICICI Bank, Tata Administrative Services, and Tata Capital.
