Mumbai: Fintech SaaS startup Roopya has raised ₹4 crore in a seed funding round led by Inflection Point Ventures (IPV), as it looks to expand its lending infrastructure platform and embedded finance capabilities.
Roopya, which operates from Kolkata and Gurugram, provides a SaaS-based lending infrastructure platform designed to help financial institutions digitize and automate their credit processes. The company said the fresh capital will be deployed toward scaling its technology stack, expanding embedded finance integrations, and strengthening its lending infrastructure offerings.
The funding comes amid rapid growth in India’s digital lending ecosystem. Industry estimates suggest that digital loan disbursements in India could exceed ₹3.6 lakh crore by 2030, driven by increased adoption of technology among banks, NBFCs, and fintech lenders. As financial institutions transition from legacy systems to cloud-native solutions, demand for flexible lending infrastructure platforms has accelerated.
Roopya offers a no-code, AI-powered lending stack that enables financial institutions to launch customized loan products within days. Its platform includes a fully automated Loan Origination System (LOS) that manages onboarding, underwriting, disbursement, and collections. The system is designed in line with RBI regulatory guidelines and digitizes the lending lifecycle from e-KYC to repayment tracking.
In September 2022, Roopya was designated as a “Specified User” under the RBI’s CICRA Act, enabling it to access credit bureau data for analytics and underwriting purposes. The company said this designation supports its credit risk assessment capabilities and compliance framework.
Ankur Mittal, Co-founder of Inflection Point Ventures, said the investment reflects confidence in Roopya’s lending infrastructure model and its potential to support institutions with limited access to advanced credit technology. He noted that technology-driven lending infrastructure is becoming critical as financial institutions seek operational efficiency and improved credit access.
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya brings together experience in institutional banking and fintech technology. Vig has previously worked with CRIF and held leadership roles at HDFC Bank, Deutsche Bank, and ICICI Bank. Ghosh has experience with Tata Administrative Services (TAS) and Tata Capital.
According to the company, Roopya’s lending infrastructure platform has processed loans worth over ₹100 crore in the current fiscal year and operates across 10 states. It supports more than 1,100 point-of-sale terminals and works with over 20 lenders that collectively process more than 30,000 loans per month.
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The company claims that its SaaS-based lending infrastructure has helped partner institutions reduce operational costs, improve credit processing timelines, and strengthen risk assessment frameworks. It currently facilitates approximately ₹200 crore in loans annually and reports steady growth in transaction volumes.
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.
India’s lending infrastructure market is estimated at ₹20,000 crore and is growing at 15–17 percent annually, reflecting increasing digital transformation across the financial services sector.
With fresh capital in place, Roopya aims to further strengthen its presence in India’s expanding fintech SaaS and digital lending ecosystem.
