West Bengal based no-code ‘lending-as-a-service’ platform Roopya has raised INR 4 Crore in a seed round led by Inflection Point Ventures.
The company stated that the funds will be utilized to enhance its no-code, AI-enabled lending infrastructure and increase adoption of its lending-as-a-service platform among financial institutions.
Founded by Sudipta Kumar Ghosh and Raman Vig, Roopya offers a fully automated Loan Origination System designed to streamline loan onboarding, underwriting, and disbursement. While its SaaS-based lending platform enables NBFCs and microfinance institutions to deploy digital credit products, including Buy Now, Pay Later and EMI offerings across retail distribution networks.
The startup said that it has processed loans worth over ₹100 crore in the current financial year and currently operates across 10 states, with its platform supporting more than 1,100 point-of-sale terminals to facilitate digital credit access at scale.
Speaking about the investment in Roopya, Ankur Mittal, Co‑founder of Inflection Point Ventures, said, “Roopay 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. We are excited to back Roopya as they scale and transform the credit ecosystem responsibly”.
Commenting on the fundraise, Sudipta K Ghosh, Co-founder, Roopya, said, “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 underserved”.
