- Roopya is a SaaS-based lending infrastructure platform that is fundamentally transforming how credit is distributed, with operations in Kolkata and Gurugram.
- The seed funding will be directed toward scaling its lending infrastructure and expanding embedded finance solutions.
- Roopya is among the first Indian fintechs recognized as a “Specified User” under the RBI CICRA Act (September 2022), granting access to credit data for analytics and underwriting.
- Inflection Point Ventures has invested over ₹1,200 crore across more than 280 startups to date.
- In Q4 2025 alone, Inflection Point Ventures backed 18 startups, reinforcing its commitment to India’s innovation ecosystem.
Kolkata | February 20, 2026: Roopya, a SaaS-based fintech startup operating from Kolkata and Gurugram, has raised ₹4 Crore in seed funding led by Inflection Point Ventures (IPV). The capital infusion will accelerate Roopya’s mission to reshape credit distribution by scaling its AI-powered, no-code lending stack and expanding into embedded finance.
Key Highlights
- SaaS Lending Infrastructure: Roopya offers India’s first fully automated Loan Origination System (LOS), digitizing the lending process from e-KYC to disbursement and collections.
- Rapid Deployment: Enables financial institutions to launch customized loan products in 4–6 days, compared to months with legacy systems.
- RBI Recognition: One of the first Indian fintechs designated as a “Specified User” under the RBI CICRA Act (Sep 2022), granting access to credit data for analytics and underwriting.
- Market Impact: Platform has processed loans worth ₹100 crore in FY 2025–26, supports 1,100+ POS terminals, and works with 20+ lenders processing 30,000+ loans monthly.
- Operational Efficiency: Demonstrated impact by reducing operational costs by 30%, lowering default rates by 25%, and cutting loan processing times by over half.
Sudipta K. Ghosh, Co-founder, Roopya, said: “Our core belief is in democratizing credit access. By providing a SaaS-based Lending Infrastructure, we empower NBFCs and fintechs to efficiently serve millions of underserved customers.”
Ankur Mittal, Co-founder, Inflection Point Ventures, added: “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.”
Founders’ Background
- Raman Vig: Veteran of financial services, ex-VP at CRIF, with leadership roles at HDFC Bank, Deutsche Bank, and ICICI Bank.
- Sudipta K. Ghosh: Former Tata Administrative Services (TAS) professional with extensive experience at Tata Capital.
Together, they bring deep expertise in credit cycles, regulatory frameworks, and enterprise-grade technology.
Market Context
- India’s digital lending market is projected to cross ₹3.6 lakh crore by 2030.
- Lending infrastructure market size is ₹20,000 crore, growing at 15–17% annually.
- Roopya is tapping into a massive addressable market of 2,500+ NBFCs and a growing ecosystem of fintech Loan Service Providers (LSPs).
About Roopya
Founded by Raman Vig and Sudipta Ghosh, Roopya is a SaaS-based Lending Infrastructure platform that democratizes credit distribution. By embedding AI, advanced analytics, and proprietary scorecards into lender workflows, Roopya transforms complex risk management into instant, cost-effective decisions, enabling financial institutions to reach the next million customers seamlessly.
🌐 Website: www.roopya.com
About Inflection Point Ventures (IPV)
Inflection Point Ventures (IPV) is one of India’s largest angel investing platforms with 24,000+ CXOs, HNIs, and professionals. IPV has invested over ₹1200 crore across 280+ startups to date, including 18 startups in Q4 2025. The firm also launched a $50 Mn CAT 2 VC fund, Physis Capital, to invest in Pre-Series A to Series B growth-stage startups.
🌐 Website: www.ipventures.in
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