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Roopya is an Indian financial technology (fintech) company that provides digital lending software solutions for Non-Banking Financial Companies (NBFCs), banks, and other financial institutions. The company offers a software-as-a-service (SaaS) platform designed to manage the end-to-end lifecycle of lending, including loan origination, underwriting, disbursement, servicing, and collections.

Roopya develops digital infrastructure for lending institutions by integrating Loan Origination Systems (LOS) and Loan Management Systems (LMS) into a unified platform. The system is designed to automate key processes such as borrower onboarding, credit assessment, approval workflows, and repayment tracking.

The platform supports configurable workflows and application programming interface (API) integrations, enabling financial institutions to deploy customized loan products and connect with third-party services such as credit bureaus, payment gateways, and identity verification systems.

Roopya was founded by Sudipta Kumar Ghosh and Raman Vig. The company operates in India, with a presence in cities such as Kolkata and Gurugram.

In 2026, Roopya raised ₹4 crore in a seed funding round led by Inflection Point Ventures. The funding was aimed at expanding its technology infrastructure and scaling its digital lending platform.

Roopya offers a suite of software solutions for digital lending:

A platform that manages the initial stages of the lending process, including customer onboarding, document verification, credit evaluation, and loan approval.

A system used for post-disbursement activities such as repayment scheduling, interest calculation, collections management, and customer servicing.

A no-code SaaS solution that enables financial institutions to build and launch digital lending products such as installment-based loans, point-of-sale financing, and Buy Now, Pay Later (BNPL) services.

Integrated modules that support regulatory compliance requirements, including Know Your Customer (KYC) and Anti-Money Laundering (AML) processes.

Roopya’s platform incorporates automation and data-driven decision-making tools to support lending operations. It may include the use of artificial intelligence (AI) and machine learning (ML) technologies for credit scoring, fraud detection, and risk assessment.

The system is designed to integrate with external financial infrastructure and operate in accordance with regulatory frameworks established by financial authorities such as the Reserve Bank of India (RBI).

Roopya provides lending technology solutions to NBFCs, fintech companies, and financial institutions in India. The platform enables digital loan processing and supports multiple lending use cases, including consumer loans and embedded finance.

Reports indicate that the platform has facilitated loan processing across multiple regions in India and supports integrations for point-of-sale lending and digital credit distribution.

2026 – Raised ₹4 crore in a seed funding round led by Inflection Point Ventures.

Roopya operates within the digital lending segment of the fintech industry. The adoption of digital lending platforms has increased in India due to the need for faster loan processing, improved customer experience, and enhanced regulatory compliance.

Such platforms are used by financial institutions to replace legacy systems with cloud-based infrastructure, enabling automation and scalability in lending operations.

• Digital lending
• Financial technology
• Loan origination system
• Loan management system
• Non-banking financial company -->

Category:Financial technology companies of India Category:Software companies of India Category:Companies based in Kolkata Category:Companies established in 2026 Category:Finance