Funding · Financial Services

Roopya raises ₹4 crore in seed funding

By Startup Enthusiast · 20 February 2026

What they do

Roopya is a SaaS-based, no-code, AI-powered Lending-as-a-Service platform for NBFCs and fintech lenders

It raised ₹4 crore in a seed round led by Inflection Point Ventures, with participation from Adelaar Consulting LLP

The funds will be used to scale its technology stack and expand embedded finance capabilities

Roopya raised ₹4 crore in a seed round of funding.
The round was led by Inflection Point Ventures, with participation from Adelaar Consulting LLP.
The company will use the funds to scale its technology stack and expand embedded finance capabilities.
Roopya is a SaaS-based, no-code, AI-powered Lending-as-a-Service (LaaS) platform.
It serves NBFCs (non-banking financial companies) and fintech lenders.
Its core product is India's first fully automated Loan Origination System (LOS) covering e-KYC, underwriting, disbursement, and collections.
The platform enables lenders to launch customized loan products in 4-7 days.

The Indian digital lending market is projected to cross ₹3.6 lakh crore by 2030.
There are over 2,500 active NBFCs in India as an addressable market.
The lending infrastructure market is worth ₹20,000 crore, growing at 15-17% per annum.

Roopya provides a no-code, AI-powered Lending-as-a-Service (LaaS) platform.
Its core product is a fully automated Loan Origination System (LOS).
The platform handles e-KYC, underwriting, disbursement, and collections.
It supports digital credit products like Buy Now, Pay Later (BNPL) and EMI offerings.
The platform is compliant with RBI guidelines and designated as a 'Specified User' under the RBI CICRA Act.
Roopya has processed loans worth over ₹100 crore in the current fiscal year.
It facilitates approximately ₹200 crore in annual loan processing volume.
The company operates across 10 states and supports over 1,100 point-of-sale terminals.
It works with over 20 lenders and processes over 30,000 loans per month.

Inflection Point Ventures (lead) — Angel investing platform with over 24,000 CXOs, HNIs, and professionals; launched a $50 Mn CAT 2 VC fund Physis Capital.
Adelaar Consulting LLP (participated)

Product: SaaS-based Lending-as-a-Service platform with automated Loan Origination System covering e-KYC, underwriting, disbursement and collections
Customers: NBFCs and fintech lenders seeking to launch and manage loan products efficiently
How it makes money: SaaS subscription model providing platform-as-a-service for lending operations
What sets it apart: Launch loan products in 4-6 days versus months with conventional infrastructure