Roopya
Category: AI in Fintech
A no-code, AI-powered SaaS lending infrastructure platform that enables banks, NBFCs, fintechs, and lending service providers to launch customized loan products in 4-7 days with fully automated loan origination, underwriting, and collections capabilities. Roopya was founded in 2022. The company is led by Raman Vig. Based in Gurugram, India. Team size: 11-50. Total funding raised: $1.33M. Latest round: Seed round (Feb 2026). Key investors include ["Inflection Point Ventures","100X.VC","IIMA Ventures (CIIE.CO)","Adelaar Consulting LLP"].
- Founded
- 2022
- Headquarters
- Gurugram, India
- Team size
- 11-50
- Total funding
- $1.33M
Value proposition
Democratizes access to advanced lending technology by reducing loan product launch time from months to 4-7 days, lowering operational costs by up to 30%, reducing default rates by 25%, and cutting loan processing times by more than half through AI-powered automation and data-driven underwriting
Products and solutions
["Loan Origination System (LOS) with automated e-KYC and customer onboarding","AI-powered Underwriting Module with 350+ data point analysis","Loan Management System (LMS) for loan lifecycle management","Collections and Recovery Platform","Early Warning System (EWS) for proactive risk monitoring","Advanced Analytics and Business Intelligence Dashboard","Next-Generation AI Agents for automated loan processing","Business Rule Engine (BRE) for automated decision-making","Credit Scorecard Development Tools","Embedded Finance Platform with 300+ pre-integrated APIs"]
Unique value
First Indian fintech company designated as 'Specified User' under RBI's Credit Information Companies Regulation Act (CICRA), granting direct access to credit bureau data. Features 100% proprietary technology stack with no-code configuration, AI agents launched in January 2025 for automated document verification and underwriting, and natural language processing capabilities for generating automated insights from complex data.
Target customer
Banks, Non-Banking Financial Companies (NBFCs), Fintech lenders, Microfinance Institutions (MFIs), and Lending Service Providers (LSPs) seeking digital transformation of lending operations
Industries served
["Digital Lending & Fintech","Banking & Financial Services","Non-Banking Financial Companies (NBFCs)","Microfinance & Rural Banking","Consumer Finance & Personal Loans","Business Lending & MSME Finance","Embedded Finance & BNPL Solutions","Credit Risk Management & Analytics"]
Technology advantage
Combines cloud-native microservices architecture with AI/ML-driven credit scoring using 350+ data points, intelligent automation through next-generation AI agents, and RBI-compliant lending infrastructure. The platform integrates seamlessly with OCEN (Open Credit Enablement Network) and supports 20+ pre-configured loan products with real-time analytics, enabling smaller lenders to compete with larger institutions without significant technology investment.
How they differentiate
First Indian fintech designated as 'Specified User' under RBI's CICRA Act with direct credit bureau access. Features 100% proprietary no-code AI-powered platform enabling loan product launch in 4-7 days vs months, AI agents for automated document verification (launched Jan 2025), 350+ data point underwriting, and 300+ pre-integrated APIs. Targets mid-market NBFCs, smaller banks, and fintechs rather than large enterprise banks.
Main competitors
["Nucleus Software (FinnOne Neo)","CloudBankin","Lentra"]
Key partnerships
["Inflection Point Ventures (Lead investor - ₹4 Crore seed round)","100X.VC (Pre-seed investor)","CIIE.CO - IIM Ahmedabad (Early-stage investor and accelerator)","FA Advisors (Partnership for ₹1000 crore monthly loan disbursal)","FinDoc Finvest (Digital lending platform implementation)","Reserve Bank of India (RBI) - CICRA Specified User status","National Payments Corporation of India (NPCI) - OCEN integration","100+ Banks and NBFCs across India","Credit Bureau partnerships (Equifax, Experian, CRIF Highmark)","Adelaar Consulting LLP (Seed round co-investor)"]
Notable customers
["100+ Banks and NBFCs","FA Advisors","FinDoc Finvest","Cashe"]
Major milestones
["Raised ₹4 Crore seed round led by Inflection Point Ventures (Feb 2026)","First Indian fintech designated as 'Specified User' under RBI CICRA Act","Launched AI agents for automated document verification (Jan 2025)","Built proprietary no-code platform with 300+ pre-integrated APIs","Established OCEN (Open Credit Enablement Network) integration","Achieved 10x year-over-year growth in revenue and customer acquisition"]
Growth metrics
15+ bank and NBFC partnerships, 20+ active lenders, ₹200 crore loans processed annually with 12% YoY growth, 10x YoY revenue and customer acquisition growth, targeting 100+ active lenders and 100,000 borrowers per month
Market positioning
Mid-market fintech SaaS challenger democratizing advanced lending technology for NBFCs, smaller banks, fintechs, and MFIs. Enables smaller lenders to compete with large institutions without significant technology investment through Lending-as-a-Service (LaaS) model.
Geographic focus
India (pan-India with headquarters in Gurugram and registered office in Kolkata)
Patents and IP
No registered patents publicly disclosed as of February 2026. However, the company maintains 100% proprietary technology ownership across its core modules including CRM, Underwriting, Analytics, Scorecard, Early Warning System (EWS), and Workflow engines.
About Raman Vig
19+ years veteran in Fintech and Banking space. 10+ years as banker at HDFC, Tata Capital, and Deutsche Bank. Former Vice President at CRIF Highmark responsible for digital strategy, underwriting, and data strategy for leading Fintechs and NBFCs in India. Thought leader in Fintech specializing in DDT (Domain, Data, Technology). Alumnus of Management Development Institute (MDI), Gurgaon.
Official website: https://roopya.money/