Sudipta K Ghosh and Raman Vig led fintech backed by Ankur Mittal of Inflection Point Ventures to expand no code AI powered credit stack across India
Roopya, a SaaS based lending infrastructure startup operating out of Kolkata and Gurugram, has raised ₹4 crore in a seed funding round led by Inflection Point Ventures. The capital will be deployed to expand its lending infrastructure capabilities and strengthen embedded finance integrations.
Roopya provides a no code, AI powered Lending as a Service platform that enables financial institutions to launch customised loan products within four to six days. The platform is positioned to support lenders transitioning from legacy systems to cloud native digital infrastructure amid the rapid growth of India’s digital lending ecosystem.
The company offers a fully automated Loan Origination System aligned with Reserve Bank of India regulations. The system digitises the lending lifecycle from e KYC and onboarding to underwriting, disbursement, and collections. Roopya has been recognised as one of the first Indian fintech companies designated as a Specified User under the RBI CICRA Act in September 2022, allowing access to credit bureau data for analytics and underwriting.
Ankur Mittal, Co founder, Inflection Point Ventures, said, “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. We are excited to back Roopya as they scale and transform the credit ecosystem responsibly.”
Roopya was founded by Sudipta K Ghosh and Raman Vig. Raman Vig has previously served as Vice President at CRIF and held leadership roles at HDFC Bank, Deutsche Bank, and ICICI Bank. Sudipta K Ghosh is a former member of Tata Administrative Services and has experience at Tata Capital. Their combined expertise in institutional banking, credit cycles, and regulatory frameworks has shaped the company’s product architecture.
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.”
In the current fiscal year, Roopya’s platform has processed loans exceeding ₹100 crore across 10 states and supports more than 1,100 point of sale terminals. The company works with over 20 lenders collectively processing more than 30,000 loans per month, with reported month on month growth of 15 to 20 percent. The platform reports operational cost reductions of up to 30 percent, a 25 percent decrease in default rates, and loan processing times reduced by more than half.
Inflection Point Ventures has invested more than ₹1,200 crore across over 280 startups to date and backed 18 startups in the fourth quarter of 2025. The firm also manages Physis Capital, a 50 million dollar Category 2 venture capital fund focused on growth stage investments.
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