Roopya, a SaaS-based lending infrastructure startup, has closed a ₹4 crore seed funding round led by Inflection Point Ventures. The investment will help the company scale its AI-driven platform that is changing how credit decisions are made across India.
Founded by Raman Vig and Sudipta K Ghosh, Roopya works directly within the systems of lenders and financial institutions, embedding artificial intelligence, advanced analytics, and custom scorecards into their existing workflows. The result is faster, more accurate credit assessments that replace slow and costly manual processes.
What sets Roopya apart is its focus on the underwriting layer, the part of lending that determines who gets credit and on what terms. Rather than simply moving paperwork online, the platform helps lenders make smarter risk decisions in real time, reducing both the time and cost involved.
The broader goal is financial inclusion. By helping banks and lenders better evaluate borrowers, Roopya aims to extend credit access to the next wave of customers who have historically been underserved by traditional financial systems.
