Roopya bags seed funding to scale digital lending platform

India-based lending infrastructure platform Roopya has raised $480k in a seed funding round led by Inflection Point Ventures (IPV), as it seeks to scale its lending operations and expand its embedded finance capabilities.

Roopya offers a SaaS-based lending infrastructure platform that enables non-banking financial companies (NBFCs), FinTechs, and other institutions to launch and manage digital credit products. The fresh capital will be used to grow its lending portfolio and enhance embedded finance solutions, allowing partners to integrate credit offerings directly into their customer ecosystems.

The funding comes at a time when India’s digital lending market is shifting toward infrastructure-led models, with financial institutions increasingly relying on technology platforms to improve operational efficiency, accelerate product deployment, and reach underserved segments. Embedded finance is emerging as a key growth lever, enabling contextual credit delivery at the point of need across digital platforms.

“Our core belief is in democratising credit access,” said Sudipta K. Ghosh, Co-founder of Roopya. “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.”

Investors see the platform’s infrastructure approach as addressing a critical gap in scalable and cost-effective credit delivery.

“Roopya has built a technologically advanced platform that empowers institutions with limited access to high-end lending solutions,” said Ankur Mittal, Co-founder of Inflection Point Ventures. “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.”

The investment underscores continued investor interest in FinTech infrastructure providers that enable scalable, compliant lending, as financial institutions look to accelerate digital distribution while managing risk in an evolving credit environment.