Roopya
- Company typePrivate
- Founded2022
- HeadquartersGurugram, India
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
Roopya firmographics
Firmographics- Name
- Roopya
- Legal name
- Geoalgo Technologies Pvt Ltd
- Website
- https://roopya.money
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Roopya industry classification
Industry- Product category
- Digital Lending Infrastructure / Lending-as-a-Service Software
- NAICS
- Software Publishers (513210)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Underwriting Automation & Income/Employment Verification (FSAGAHAD)
Keywords
Where Roopya is headquartered
LocationHeadquarters
- HQ city
- Gurugram
- HQ country
- India
- HQ region
- Asia
Offices2 records
Markets served
Roopya business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Infrastructure, Operations
Revenue model
- SaaS Platform Subscription: Pay-as-you-go SaaS model with flexible pricing. Zero upfront costs with payment based on actual usage. Subscription tiers available for different lender sizes.
- Usage-Based Pricing: Pay-per-usage model where lenders pay based on loan volume processed. Flexible pricing means only pay for what is actually used.
- Transaction/Processing Fees: Revenue generated per loan processed through the platform. Facilitates approximately ₹200 crore in annual loan processing across 20+ lenders.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free Tier - Zero Platform Fee |
| Usage-based | Pay-as-you-go | Pay As Per Use |
| Subscription | Monthly | SaaS Subscription Starting Price |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Roopya product offering
Product offeringCore offering
Roopya is a SaaS-based, no-code Lending-as-a-Service (LaaS) platform that provides end-to-end digital lending infrastructure—including Loan Origination System (LOS), Loan Management System (LMS), Credit Risk Analytics, Collections, Early Warning System, Business Rule Engine, KYC Verification, Loan CRM, and Embedded Finance capabilities—to financial institutions in India. It enables NBFCs, banks, fintech lenders, and MFIs to launch customized loan products within 1-7 days using 300+ pre-integrated APIs and AI-powered credit decisioning, with a pay-as-you-go / subscription pricing model and a free tier.
Product overview
Roopya is a SaaS-based Lending and Analytics as a Service platform for financial institutions in India. The core offering is the Roopya LaaS platform — a no-code, AI-powered unified lending infrastructure that spans the entire loan lifecycle. It is organized as a platform-plus-modular-architecture with three primary modules: Loan Origination System (LOS), Loan Management System (LMS), plus Early Warning System and Collections. The LOS and LMS form the core product backbone, while specialized sub-products address specific loan verticals (Personal Loans, Gold Loans, Home Loans, Auto Loans, Business/SME Loans, Payday Loans, Microfinance). Supporting modules include Credit Risk Analytics (with PD, LGD, EAD models and scorecard development), a Business Rule Engine (AI-enhanced, self-learning), Embedded Finance capabilities, OCEN Platform connectivity, Lending Analytics, Loan CRM, and a KYC Verification Platform. The platform integrates 300+ pre-built APIs for credit bureaus (CRIF, CIBIL, Experian, Equifax), payment gateways, and identity verification services.
Differentiator
Problem solved
Functional benefit
Products and services
- Roopya Lending as a Service (LaaS) Platform No-code unified lending infrastructure platform that powers the entire lending lifecycle from origination to collections for banks, NBFCs, fintechs, and LSPs. Enables financial institutions to launch customized loan products within 1-7 days using pre-built customer journeys, KYC, fraud checks, consent management, and scorecards.
- Loan Origination System (LOS) India's first fully automated loan origination system that streamlines the loan application process with intelligent workflows, automated decisioning, digital application forms, automated credit scoring, document verification, and real-time decisioning. For banks, NBFCs, fintechs, and MFIs.
- Loan Management System (LMS) Complete loan portfolio management system with advanced servicing capabilities, payment processing, amortization schedules, customer portal, and portfolio management for retail, corporate, and automotive lending.
- Lending Analytics Data-driven insights and business intelligence product providing portfolio analytics, performance metrics, risk assessment, and trend analysis for optimizing lending strategy. For financial institutions seeking analytics-led lending decisions.
- Credit Risk Analytics Comprehensive credit risk modeling solution including Probability of Default (PD), Loss Given Default (LGD), and Exposure at Default (EAD) models, credit scorecard development, credit risk model validation, and stress testing for Basel compliance. For banks and NBFCs.
- Business Rule Engine (BRE) Self-learning, AI-enhanced business rule engine that configures complex lending rules, credit policies, and approval workflows through an intuitive visual interface without coding. ML models suggest rule improvements, identify patterns, and auto-optimize. For lending product managers and credit teams.
- OCEN Platform Open Credit Enablement Network platform connecting lenders, Loan Service Providers (LSPs), and consumers under the RBI's CICRA framework. Enables any lender to sign up and access ecosystem LSPs with standardized credit data and digital identity verification (Aadhaar/PAN) for democratized credit access.
- Loan CRM Software India's first automated fintech CRM with decision-making engine, supporting customer onboarding, LSP onboarding, disbursal stage management, multi-lender connectivity, and lead management. For fintech lenders, LSPs, and DSAs.
- KYC Verification Platform One-API KYC verification platform providing instant, secure, and compliant customer onboarding with support for document verification, identity validation, and fraud prevention. For lenders and fintechs onboarding borrowers.
- Microfinance Software Digital lending platform designed for microfinance institutions (MFIs) and modern lenders to manage small-ticket loans to underserved communities with group lending and rural borrower support.
- Embedded Finance Embedded finance capabilities enabling financial institutions to offer lending products within third-party platforms and ecosystems, supporting digital lending infrastructure for underserved borrowers.
- Personal Loan Software Digital lending platform for personal loans enabling banks, NBFCs, and MFIs to originate and manage personal loan products with automated credit assessment and decisioning.
Quantifiable outcome
- 30% cost reduction for partner lenders
- +7 more outcomes
Companies that use Roopya
Customer profileNamed customers6 records
Segments5 records
Ideal customer profiles4 records
Roopya technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability8 records
Feature10 records
Roopya partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Reserve Bank of India (RBI)coreRoopya is a Specified User under the RBI's CICRA framework. The company operates within the OCEN framework developed in collaboration with RBI, NPCI, and Sahamati Foundation.
- NPCI (National Payments Corporation of India)coreOCEN platform developed in collaboration between RBI, NPCI, and Sahamati Foundation. Roopya integrates with this open credit enablement network.
- Sahamati FoundationcoreOCEN platform developed in collaboration between RBI, NPCI, and Sahamati Foundation. Roopya participates in this ecosystem for open credit enablement.
- TransUnion CIBILcorePre-integrated credit bureau API for pulling credit scores. Part of 300+ pre-integrated APIs ecosystem.
- CRIF High MarkcorePre-integrated credit bureau API for credit information services. Part of 300+ pre-integrated APIs ecosystem.
- Experian IndiacorePre-integrated credit bureau API for credit scoring. Part of 300+ pre-integrated APIs ecosystem.
Scale indicators12 records
Recent moves6 records
Expansion highlights6 records
Roopya competitors and assessment
Company assessmentDirect peers
- Signzy: AI-powered digital KYC and onboarding infrastructure for banks, NBFCs, and fintechs. Comparable on the verification and onboarding layer of Roopya's stack.
- FinBox: India-focused digital lending infrastructure platform enabling NBFCs and fintechs to launch and manage credit products. Directly competes with Roopya's LaaS positioning for digital lenders.
- Lentra: Cloud-based lending-as-a-service platform for banks and NBFCs offering loan origination, decisioning, and credit assessment. Closely aligned with Roopya on LaaS model and customer segments.
- Perfios: India-based lending infrastructure and decisioning SaaS platform offering LOS, LMS, credit underwriting, and analytics to banks, NBFCs, and fintechs. Direct competitor with similar target customer base and broader product surface.
- Karza Technologies (IDfy): Provides KYC, fraud detection, and digital onboarding APIs to Indian financial institutions. Overlaps with Roopya's KYC Verification Platform, fraud detection, and credit bureau integrations.
- Decimal Technologies: India-based lending SaaS provider (loan origination, management, collections) serving banks, NBFCs, and MFIs. Closely comparable product scope and customer segments to Roopya.
- Setu: API infrastructure provider for financial services in India, covering Account Aggregator, payments, and lending workflows. Overlaps with Roopya's OCEN/AA integration and embedded finance capabilities.
Broad incumbents
- nCino: Cloud-based bank operating system with loan origination, account opening, and analytics. Overlaps with Roopya's LOS and analytics modules, primarily competing for large Indian bank contracts.
- Mambu: Global SaaS core banking and lending platform serving banks and lenders worldwide. Competes at the broader lending infrastructure layer, though less specialized for Indian NBFC/MFI segments.
Emerging players
- Neokred: Emerging Indian fintech SaaS platform focused on embedded finance, co-branded payments, and digital lending infrastructure. Partial overlap with Roopya's embedded finance and OCEN offerings.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights6 records
Customer concentration
Roopya social profiles
Digital presenceRoopya compliance and trust
Trust signalCompliance1 record
Roopya financial estimates
Financial estimateRevenue estimate
Valuation estimate
Roopya leadership team
Management profileNumber of profiles
Profiles2 records
Roopya funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Roopya M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Roopya
What does Roopya do?
Roopya is a SaaS-based, no-code Lending-as-a-Service (LaaS) platform that provides end-to-end digital lending infrastructure—including Loan Origination System (LOS), Loan Management System (LMS), Credit Risk Analytics, Collections, Early Warning System, Business Rule Engine, KYC Verification, Loan CRM, and Embedded Finance capabilities—to financial institutions in India. It enables NBFCs, banks, fintech lenders, and MFIs to launch customized loan products within 1-7 days using 300+ pre-integrated APIs and AI-powered credit decisioning, with a pay-as-you-go / subscription pricing model and a free tier.
Is Roopya a public or private company?
Roopya is a private company. It is classified as venture growth investor backed and is currently operating.
When was Roopya founded?
Roopya was founded in 2022. It employs 11 to 50 people.
Where is Roopya based?
Roopya is headquartered in Gurugram, India, in the Asia region.
How does Roopya make money?
Three revenue lines are on record. SaaS Platform Subscription is the primary driver. The others are usage-Based Pricing and transaction/Processing Fees.
Who are Roopya's main competitors?
Direct peers on record are Signzy, FinBox, Lentra, Perfios, Karza Technologies (IDfy), Decimal Technologies and Setu. Broad incumbents are nCino and Mambu. Neokred is listed as an emerging player.
Does Roopya have an API?
Yes. Roopya offers 300+ pre-integrated REST APIs enabling financial institutions to connect credit bureaus, verification services, payment gateways, and other lending services. The platform's open API architecture allows seamless integration with existing systems including CRMs, ERPs, and other business tools. The OCEN API enables standardized access to borrower information, loan application details, credit scores, and transaction history, built on RESTful architecture with JSON data format. No public developer portal or SDK documentation URL identified in available sources.
What industry is Roopya in?
Roopya's product category is Digital Lending Infrastructure / Lending-as-a-Service Software. Its primary akta.pro industry code is FSAGAHAD, Underwriting Automation & Income/Employment Verification. Its NAICS code is 513210 and its SIC code is 7372.