Roopya

Digital Lending Infrastructure / Lending-as-a-Service Softwareroopya.money

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

Lending infrastructure platform
Loan origination system
Loan management software
Credit risk analytics
Embedded finance platform

Where Roopya is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Roopya technology and API

Technology

Technology 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 signal

Partnerships

Six partnerships are on record, tiered core.

Reserve Bank of India (RBI)coreOthersRoopya 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)coreOthersOCEN platform developed in collaboration between RBI, NPCI, and Sahamati Foundation. Roopya integrates with this open credit enablement network.
Sahamati FoundationcoreOthersOCEN platform developed in collaboration between RBI, NPCI, and Sahamati Foundation. Roopya participates in this ecosystem for open credit enablement.
TransUnion CIBILcoreTechnology or IntegrationPre-integrated credit bureau API for pulling credit scores. Part of 300+ pre-integrated APIs ecosystem.
CRIF High MarkcoreTechnology or IntegrationPre-integrated credit bureau API for credit information services. Part of 300+ pre-integrated APIs ecosystem.
Experian IndiacoreTechnology or IntegrationPre-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 assessment

Direct 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 compliance and trust

Trust signal

Compliance1 record

Roopya financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Roopya leadership team

Management profile

Number of profiles

Profiles2 records

Roopya funding detail

Funding detail

Funding 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 investment

M&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?

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.