Loan Origination Software

Trusted by India’s Leading Modern Lenders

Roopya powers lending operations for fast-growing NBFCs, digital lenders, and financial institutions across India. Join a growing community of lenders who originate smarter every day.

IndiaKaLoan · QuickFinShop · Recapita · Findoc · EazyCredit · LoanSeva — and many more

Say Hello to Your New Loan Origination Software Platform

Dashboard

Get a complete 360° view of your loan pipeline — pending applications, approvals, disbursements, delinquencies, and key portfolio metrics — all on a single, beautifully organised screen. Make faster decisions with real-time data at your fingertips.

Application Pipeline

A fully configurable pipeline that reflects your internal workflow stages. View applications by status, product type, loan officer, or branch. Export data instantly for MIS reports, regulatory filings, or senior management reviews.

Digital Loan File

Every loan application lives in a clean, structured, and comprehensive digital file. From KYC documents to credit bureau reports, bank statements to sanction letters — everything is organised, version-controlled, and accessible in seconds.

Smart Loan Intake Web Forms

Embed Roopya’s intelligent application forms on your website, mobile app, or DSA portal. Smart conditional logic ensures borrowers see only the questions and document uploads relevant to their loan product — reducing drop-offs and improving data quality from the very first step.

Borrower & Document Status Portal

Give borrowers real-time visibility into their application status. Automated reminders prompt document uploads, reducing follow-up calls and back-and-forth emails. Your ops team spends less time chasing and more time closing.

Lending Analytics & Reporting

Go beyond basic MIS. Roopya’s analytics suite gives you portfolio-level intelligence — approval rates, TAT by stage, risk concentration, and predictive delinquency signals — so you can refine your credit policy on the fly.

A Loan Origination Software Platform Built for Indian Lenders

The Fastest Go-Live in the Industry

Most loan origination software projects run for months before a single loan is processed. Roopya turns that on its head. With pre-configured loan products, pre-integrated APIs, and a truly no-code setup, your team can go live in as little as 1 day. No long implementation cycles. No expensive consultants. No waiting.

A Digital Lending Platform Your Borrowers Will Love

Roopya delivers a mobile-first borrower experience from end to end. Digital application forms, paperless KYC, instant credit decisions, and e-sign enabled sanction letters make your lending process feel modern — because it is. Borrowers apply from anywhere, track their application in real time, and receive disbursements without ever visiting a branch.

Connect Your Website with Intelligent Web Forms

Roopya’s embeddable web forms work seamlessly on any website, DSA app, or partner platform. Smart logic auto-adapts the application journey based on loan product, borrower type, and the data entered — ensuring every submission is complete and compliant before it even reaches your credit team.

Real-Time Collaboration Across Your Entire Team

Keep credit analysts, relationship managers, legal teams, operations staff, and external DSAs fully aligned through a single platform. Every comment, document, decision, and status update is logged, timestamped, and visible to the right people — eliminating silos and miscommunication that slow down loan closures.

Bank-Grade Security & Compliance, Built In

Roopya is hosted on secure cloud infrastructure and is continuously updated to reflect the latest RBI guidelines and regulatory requirements. Your borrower data is encrypted in transit and at rest, access is role-based, and audit trails are automatically maintained — giving you the compliance confidence to scale without risk.

How Roopya’s Loan Origination Software Works

Step 1 — Borrower Applies Online A borrower or your DSA submits a quick application through Roopya’s smart web form on your website or mobile app. Smart logic collects only the relevant data and documents for that specific loan product.

Step 2 — Automated Credit Assessment Roopya’s built-in Business Rule Engine (BRE) and AI-powered credit scoring engine instantly evaluate the application against your credit policy. Bureau checks, bank statement analysis, fraud detection, and document verification happen in the background — in seconds.

Step 3 — Decision, Sanction & E-Sign Your credit team receives a fully enriched loan file with a system-recommended decision. Approve with one click, generate the sanction letter, and send it for e-signing — without printing a single page.

Step 4 — Disbursement & Loan Management Once signed, the disbursement instruction flows to your payment system. The loan then moves seamlessly into Roopya’s Loan Management System (LMS) for repayment tracking, collections, and customer servicing.

More Than Just Loan Origination Software

Roopya is a complete, end-to-end lending infrastructure platform. Everything your lending business needs — in one place.

Loan Origination System (LOS)

The core of Roopya’s platform. Handle every stage of origination — lead capture, application intake, document collection, credit assessment, approval workflow, sanction, and disbursement — through a single, unified system built for Indian lending regulations and borrower behaviour.

• Digital application forms with smart conditional logic
• Automated bureau checks (CIBIL, Experian, CRIF, Equifax)
• No-code Business Rule Engine for credit policy automation
• AI-powered document OCR and verification
• E-sign enabled sanction letters and loan agreements
• Customisable approval workflows and multi-level credit committees
• Integration with payment gateways for disbursement

Loan Management System (LMS)

Once disbursed, Roopya’s LMS takes over. Manage repayment schedules, process EMIs, handle prepayments and foreclosures, and maintain complete borrower accounts — all within the same platform your origination team already uses.

• Automated amortisation schedule generation
• Multi-channel payment collection (NACH, UPI, NEFT, cash)
• Borrower self-service portal for EMI payments and statements
• Real-time portfolio health dashboards

Collections & Early Warning System

Identify at-risk accounts before they slip into delinquency. Roopya’s Early Warning System uses behavioural analytics and predictive models to flag potential defaults early, giving your collections team time to intervene with the right strategy.

• AI-powered delinquency prediction
• Automated payment reminders via SMS, WhatsApp, and email
• Collection workflow management with agent assignment
• Restructuring and payment plan tools

Lending Analytics

Turn your loan data into competitive intelligence. Roopya’s analytics module gives you deep visibility into portfolio performance, credit risk concentration, product-level profitability, and team efficiency — enabling data-driven decisions at every level.

Roopya’s Unfair Advantages — Why Lenders Choose Us

1 Day Go-Live No other lending software platform in India deploys this fast. Pre-built loan journeys, 300+ pre-integrated APIs, and a no-code setup mean you’re originating loans — not configuring software — from day one.

Zero Upfront Cost Pay-as-you-use pricing means there are no large capital expenditures, no per-seat licensing traps, and no hidden setup fees. Your cost scales with your loan book, not ahead of it.

Truly No-Code Platform Your business team — not your IT department — controls the platform. Configure loan products, credit rules, document checklists, workflows, and borrower journeys through an intuitive visual interface. When your credit policy changes, you update your rules in minutes — no development tickets required.

300+ Pre-Integrated APIs Roopya connects out-of-the-box with India’s entire lending ecosystem — credit bureaus (CIBIL, Experian, CRIF), account aggregators, GSTIN verification, Aadhaar e-KYC, PAN verification, NACH/e-NACH for auto-debit, UPI payment gateways, and dozens more. Stop building integrations. Start lending.

20+ Pre-Configured Loan Products Personal loans, business loans, home loans, gold loans, auto loans, salary advance, MSME credit, microfinance, and more — all pre-configured with appropriate workflows, document checklists, and credit rules. Customise any product to match your specific policy in minutes.

AI-Powered Fraud Detection Roopya’s built-in AI fraud modules analyse application patterns, document authenticity, identity signals, and behavioural data to detect suspicious applications before disbursement. Real-time alerts protect your portfolio from the first application onwards.

Always Regulatory Compliant The RBI regulatory environment moves fast. Roopya’s platform is continuously updated to reflect the latest guidelines on fair lending, data privacy, KYC norms, and digital lending regulations — so your team focuses on lending, not legal catch-up.

AI-Powered Loan Origination: The Roopya Advantage

Roopya doesn’t just automate lending — it makes lending smarter with embedded artificial intelligence at every stage of the origination journey.

Intelligent Document Processing

Roopya’s AI-powered OCR and NLP engine extracts and verifies data from identity documents, bank statements, salary slips, ITRs, and GST returns with 99%+ accuracy. What previously took a credit analyst 30 minutes now happens in under 30 seconds — with fewer errors and no human fatigue.

AI-Enhanced Credit Decisioning

Traditional credit scoring looks at credit bureau history. Roopya’s machine learning models go further — analysing alternative data, transaction patterns, GST cashflows, and behavioural signals to generate a more complete and accurate risk picture. The result: better approvals, fewer defaults, and smarter credit expansion into underserved segments.

Self-Learning Business Rule Engine

Roopya’s BRE doesn’t just enforce your credit policy — it learns from it. Machine learning models identify patterns in approvals, rejections, and loan performance, suggesting rule optimisations that improve both acceptance rates and portfolio quality over time.

Natural Language Analytics

Ask Roopya’s analytics engine a question in plain English — “What is my approval rate for business loans above ₹10 lakh in Maharashtra this quarter?” — and get instant, visualised answers. No SQL. No data team dependency. Just insight, on demand.

The Numbers Speak for Themselves

Roopya Loan Origination Software Integrates With India’s Lending Ecosystem

Roopya’s open API architecture and 300+ pre-integrated APIs connect your LOS with every tool your lending business relies on.

Credit Bureaus — CIBIL TransUnion, Experian, CRIF High Mark, Equifax KYC & Identity — Aadhaar e-KYC, PAN Verification, DigiLocker, Video KYC Account Aggregator — AA Framework for consent-based financial data sharing GST & Business Data — GSTIN Verification, MCA data, ITR data Payment & Collections — NACH, e-NACH, UPI, NEFT, IMPS payment gateways Communication — SMS, WhatsApp Business API, Email, IVR CRM & ERP — Salesforce, Zoho CRM, custom ERP systems via REST API Webhooks & Custom Integrations — Build any integration with Roopya’s comprehensive API documentation

Ready to Transform Your Lending Operations?

Join India’s fastest-growing lenders who trust Roopya to power their loan origination. Go live in 1 day. Originate smarter. Scale without limits.

Roopya — India’s #1 Loan Origination & Loan Management Software for Modern Lenders Empowering NBFCs, Banks, MFIs & Fintech Lenders with Next-Generation Digital Lending Infrastructure