Roopya vs Allcloud
An independent, detailed comparison of two leading lending technology platforms across every parameter that matters to NBFCs and financial institutions.Roopya vs Allcloud: Which Lending Platform Should You Choose?
Table of Contents
Meet the Platforms
Both platforms serve the Indian lending market, but with meaningfully different approaches to technology, pricing, and deployment.
- Founded2020
- HeadquartersBengaluru, India
- Platform TypeCloud-Native SaaS
- Pricing ModelPay-Per-Usage
- Deployment Time3–5 Days
- Customers100+ NBFCs & Lenders
- Best ForNBFCs, Fintechs, MFIs
- Founded2016
- HeadquartersMumbai, India
- Platform TypeCloud-Based
- Pricing ModelAnnual License
- Deployment Time30–90 Days
- Customers50+ Institutions
- Best ForMid-to-Large NBFCs
Full Feature Comparison
Every major feature and capability across both platforms, rated objectively.
| Feature / Parameter | Roopya | Allcloud |
|---|---|---|
| Platform & Technology | ||
| Architecture | ✓ Cloud-Native Microservices | Cloud-Based Monolith |
| No-Code Configuration | ✓ Full No-Code | Partial |
| AI / ML Capabilities | ✓ Native AI Engine | Third-party Integrations |
| Mobile App | ✓ iOS & Android | Web Responsive Only |
| Uptime SLA | ✓ 99.9% | 99.5% |
| Loan Origination (LOS) | ||
| Digital Application Capture | ✓ Yes | ✓ Yes |
| eKYC / Video KYC | ✓ Built-In | Add-on Module |
| Bureau Integration (CIBIL, Experian) | ✓ Built-In | ✓ Yes |
| Rule Engine for Credit Decisioning | ✓ Advanced No-Code Rules | Basic Rule Engine |
| Alternate Data Scoring | ✓ GST, Bank Statement, UPI | Not Available |
| Loan Product Configurator | ✓ Unlimited Products | Limited Products |
| Co-Lending / Co-Origination | ✓ Yes | Not Available |
| Loan Management (LMS) | ||
| Full Loan Lifecycle Management | ✓ End-to-End | ✓ Yes |
| Repayment Scheduling | ✓ All EMI Structures | ✓ Yes |
| Prepayment & Foreclosure | ✓ Automated | Manual Steps Required |
| NACH / eMandate Integration | ✓ Built-In | Third-party Needed |
| Collections Automation | ✓ AI-Driven | Basic Module |
| NPA / Bucket Management | ✓ Automated | ✓ Yes |
| Waiver & Settlement Management | ✓ Yes | Limited |
| Integrations & APIs | ||
| Open API (REST) | ✓ Full API Access | Partial APIs |
| Accounting System Integration | ✓ Tally, SAP, Zoho | Tally Only |
| Banking & Payment Integration | ✓ 20+ Banks, BBPS, UPI | Select Banks |
| AA (Account Aggregator) Integration | ✓ Yes | Not Available |
| Custom Webhook Support | ✓ Yes | Limited |
| Compliance & Reporting | ||
| RBI Regulatory Reports | ✓ Auto-Generated | ✓ Yes |
| Ind AS / IFRS Accounting | ✓ Built-In | Requires Customization |
| Custom Report Builder | ✓ Drag-and-Drop | Limited Templates |
| Real-Time Analytics Dashboard | ✓ Yes | Scheduled Reports |
| Audit Trail | ✓ Full Audit Log | ✓ Yes |
| Support & Implementation | ||
| Go-Live Time | ✓ 3–5 Business Days | 30–90 Days |
| Implementation Cost | ✓ Zero | ₹5L – ₹25L |
| Customer Support | ✓ 24/7 Dedicated | Business Hours |
| Training & Onboarding | ✓ Included | Paid Add-on |
| Data Migration Assistance | ✓ Included | Additional Cost |
Parameter Deep-Dive
A closer look at the areas that matter most to lending operations.
AI & Credit Intelligence
Roopya Wins
Native AI engine with alternate data scoring
Built-in ML models analyze GST data, bank statements, UPI transaction history, and Bureau data together. No third-party ML vendor required. Models are continuously retrained on live portfolio data.
Relies on third-party AI/ML integrations. Bureau checks are standard. No native alternate data processing. Custom scoring models require external implementation and additional cost.
Deployment & Go-Live
Roopya Wins
Live in 3–5 business days
Single sign-up flow. Pre-built connectors for all major bureaus, banks, and payment gateways. No on-site installation. Configuration is self-service via no-code interface.
Typical deployment takes 30–90 days depending on the complexity of requirements. Requires dedicated implementation team, project management, and UAT cycles before going live.
No-Code Configuration
Roopya Wins
100% no-code for loan products, workflows, and rules
Configure loan products, repayment schedules, credit rules, approval workflows, and reports entirely through a visual interface. No developer dependency for product changes.
Offers some configurable templates, but customizations to credit rules, workflow logic, and loan products typically require vendor involvement and development effort, increasing both time and cost.
Collections Management
Roopya Wins
AI-driven collections with predictive risk buckets
Automated payment reminders via SMS, WhatsApp, and email. AI predicts likelihood of default per customer and prioritizes field collection agents accordingly. Integrated NACH reversal management.
Basic collections module covering overdue tracking and manual follow-up assignment. No AI prioritization. Limited automation in communication workflows. NACH handled via separate integration.
Integrations & Ecosystem
Roopya Wins
200+ pre-built integrations out of the box
Covers all 4 bureaus (CIBIL, Experian, Equifax, CRIF), Account Aggregator (AA), 20+ banks, BBPS, UPI, eNACH, eSign, NSDL, GST, GSTN, and leading accounting tools.
Covers the main bureaus and select banking integrations. Account Aggregator and GST-based alternate data are not available. Fewer pre-built connectors means more custom development time for new integrations.
Scalability & Performance
Roopya Wins
Auto-scales from 10 to 100,000 loans/month
Microservices architecture on AWS with auto-scaling. No infrastructure planning needed. Handles seasonal spikes automatically. 99.9% SLA with zero-downtime deployments.
Cloud-hosted but may require capacity planning for large volume spikes. Scaling often involves coordination with the vendor’s infrastructure team and may incur additional hosting costs.
Compliance & Regulatory
Both Compliant
Auto-updated for RBI circulars
RBI regulatory reports auto-generated. Ind AS / IFRS ECL provisioning built-in. DPDP Act compliant data handling. Regulatory updates pushed automatically to all customers.
Covers RBI regulatory reporting and core compliance requirements. Regulatory updates are typically delivered via version upgrades that may require customer-side testing and implementation effort.
Customer Support
Roopya Wins
24/7 dedicated support included
Dedicated customer success manager, 24/7 technical support via chat, email, and phone. Training, onboarding, and ongoing product education included in the subscription. No extra charges.
Business-hours support with an SLA-based ticketing system. Extended support and dedicated account management are available at an additional cost. Onboarding and training are typically billable.
How the Two Pricing Models Compare
Pricing is one of the most critical differences between the two platforms. One model aligns with your growth; the other doesn’t.
- ✓ Zero implementation cost
- ✓ Zero infrastructure cost
- ✓ Zero upgrade cost
- ✓ All features included at base
- ✓ 24/7 support included
- ✓ Onboarding & training included
- ✓ Scales with your business
- ✓ No lock-in contracts
- ✕ Implementation: ₹5L–₹25L extra
- ✕ Infrastructure: ₹3L–₹10L/year extra
- ✕ Upgrades often require paid effort
- ▲ Module-based add-on pricing
- ▲ Training & onboarding billable
- ▲ Extended support plans extra
- ✕ High upfront cost even at low volumes
- ✕ 1–3 year lock-in typical
What Do You Actually Pay?
Based on typical Indian NBFC profiles, here is what the annual cost looks like across different loan volumes.
| NBFC Profile | Monthly Volume | Roopya Annual Cost | Allcloud Annual Cost | Your Savings |
|---|---|---|---|---|
| Small NBFC / New Fintech | 100–300 loans | ₹7.8L – ₹9.6L | ₹35L – ₹45L | Save ₹25L+/yr |
| Mid-Size NBFC | 500–1,000 loans | ₹12L – ₹18L | ₹45L – ₹65L | Save ₹35L+/yr |
| Growing NBFC | 1,500–3,000 loans | ₹24L – ₹42L | ₹60L – ₹90L | Save ₹40L+/yr |
| Large NBFC | 5,000+ loans | ₹66L+ | ₹80L – ₹1.5 Cr | Save ₹40–80L/yr |
* Roopya cost = ₹6L base/year + ₹100 per application. Allcloud cost estimates include license, infra, and AMC. Actual costs vary by specific configuration and negotiation.
10 Reasons Roopya Comes Out Ahead
After evaluating both platforms across every parameter, here is why Roopya is the stronger choice for most Indian lenders today.
Pricing That Aligns With Your Growth
Pay-per-usage means you pay low when you’re small and scale costs naturally as you grow. No ₹30–80L annual commitment before processing a single loan.
Go Live in Days, Not Months
A 3–5 day deployment versus 30–90 days means you start generating revenue earlier. For a lender disbursing ₹1 Cr/month, every week of delay is real money lost.
Native AI Without Extra Cost
Alternate data scoring using GST, bank statements, and UPI history is built in. No additional ML vendor, no data science team required. Better credit decisions from day one.
Zero Implementation Cost
No ₹5–25L setup fee. No dedicated implementation project. Roopya’s self-service onboarding and guided setup means the platform works out of the box.
Account Aggregator Ready
AA integration for consent-based financial data fetching is live on Roopya. This is the future of underwriting in India and Allcloud does not currently offer it.
200+ Integrations Pre-Built
Every bureau, bank, payment gateway, eKYC provider, and AA framework is already integrated. No custom development needed for the standard Indian fintech stack.
True No-Code Platform
Configure new loan products, modify credit rules, and update workflows without raising a development ticket or paying for customization. Your team stays in control.
24/7 Support Included
Dedicated customer success and round-the-clock technical support are part of the base plan. No tiered support packages. No paying more for faster response times.
AI-Driven Collections
Predictive default scoring improves recovery rates. Automated multi-channel communication and intelligent field agent assignment reduces NPA without increasing headcount.
No Lock-In Contracts
Month-to-month flexibility. No multi-year commitments required to get competitive pricing. This forces continuous product improvement — you stay because it works, not because you’re contractually obligated.
Which Platform Should You Choose?
Both platforms are legitimate choices, but for different situations. Here is the honest breakdown.
- ✓ You want to go live quickly without a long project
- ✓ You need AI and alternate data scoring
- ✓ You process 100–10,000 loans per month
- ✓ You want cost to scale with volume, not be fixed
- ✓ You need Account Aggregator integration
- ✓ You want no-code control without vendor dependency
- ▲ You have a very large, stable loan book with predictable volumes above 10,000 loans/month
- ▲ You already have a long-term relationship with the Allcloud team
- ▲ You have an internal IT team to manage a longer implementation
For the overwhelming majority of Indian NBFCs, Roopya delivers more features, faster deployment, lower total cost, and better technology — all with a pricing model that grows with you rather than against you.
Ready to See Roopya in Action?
Get a personalised demo and cost comparison for your specific loan volume and product mix.
