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Roopya Making Personal Loan and Credit Card Application Simple

Personal Loan

Instant approval and paperless process for salaried and self-employed professionals.

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Credit Card

AI based credit card profiling curated from a list of 40+ credit card

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Home Loan

Buying your dream house is just 1 click away. Easy sanction & minimal documentation.

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How It works ?

We are a leading credit decision making platform using the power of data and technology to make your loan application simple

Apply In 2 Mins

100% paperless, easy loan application process can be completed in 2 mins.

Instant Approval

On successfully completing the application you can get instant approval

Receive Money in 1 Hr

Quickest loan disbursment directly to bank account within 1 hour of approval.

Our Lending Partners


Credit Decision Platform

Multi-channel import of loan applications

Now processing loan applications from multiple channels become convenient. The web-based front-ends of the solution help to capture and import applications from different online portals, branches, etc.

Apply credit policies & decisioning strategies

To check whether the credit applications are as per lenders’ credit policies and strategies or not is possible with the help of the solution. Apart from that, compliance checks like blacklist tracking and fraud detection can be performed by the banks as well.

Multiforce credit check

We know that additional credit checks and credit efficiency matter to you a lot. That’s why we use alternate and proprietary algorithms to make the credit check process effective.

Request to credit bureaus

Collecting client information from the external data sources helps to verify new clients. And with the help of the Credit Bureau Gateway, you can maintain the uninterrupted alliance with such sources as credit bureaus.

Risk rating & scoring

The creditworthiness of the borrowers makes a huge difference in the origination of the credit process. Thus the platform help in the execution of the risk rating models and internal credit risk scoring to check the credit efficiency of the borrowers.

Loan approval & decision

Now the automation of loan decisions is possible to any extent as per the individual bank credit policies and strategies. And when it comes to the critical multi-level and role-based approval processes, the solution can efficiently support that too.

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Eligibility Criteria for Loan Approval

  • You must have a business, or must be a salaried employee.
  • Age Limit : Minimum : 21 years, Maximum: 58 years.
  • No defaults in last 24 months.
  • A good credit score.
  • Must be an Indian Citizen.
  • Minimum monthly income should be Rs. 15,000.

List of document required after approval

  • PAN Card.
  • Aadhaar Card.
  • Last 3 months bank statement.
  • Last 3 salary slips for salaried or CA certified income statement for self employed.
  • Company ID card copy for salaried.
  • Passport size photograph.
  • Any other documents required by the lending institution.