Roopya Pricing 2026

Plans, hidden costs, and cheaper alternatives compared

Pricing verifiedJul 2026

5 plans tracked·Updated Jul 2026

Is Roopya worth the price?

65/10

Roopya's pricing model, with a significant ₹10,00,000 setup fee and ₹100 per loan processed, appears expensive for smaller financial institutions.

The 'Professional' and 'Enterprise' tiers, both priced at ₹100 per loan, offer extensive features but the high upfront cost makes it a substantial investment. This pricing structure is best suited for established financial institutions with high loan volumes that can absorb the initial setup cost and benefit from the per-loan model.

Pricing Plans

Setup Fee

₹10,00,000

One-time setup cost

Per Loan

₹100

Per loan processed on the platform

API Calls

Actuals

Billed based on usage

Professional

₹100 per loan processed

Core Lending System
Loan Origination System
Loan Management System
Collections System
Early Warning System
Document Management
Payment Processing APIs & Integrations
300+ Pre-integrated APIs

Enterprise

₹100 per loan processed

Everything in Professional, plus:
AI-Powered Modules
AI-based Credit Scoring
Intelligent Document Processing
Advanced Fraud Detection
AI-driven Collections Engine
Natural Language Processing
Conversational AI Chatbots

Calculate your cost View full pricing

Hidden Costs & Gotchas

Significant one-time setup fee

API calls billed separately as 'Actuals'

Per-loan cost can accumulate quickly

Which Plan Do You Need?

Large financial institutions

High-volume loan processors

Institutions needing extensive features

How Roopya Compares to Competitors

Compared to platforms like Mambu, which often use a subscription-based model with tiered features, Roopya's upfront ₹10,00,000 setup fee is a major differentiator. While Mambu might have higher monthly fees, Roopya's per-loan cost of ₹100, on top of the setup, could make it more expensive for institutions with very high transaction volumes over time, though it offers a comprehensive feature set similar to other core banking solutions.

Roopya Pricing FAQ

How much does Roopya cost?

Roopya starts at $100/month on the Per Loan plan. It offers 2 paid tiers ranging from $100/month up to $100/month. A free plan is also available with limited features.

Does Roopya have a free plan?

Yes. Roopya offers a free plan called "Professional". It includes: Core Lending System, Loan Origination System, Loan Management System.

What is the cheapest Roopya paid plan?

The cheapest paid plan for Roopya is "Per Loan" at $100/month. Key features include: Per loan processed on the platform.

Is there a cheaper alternative to Roopya?

Yes. Popular alternatives to Roopya include Encompass, Avantos.ai, InvestStream. Free alternatives include Encompass. Compare them side-by-side on Toolradar.