What Oolka does

Oolka is an AI-driven consumer credit management platform headquartered in Bengaluru, India, serving Indian retail consumers through a free mobile app and companion web app at oolka.in. The platform is operated by Oolka Financial Services Private Limited (formerly Sixdis Technologies Private Limited, CIN U62099KA2023PTC180370), founded in 2024 by Utkrishta Kumar, a former Meesho business head. Its core products combine a free credit-score check (Experian live, with CIBIL, CRIF, and Equifax integrated under CICRA authorized-representative status), the Oolka AI agent (formerly branded "Dhruva") that reads bureau reports, drafts and files disputes, negotiates with lenders, and follows up autonomously with explicit per-action user approval, a Loan EMI and Bill Payments service routed through Bharat Connect (NPCI) and partner aggregators across 300+ operators, an Oolka Credit Builder for thin-file consumers, an Oolka Coins rewards programme, a marketplace of lending partners (IDFC FIRST Bank, DMI Finance, L&T Finance, DSP Finance, InCred, Volt Money), and a suite of free financial calculators.

The underlying technology stack pairs an agentic AI credit workflow with licensed API integrations to all four Indian credit bureaus, Gmail OAuth (gmail.modify scope) for dispute-thread tracking with PDF parsing, Bharat Connect / NPCI bill-pay infrastructure, and Android intent-resolution UPI handler detection without QUERY_ALL_PACKAGES permission. Data is hosted on AWS in ISO 27001-compliant data centres with AES-256 encryption at rest and TLS 1.2+ in transit, and the platform is governed by CASA Tier 2 annual security assessments, Google API Limited Use Policy compliance, and India's CICRA framework. AI Plus (Dhruva) is the paid subscription tier delivered via UPI auto-pay; the Dispute Resolution service operates under separate Additional Terms with a 90-day tenure. Oolka reports 6M+ registered users, 70 lakh+ (7M+) app downloads, a 4.8-star Play Store rating, $2.5M in ARR, and approximately $21M raised across a $7M Seed (September 2025, Lightspeed India Partners and Z47) and a $14M Series A (April 2026, Accel-led at ~INR 730 crore post-money).

Oolka monetizes through three streams: (1) a freemium + AI-action subscription (AI Plus / Oolka AI), the primary recurring revenue driver; (2) referral and facilitation fees from lending partners for referred credit products and assisted settlement of outstanding dues; and (3) transaction-based revenue from facilitating loan EMI, credit card, and other bill payments through Bharat Connect (NPCI). Distribution is D2C via a product-led growth funnel anchored on the free credit-score check, supplemented by a SEO-driven blog and calculator suite, an EMI-operator marketplace for utility engagement, and a B2B2C referral channel through partner banks and NBFCs. The platform is restricted to India per the Terms & Conditions.

Name

Oolka

Legal name

Sixdis Technologies Private Limited (now Oolka Financial Services Private Limited)

Website

https://oolka.in

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

51–100 employees

Short description

Oolka is an AI-driven consumer credit management platform serving Indian consumers. It offers free credit-score checks, an agentic AI assistant for bureau disputes and lender negotiation, an EMI bill-payment marketplace, and lending-partner referrals, monetized via subscriptions, referral fees, and transaction fees.

Ownership category

akta.pro rank

Product category

Consumer Credit Management

NAICS

Credit Bureaus (56145)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

akta.pro secondary industries

A2A Payment Initiation Service Providers (PISPs) (FSAMAFAB), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Accounts Payable Automation & Supplier Payments (FSAGAJAD)

Keywords

• Credit score management
• AI credit assistant
• Credit dispute resolution
• Consumer credit monitoring
• Loan EMI payments

Headquarters

HQ city

Bengaluru

HQ country

India

HQ region

Asia

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Freemium + AI-action subscription: Free tier offers unlimited credit score check (Experian/CRIF), report analysis, and Oolka AI chat. Paid tier (Dhruva / AI Plus) is a recurring UPI auto-pay subscription that unlocks autonomous actions: filing bureau disputes, drafting lender emails, settlement negotiations, and monthly proactive re-checks. Subscription can be cancelled via UPI auto-pay UI.
2. Referral and facilitation fees from lending partners: Oolka receives referral and facilitation fees from partner banks and NBFCs (IDFC FIRST Bank, DMI Finance, L&T Finance, DSP Finance, InCred, Volt Money, and marketplace lenders) for referring users to credit products and assisting with settlement of outstanding dues. Also earns fees for forwarding user contact details to third-party lenders for pre-approved offers.
3. Bill payment facilitation (UPI / Bharat Connect): Transaction-based revenue from facilitating EMI, credit card, and other bill payments through Bharat Connect (NPCI) infrastructure and aggregators. Users pay loans across 300+ operators with cashback via Oolka Coins; third-party payment processing fees and data usage charges may apply.

Go-to-market motion4 records

Core offering

Oolka is a consumer mobile and web platform that delivers free credit-score checks (Experian, with CIBIL and CRIF integration) and a paid agentic AI assistant (Oolka AI) that reads bureau reports, drafts and files disputes, negotiates with lenders, and tracks cases until resolution. It also operates a marketplace of 300+ lending partners for loan and credit-card referrals and routes EMI and bill payments through Bharat Bill Pay (NPCI) infrastructure, generating subscription, referral and transaction-fee revenue.

Product overview

Oolka is a single consumer-facing platform — the Oolka mobile app and companion web app at oolka.in — built around a free credit-score-check funnel and a paid, agentic AI credit expert named Oolka AI (formerly Dhruva). The platform combines several tightly integrated products: the Oolka app itself, the always-free Free Credit Score Check (Experian, with CIBIL/CRIF integration), the paid Oolka AI agent for dispute drafting, filing, and lender negotiation, the Oolka Credit Builder tool for users with no credit history, the Loan EMI Payment and broader Bill Payments services routed through Bharat Bill Pay (NPCI) and partner aggregators, the Dispute Resolution (DR) service as a separately governed paid module, the AI Plus (Dhruva) recurring subscription tier, the Oolka Coins rewards programme, a Marketplace of Lending Partners (banks/NBFCs) for loan and card referrals, and a suite of free Financial Calculators. AI Plus and the Dispute Resolution service sit on top of the same bureau and Gmail integrations and are governed by Additional Terms layered over the platform's primary Terms & Conditions; together these products position Oolka as a full-stack credit health and bill-payment OS for Indian consumers.

Differentiator

Problem solved

Functional benefit

Brands

• Oolka AI: AI credit assistant / agent inside the Oolka app that reads the user's credit report, drafts disputes, negotiates with lenders, and follows up. Previously branded as "Dhruva".
• AI Plus (Dhruva – AI Plus Subscription)
• Oolka Coins

Products and services

• Oolka App Mobile and web platform for Indian consumers to check their Experian/CIBIL/CRIF credit score, monitor credit health, pay loan EMIs and bills, and access paid AI-driven credit-improvement services.
• Oolka AI (formerly Dhruva) Agentic AI credit expert embedded in the Oolka app that reads full bureau reports, explains them in Hindi/English/100+ Indian regional languages, drafts and files CIBIL/Experian/CRIF disputes, drafts lender negotiation emails for settlements and NOCs, follows up automatically, and tracks every case in a dashboard. Sold as the paid "AI Plus" subscription under UPI auto-pay.
• AI Plus (Dhruva) Subscription Recurring subscription tier atop Oolka AI offering personalised credit-improvement insights, recommendations and continuous monitoring via proprietary algorithms; charged via UPI auto-pay, renews automatically, cancellable from the user's UPI app; subscription fees are non-refundable beyond the cancellation window.
• Dispute Resolution (DR) Service Paid service under which Oolka interfaces with lenders/creditors on the user's behalf to identify overdue/delinquent accounts, draft dispute and settlement communication, and obtain NOCs; governed by Additional Terms; non-refundable charges, 90-day tenure or until Closure Action is implemented.
• Oolka Credit Builder Tool within the Oolka app that helps users with no credit history ('NH' status) build their first credit score toward 800+; described on the homepage as a guided credit-builder loan product that initiates credit history without traditional risk.
• Loan EMI Payment EMI payment service integrated with hundreds of lenders across banks, NBFCs, and housing/microfinance/auto financiers; routes payments through Bharat Bill Pay (RBI–NPCI initiative) and partner aggregators, supports debit/credit card, UPI, wallet, and net banking, with cashback rewards in Oolka Coins.
• Bill Payments Facilitator service that lets users pay credit card bills, mobile, and other utility bills through aggregators and the Bharat Connect Operating Unit (NPCI); processes payments only, with Oolka acting solely as a facilitator and not a party to the underlying transaction.
• Marketplace / Lending Partner referrals Digital marketplace that lets users discover, compare, and apply for loans, credit cards, and other credit facilities offered by partner banks, NBFCs, and regulated financial institutions; Oolka acts solely as a facilitator, does not underwrite, and receives referral/commission fees from Lending Partners in compliance with RBI Digital Lending Guidelines.
• Oolka Coins Rewards In-app reward currency earned through actions such as first credit pull, successful loan/credit-card payments, secured-card issuance, and monthly re-checks (e.g., 20 coins at activation, up to 5,000 on payments, 1,000 on secured card). 10 Oolka Coins = INR 1, redeemable up to 30% against bill payments; cannot be purchased or transferred.
• Financial Calculators Suite of six free calculators embedded in the Oolka blog: EMI Calculator, Credit Utilization Calculator, Credit Score Impact Simulator, Home Loan Calculator, Car Loan Calculator, and Debt-to-Income Ratio Calculator; the Credit Score Impact calculator feeds into Oolka AI's predictive guidance.

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability2 records

Feature6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• CRED: CRED is a Bangalore-based consumer fintech that aggregates credit-card bill payments, rewards users, and is layering credit-improvement and lending-referral products. It is the closest direct competitor to Oolka in the Indian "credit-health + bill-pay" wallet.
• OneScore (by 1M1B/OneCode): OneScore is an Indian consumer credit-score and credit-report app providing free Experian/CIBIL/CRIF/Equifax score checks with personalisation. It directly overlaps Oolka's free score-check funnel and bureau-based product surface.
• CreditMantri: CreditMantri is a Chennai-based credit-improvement and lending-matchmaking platform for Indian consumers. It competes with Oolka in bureau-driven credit-health guidance and lender referrals.
• BankBazaar: BankBazaar is an Indian lending marketplace offering free credit scores, loan and card comparisons, and lender referrals. It competes directly with Oolka's marketplace and free-score-check acquisition surfaces.
• MoneyTap: MoneyTap is an Indian consumer credit line product offering credit score tracking alongside its lending product. It overlaps Oolka's credit-builder and lender-referral positioning.
• PaySense (by LazyPay): PaySense is an Indian digital credit and personal-loan platform. It competes with Oolka in personal-loan referrals to NBFC/bank partners and is adjacent in the consumer credit management category.
• KreditBee: KreditBee is a Bangalore-based personal-loan and credit-management app targeting salaried and self-employed consumers. It overlaps with Oolka's marketplace and credit-building use cases.

Emerging players

• Perfios: Perfios is a Bangalore-based fintech that aggregates financial data, performs credit underwriting, and powers lending workflows. It is an emerging partner/competitor at the bureau-data and lender-integration layer that underpins Oolka's platform.
• Lendingkart: Lendingkart is an Ahmedabad-based SME and consumer digital lending platform. It overlaps with Oolka in the Indian NBFC partner and lending-referral ecosystem.

Broad incumbents

• Paisabazaar: Paisabazaar (Policybazaar group) is a broad Indian financial-product marketplace offering free credit reports alongside loan, card, and insurance comparisons. It is a broad-incumbent competitor to Oolka's marketplace and free-score-check surfaces.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Oolka_app
• YouTubeyoutube.com/@OolkaYT
• Facebookfacebook.com/61557508056337
• Instagraminstagram.com/oolka.in
• LinkedInlinkedin.com/company/oolka

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Oolka