OxyLoans
OxyLoans is an RBI-registered NBFC-P2P operating a peer-to-peer lending marketplace that connects individual and institutional lenders with individual and SME borrowers across India, monetizing through transaction fees and lender membership subscriptions.
- Company typePrivate
- Founded2016
- HeadquartersHyderabad, India
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What OxyLoans does
OxyLoans, operated by SRS Fintechlabs Private Limited, is an RBI-registered NBFC-P2P (Certificate of Registration No. N-09.00464, dated Feb 06, 2019) operating a peer-to-peer lending marketplace that connects individual and institutional lenders with individual and SME borrowers across India. Its core product is a digital marketplace enabling self-serve registration, Aadhaar-based eKYC, Experian/CIBIL credit bureau integration, proprietary Oxy Score credit assessment, and escrow-based fund transfer through IDFC Bank and ICICI/HDFC/PayU payment rails. The platform supports personal, SME, business, motor, travel, technology, and sports loan products, and offers supplementary modules including Lender and Borrower dashboards, an EMI Calculator, Auto Invest configuration, and a NeoBank white-label offering for partners.
The company monetizes through transaction-based fees charged to both sides of the marketplace: borrowers pay 2.5–7% of loan amount plus 4% processing (with GST), while lenders pay 0.5–1% plus 1.5% processing (with GST). A separate recurring revenue stream comes from tiered lender membership subscriptions ranging from INR 1,180 (one month) to INR 100,000 (lifetime/14 years). Distribution is direct-to-consumer through the oxyloans.com website, an Android mobile application, and a multi-channel marketing strategy spanning content, social media, referral incentives, and partner onboarding, with a small 11–50 employee team headquartered in Hyderabad.
OxyLoans firmographics
Firmographics- Name
- OxyLoans
- Legal name
- M/S SRS FINTECHLABS PVT. LTD.
- Website
- https://oxyloans.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- OxyLoans is an RBI-registered NBFC-P2P operating a peer-to-peer lending marketplace that connects individual and institutional lenders with individual and SME borrowers across India, monetizing through transaction fees and lender membership subscriptions.
- Ownership category
- akta.pro rank
OxyLoans industry classification
Industry- Product category
- Peer-to-Peer Lending
- NAICS
- Credit Intermediation and Related Activities (522), Mortgage and Nonmortgage Loan Brokers (52231), Consumer Lending (522291), Activities Related to Credit Intermediation (5223)
- SIC
- Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- P2P Small Business / SME Marketplace Lending (FSAKAHAC)
- akta.pro secondary industries
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA), Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching) (FSAGAHAL), Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)
Keywords
Where OxyLoans is headquartered
LocationHeadquarters
- HQ city
- Hyderabad
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
OxyLoans business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Borrower Transaction Fees: Platform charges borrowers a fee ranging from 2.5% to 7% on loan amount disbursed. Additional borrower fees of 4% on transaction value plus GST for processing.
- Lender Transaction Fees: Platform charges lenders a fee ranging from 0.5% to 1% on loan amount. Additional lender fees of 1.5% on transaction value plus GST.
- Membership Subscriptions: Annual and multi-year membership plans for lenders ranging from INR 1,180 (1 month) to INR 100,000 (lifetime/14 years) plus applicable GST. Provides unlimited deal participation during validity period.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Per transaction | Standard Lender Transaction Fee |
| Transaction based/ take rate | Per transaction | Standard Borrower Transaction Fee |
| Subscription | Annual | 1 Year Membership Plan |
| Subscription | Multi-year contract | 5 Years Membership Plan |
| Subscription | Multi-year contract | 10 Years Membership Plan |
| Subscription | Multi-year contract | Lifetime/14 Years Membership Plan |
| Subscription | Monthly | 1 Month Membership Plan |
| Subscription | Pay-as-you-go | 3 Months Membership Plan |
| Subscription | Pay-as-you-go | 6 Months Membership Plan |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
OxyLoans product offering
Product offeringCore offering
OxyLoans operates an RBI-registered NBFC-P2P digital marketplace that facilitates direct peer-to-peer lending between individual and institutional lenders and individual, SME, and business borrowers in India. The platform underwrites borrowers via a proprietary Oxy Score credit model combining Experian credit data with social validation, executes transactions through IDFC Bank escrow accounts, and earns transaction and membership fees. Product offerings span personal loans, SME loans, business loans, motor loans, travel loans, technology loans, and sports loans.
Product overview
OxyLoans operates as an RBI-registered NBFC-P2P (Non-Banking Financial Company - Peer to Peer Lending Platform) offering a digital marketplace for peer-to-peer lending. The core product is the P2P Lending Platform supplemented by multiple loan products including Personal Loans, SME Loans, Business Loans, Motor Loans, Travel Loans, Technology Loans, and Sports Loans. Platform modules include Lender Dashboard and Borrower Dashboard for authenticated user management. Additional tools include EMI Calculator and Auto Invest feature for automated lending. The NeoBank Platform enables partners to launch white-label P2P lending solutions.
Differentiator
Problem solved
Functional benefit
Products and services
- P2P Lending Platform Peer-to-peer lending marketplace connecting individual and institutional lenders with individual, SME, and business borrowers in India; operated under RBI NBFC-P2P registration.
- Personal Loans Unsecured personal loans for individual Indian residents for purposes including education, home renovation, travel, motor vehicles, and technology purchases.
- SME Loans Working capital and growth financing for small and medium enterprises, funded through syndicated lending from multiple lenders on the platform.
- Business Loans Loans for business working capital and expansion funded by individual and institutional lenders via the P2P marketplace.
- Motor Loans Vehicle financing loans facilitated through the P2P lending platform.
- Travel Loans Personal loans offered through the P2P platform specifically for travel and vacation financing.
- Technology Loans Loans for technology purchases and digital transformation needs funded through the P2P marketplace.
- Sports Loans Specialized loans for sports-related financing needs offered through the P2P lending platform.
- NeoBank White-Label Platform White-label P2P lending platform enabling business partners to launch their own NeoBank solutions using OxyLoans technology and infrastructure.
Quantifiable outcome
- ₹1,000,000,000+ disbursed across platform
- +2 more outcomes
Companies that use OxyLoans
Customer profileNamed customers7 records
Segments6 records
Ideal customer profiles4 records
OxyLoans technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability5 records
Feature5 records
OxyLoans partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- IDFC BankcoreIDFC Bank provides escrow account services for OxyLoans P2P platform. Two escrow accounts maintained: one for lender funds pending disbursement and one for borrower collections. All fund transfers between lenders and borrowers processed through these escrow accounts.
- Credit Information Companies (CIBIL, Experian)corePlatform accesses credit bureau data including Experian credit scores and CIBIL reports for borrower credit assessment. Credit information shared with Credit Information Companies on monthly basis per RBI requirements.
- Aadhaar (UIDAI)coreElectronic KYC verification through Aadhaar authentication for identity and address validation of borrowers and lenders on the platform.
Scale indicators8 records
Recent moves5 records
Expansion highlights5 records
OxyLoans competitors and assessment
Company assessmentDirect peers
- i2iFunding: RBI-registered Indian P2P lending platform focused on personal and SME lending. Comparable marketplace structure, fee model, and borrower segments to OxyLoans.
- LenDenClub: One of India's largest RBI-registered NBFC-P2P platforms, offering consumer and small-business P2P loans. Directly competes with OxyLoans in the same regulatory and product category, with a similar investor-borrower marketplace model.
- Faircent: RBI-registered P2P lending platform in India connecting individual lenders with borrowers for personal and business loans. Closest direct peer to OxyLoans given matching product set, regulatory standing, and target segments.
- Liquiloans: RBI-registered P2P lending NBFC in India focused primarily on salaried personal loans. Highly comparable in product mix, regulatory framework, and lender/borrower targeting.
- Finzy: P2P lending platform in India offering returns to individual and institutional lenders. Operates in the same marketplace, regulatory, and customer segments as OxyLoans.
- Lendbox: RBI-registered P2P lending platform in India focused on personal loans to salaried and self-employed borrowers. Directly comparable business model and target customer base.
Emerging players
- Peerlend: Smaller-scale Indian P2P lending platform with similar personal and SME loan focus. Useful smaller-scale benchmark for OxyLoans' competitive position.
Regional players
- Zopa: UK-based pioneer of P2P lending, now operating as a digital bank. Relevant comparable for OxyLoans' UK expansion plans and for benchmarking P2P business model evolution.
- Funding Circle: UK-origin SMB-focused P2P lending platform. Highly relevant for OxyLoans' SME syndicated loan product and GCC/UK expansion, with deep institutional underwriting experience.
Broad incumbents
- Upstart: US AI-driven consumer lending platform using alternative data and ML underwriting. Comparable on the credit-decisioning technology axis and relevant benchmark for evolving Oxy Score methodology.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
OxyLoans social profiles
Digital presenceOxyLoans compliance and trust
Trust signalCompliance1 record
OxyLoans financial estimates
Financial estimateRevenue estimate
Valuation estimate
OxyLoans leadership team
Management profileNumber of profiles
Profiles9 records
OxyLoans funding detail
Funding detailFunding overview
Funding rounds2 records
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OxyLoans M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about OxyLoans
What does OxyLoans do?
OxyLoans operates an RBI-registered NBFC-P2P digital marketplace that facilitates direct peer-to-peer lending between individual and institutional lenders and individual, SME, and business borrowers in India. The platform underwrites borrowers via a proprietary Oxy Score credit model combining Experian credit data with social validation, executes transactions through IDFC Bank escrow accounts, and earns transaction and membership fees. Product offerings span personal loans, SME loans, business loans, motor loans, travel loans, technology loans, and sports loans.
Is OxyLoans a public or private company?
OxyLoans is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was OxyLoans founded?
OxyLoans was founded in 2016. It employs 11 to 50 people.
Where is OxyLoans based?
OxyLoans is headquartered in Hyderabad, India, in the Asia region.
How does OxyLoans make money?
Three revenue lines are on record. Borrower Transaction Fees are the primary driver. The others are lender Transaction Fees and membership Subscriptions.
Who are OxyLoans's main competitors?
Direct peers on record are i2iFunding, LenDenClub, Faircent, Liquiloans, Finzy and Lendbox. Peerlend is listed as an emerging player. Regional players are Zopa and Funding Circle. Upstart is listed as a broad incumbent.
Does OxyLoans have an API?
No public API is recorded for OxyLoans.
What industry is OxyLoans in?
OxyLoans's product category is Peer-to-Peer Lending. Its primary akta.pro industry code is FSAKAHAC, P2P Small Business / SME Marketplace Lending, with a secondary code of FSAKAHAA, Consumer P2P Personal Loans (Unsecured). Its NAICS code is 522 and its SIC code is 6141.