OxyLoans

Peer-to-Peer Lendingoxyloans.com

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
Headcount1–10
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: 1–10 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 industry: PRIMARYFSAKAHAC
P2P Small Business / SME Marketplace Lending
Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending
SECONDARYFSAKAHAA
Consumer P2P Personal Loans (Unsecured)
Financial & Insurance/Lending & Consumer Finance/Peer-to-Peer (P2P) & Marketplace Lending
SECONDARYFSAGAHAL
Marketplace & Loan Aggregation Platforms (Borrower-Lender Matching)
Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)
SECONDARYFSAGAHAC
Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking)
Financial & Insurance/Financial Technology (Fintech)/LendTech (Digital Lending Platforms & Credit Decisioning)

Keywords

Peer-to-peer lending
P2P lending platform
Personal lending
SME lending
NBFC P2P lending

Where OxyLoans is headquartered

Location

Headquarters

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 offering

Core 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 profile

Named customers7 records

Segments6 records

Ideal customer profiles4 records

OxyLoans technology and API

Technology

Technology 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 signal

Partnerships

Three partnerships are on record, tiered core.

IDFC BankcoreTechnology or IntegrationIDFC 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)coreTechnology or IntegrationPlatform 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)coreTechnology or IntegrationElectronic 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 assessment

Direct 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 compliance and trust

Trust signal

Compliance1 record

OxyLoans financial estimates

Financial estimate

Revenue estimate

Valuation estimate

OxyLoans leadership team

Management profile

Number of profiles

Profiles9 records

OxyLoans funding detail

Funding detail

Funding 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 investment

M&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?

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 1 to 10 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.