Oolka

Oolka, based in Bengaluru, Karnataka, offers innovative AI-driven financial tools designed to improve credit scores and promote healthy credit behaviors among users. Founded in 2023 in Bangalore, India, Oolka provides solutions aimed at enhancing users' credit scores. The company raised USD 7. 000 mn in SEED funding on September 24, 2025, co-led by Lightspeed India Partners and Z47, along with participation from 8i Ventures.

With one deal reported, Oolka operates as an independent firm without known subsidiaries or pivots. Oolka primarily offers AI-driven financial tools designed to enhance users' credit scores while fostering healthy credit behaviors. Their core products include an AI Credit Score tool that provides personalized insights into factors influencing credit scores, such as credit utilization and payment history. Additionally, the Oolka Credit Builder tool assists new users in establishing and improving their credit scores, aimed at reaching a score of 800 and above.

Users can manage their loan payments and credit card bills through the platform, earning cashback rewards as they make transactions. This innovative service caters to individuals looking to improve their financial standing, particularly in markets where access to traditional credit-building resources may be limited, including India and potentially other South Asian regions. Oolka’s integration with Bharat Bill Pay enhances its customer base to include a broader audience interested in seamless financial management. Oolka's revenue structure is primarily grounded in transactional fees and potential subscription models associated with its suite of services.

The company generates revenue as users engage with its credit tools, particularly when they utilize the platform for tracking and paying loan EMIs. Users can earn cashback rewards, which incentivizes regular engagement and payment practices through Oolka, creating a steady transaction flow. Although specific pricing details for products and services are not disclosed, the operational model implies a B2C structure where individuals benefit from direct interactions with the platform's features. Such a revenue approach aligns with the company's goal of promoting healthy credit habits while offering tangible rewards for consistent financial behavior.

Following the recent funding round closed on September 24, 2025, Oolka plans to utilize the USD 7. 000 mn raised to expand its engineering and product teams. The company aims to accelerate the launch of real-time credit improvement tools, enhancing its product offerings. Furthermore, Oolka is exploring expansion into other regions of South Asia to increase its market presence.