
Who We Are
This, combined with our custom tailored loan products across term loans, working capital solution, low-interest rates, collateral-free credit options, and 48 hours loan processing timelines transforms Oxyzo into a leading lending option for SMEs in India.
Oxyzo is currently serving 5000+ SMEs across India and having an AUM of Rs 8,500+ crores
Our Vision
Our Mission
Our Values

Warrior Spirit

Unrivalled culture

Integrity

Industry Excellence

Customer Centricity
Our Milestones
- Crossed the AUM of ₹5,000 Cr2023
- Reached an AUM of 3000 CrsOnwards and Upwards to $1 Billion2022
- Series A of $ 200 millionMade it into the Unicorn Club
- Rating Upgrade to A+ from ICRA2021
- 3 notch Rating Movement - A (Stable) by CRISIL
- Series D1 and D2Equity raise of USD 100 M
- Credit Rating UpgradeFrom BBB to BBB+(Stable) by ICRA and CARE2020
Onboarded PSB lendersState Bank of India and BOI- Onboarded DFIRaised $5 MN from responsAbility2019
- The March to 1000Crossed 1000 Crore AUM
- We cross INR 500 Cr AUM5x our AUM within an Year
Listed on Debt Market segment of BSE- We are Operationally ProfitableCrossed 100 Crores AUM2018
Received NBFC LicenseRBI Registered2017- NBFC IncorporatedOur Journey Begins2016
Awards & Achievement

Oxyzo Co-Founder Ruchi Kalra Wins Women Entrepreneur Award at AWE 2026
Oxyzo Co-Founder Ruchi Kalra wins at AWE 2026 by Financial Express, recognising leadership in SME lending, supply-chain finance, and scaling industrial credit access across India.

Oxyzo Honored as New Unicorn of the Year-2022, at CII Unicorn Summit 2024
Thrilled to announce that Oxyzo has been recognized as a "New Unicorn of the Year- 2022" at the CII Unicorn Summit 2024! A huge thank you to our incredible team and supporters who made this possible.

Emerging Startup of 2022 in Alternative Lending
We are proud to be recognized as the Emerging Startup of 2022 by @Tracxn in the - Top Alternative Lending Startups category.
Press & Media

Oxyzo enters fund management, launches performing credit fund
Oxyzo Financial Services, the lending arm of OfBusiness, has launched Oxyzo Credit Fund I via Oxyzo Investment Manager. This performing credit alternative investment fund will focus on secured investments in mid-sized companies seeking growth capital, with an aim to scale and deliver consistent, predictable returns for stakeholders.

Fintech unicorn Oxyzo's Net profit up 26% in April-December
Revenue was up by 31 percent at Rs 810 crore but the loan book growth slowed to 14 percent against a CAGR of 68 percent during FY21-24

Oxyzo Financial Services Q2 operational revenue up 8%, net profit at Rs 82 crore
The loan book of the NBFC arm of OfBusiness climbed to Rs 6,850 crore by the end of the September quarter from Rs 6,600 crore at the end of the March quarter. Around 70% of the loan book of the Gurugram-based lending company is secured.









