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🚀 India’s 1st AI Credit Score LevelUp App - Built for Everyone
Confused by your credit score? Struggling with EMIs?
Oolka is your AI-powered credit partner - here to help you track, improve, and grow your credit score with confidence.

This isn’t just another dashboard. Oolka gives personalised, proactive insights tailored to your credit behaviour. It’s like talking to an expert, not toggling between tabs.

🔹 📊 Smarter Credit Score Tracking
✅ Check your credit score - anytime, for free
✅ Get personalised tips to improve and track your credit score
✅ Weekly AI powered insights to move closer to 800+ credit score

🔹 💳 Effortless EMI Management
✅ See all your loans & due dates in one place
✅ Get smart reminders before your EMI is due
✅ Avoid late fees & protect your credit score

🔹 💸 Instant, Secure Payments
✅ Pay EMIs across multiple lenders - from one app
✅ Oolka (by Sixdis Technologies Private Limited) facilitates bill payments through BBPS via our partnership with a BBPOU authorised by NPCI.
✅ Real-time confirmations & robust data protection

🔹 🎁 Rewards for Good Credit Behaviour
✅ You Pay on time → You earn cashback
✅ Your credit score increases → You earn cashback
✅ Build long-term credit strength, step by step

🔹 🔎 AI That Thinks Ahead for You
✅ AI-powered insights on what’s helping or hurting your credit score
✅ Get alerts before credit utilisation or EMI issues arise using our AI powered Credit Score App
✅ Take control before mistakes happen

✨ Oolka is more than a credit score app.
It’s your always-on, AI expert to credit wellness.
Whether you’re new to credit or aiming for improve credit scores, Oolka helps you LevelUp confidently, securely, and on your terms.

Secure. Rewarding. Built for India.

→ Our partner NBFCs

InCred Financial Services Limited (Formerly "KKR India Financial Services Limited")


→ Our partner Credit Card Issuer Banks
IDFC First Bank
Yes Bank
AU Small Finance Bank


→ What we offer for Loans
Min & Max Repayment Period - 3 months to 36 months
APR - 14% to 36%


→ What we offer for Credit Cards
Apply for Secured Cards issued by partners
Apply for Unsecured Cards issued by partners


→ Privacy Policy
https://oolka.in/privacy-policy


→ Sample Personal Loan Calculation
Let's say you borrow ₹6,30,000 for 36 months, then your:
Processing fee (2% of loan amount + 18 % GST) cost to: ₹ 14,868
Interest rate: 14.5% p.a. (on reducing principal balance interest calculation)
Your EMI will be: ₹ 21,685
Total amount to be paid: ₹ 21,685 x 36 = ₹ 7,80,668
Total interest paid: ₹ 1,50,668
Total cost of loan: ₹ 1,50,668 + ₹ 14,868 = ₹ 1,65,536
APR (Annual Percentage Rate): 17.45%


→ Eligibility for Personal Loan
Age: 21-55 years
Minimum in-hand monthly salary requirement: ₹25000 and above
Should be a resident of India


→ Eligibility for Credit Cards
Age - 21 to 65 years
Should be a resident of India
Minimum in-hand monthly salary requirement: ₹25000 and above


→ Oolka supports these loan EMI payments
We support loans disbursed by Krazybee Services Private Limited, Bajaj Finance Limited, Snapmint Financial Services Pvt Ltd, Navi Finserv Limited, Muthoot Finance Limited, Speel Finance Company Pvt Ltd, DMI Finance Private Limited, Shriram Finance Limited, Tata Capital Ltd, etc.
We support all loans payable via the Bharat Connect ecosystem.


Reach out to us:
✉️ [email protected] | ☎️ 011-40846061