Oolka: Credit Score LevelUp

Oolka

About this app

Struggling to keep track of your EMIs? Oolka makes it easy to manage, pay, and track your loans—all in one place! Plus, with timely payments, you can maintain a healthy credit score and even earn cashback. 🚀 With a healthy credit score you can apply for personal loans from trusted partners on Oolka.

🔹 Oolka - Smart Loan Management
✅ One-stop loan management – View all your loans & EMIs in one place.
✅ Seamless EMI payments – No need to visit multiple apps to pay your EMIs.
✅ Cashback on EMI payments – Pay on time & earn real rewards! 💰
✅ Boost your credit score – On-time EMI payments keep your credit score strong.
✅ Safe & secure transactions – Powered by NPCI / BBPS for 100% secure payments.
✅ Trusted Partners: On Oolka you can apply for personal loans from top trusted lending partners at low interest rates

💳 How Oolka Helps You Stay on Top of Your Finances
1️⃣ Track all your loans – See EMI details, due dates & payment history at a glance.
2️⃣ Get timely reminders – Avoid late fees & credit score dips with smart alerts.
3️⃣ Pay EMIs instantly – Securely pay all EMIs from one place—no more app-hopping.
4️⃣ Earn cashback – Get rewarded for responsible financial habits!
5️⃣ Build a strong credit profile – Regular, on-time payments help you maintain & grow your credit score.

🔐 100% Safe & Secure EMI Payments
Oolka is built on NPCI / BBPS-backed infrastructure, ensuring fast, secure, and reliable transactions.

Data Privacy & Security

We follow the highest security standards to protect your data, ensuring your personal and financial information stays safe.

🔒 Robust Security: We use industry-leading protocols to safeguard your data from unauthorized access and cyber threats.
📊 Data Encryption: All data transmitted through Oolka is encrypted, keeping your information confidential and secure.
☁️ Secure Storage: Your data is stored on secure servers with strict access controls, ensuring only authorized personnel can access it.
🤝 Trusted Protocols: Our payment systems are integrated with Bharat Bill Pay (BBPS)—an RBI-NPCI initiative.


📈 Better Loan Management = A Healthier Credit Score!

Download Oolka today & take control of your EMIs, credit score & rewards!


→ Our partner NBFCs
L&T Finance Limited (formerly known as L&T Finance Holdings Limited)
Volt Money (Salter Technologies Private Limited)
RNVP Technology Private Limited
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:
✉️ [e-mail] | ☎️ 011-40846061