Oxyzo’s Financials, Revenue, Profit, Valuation & Shareholding Overview (2025)

Oxyzo, co-founded by Ruchi Kalra, Asish Mohapatra, and Bhuvan Gupta, is a fast-growing fintech company revolutionizing SME financing in India. Originally incubated by OfBusiness, Oxyzo has established itself as an independent entity, offering innovative credit solutions tailored to the needs of small and medium businesses. With a focus on data-driven lending and operational efficiency, Oxyzo has rapidly scaled its loan book while maintaining strong profitability. The company leverages advanced risk analytics, seamless digital platforms, and deep market expertise to serve sectors like manufacturing, infrastructure, and supply chain financing. Oxyzo's strategic vision emphasizes expanding its product offerings, building a resilient balance sheet, and creating a scalable foundation for future growth. Supported by marquee investors and a robust leadership team, Oxyzo is poised to transform India’s business lending landscape and drive financial inclusion for underserved enterprises.

Oxyzo’s revenue has surged from ~$45 million in FY22 to ~$95 million in FY23, with projections reaching ~$135 million in FY24. The growth underscores strong market adoption of its SME financing solutions. Profitability has been maintained, reflecting disciplined credit practices and technology-driven operational efficiency.

Margins have remained strong as Oxyzo leverages data-driven underwriting and low-cost operational models. Continued focus on tech-driven risk assessment and lean operations supports high net margins compared to traditional lenders.

Oxyzo’s team expanded from ~400 employees in FY22 to ~500 in FY23, with further growth anticipated in FY24 to support new product development and expansion into additional SME sectors.

• Broaden financing to new SME sectors beyond manufacturing and infrastructure.
• Develop new fintech products and credit lines tailored to mid-market businesses.
• Enhance digital platforms and data analytics for superior underwriting.
• IPO plans under consideration in the next 2–3 years.

Oxyzo recently surpassed $600 million in assets under management and was recognized among India's top fintech lenders. The company continues to scale its loan book aggressively while maintaining profitability and exploring future public market opportunities.

Oxyzo’s strong revenue growth, profitability, and technological edge make it one of the most promising fintech lenders in India. Its focus on SME financing and disciplined operational approach provide a solid foundation for long-term success. Make smarter business decisions with verified insights on companies and directors. Visit Affluense.ai to learn more.

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