Financial Services Support & Partner Disclosures

Last updated: 15 July 2026

This page provides support information and partner disclosures for financial services available through the Oolka mobile application and website.

Oolka is operated by Sixdis Technologies Private Limited and Oolka Financial Services Private Limited, as applicable.

Sixdis Technologies Private Limited owns the Oolka brand, mobile application, website, technology platform and related intellectual property. Oolka Financial Services Private Limited, a wholly owned subsidiary of Sixdis Technologies Private Limited, operates certain financial products marketplace services and manages partnerships with banks, NBFCs and other financial institutions.

For more details, please refer to our:

● Terms and Conditions
● Privacy Policy

1. “Services Available on Oolka”

Oolka is a digital financial services platform that enables its users to access various financial products and servies including:
a) Bill Payments through Bharat Bills Payment System (BBPS) and other authorized payment system;
b) Loan repayment and EMI management;
c) Credit score and insights on how to improve credit score;
d) Loan marketplace and application facilitation through lending partners;
e) Credit card discovery and application facilitation;
f) Rent on credit services;
g) Overdue settlement and collection support;
h) Other financial services introduced from time to time.

2. Important disclosure: Oolka is not a lender

Oolka is not a lender and does not provide loans in its own capacity.

Oolka does not:

● underwrite loans;
● approve or reject loan applications as a lender;
● determine interest rates, fees or loan pricing;
● execute loan agreements as lender;
● disburse loan amounts; or
● assume credit risk as a lender.

Loan products available through the Oolka platform are offered by the relevant regulated bank, NBFC, lending institution or lending partner, as applicable. Oolka’s role is limited to technology enablement, marketplace facilitation, referral, application assistance, user support and related services, depending on the specific product or service.

3. Difference between “Your Loans” and “Get a Loan”

The Oolka app has two different loan-related experiences.

App section	What it means	Does this mean Oolka distributed the loan?
Your Loans	This section displays loans already held by the user, based on credit bureau information, customer-consented data, bill-fetch data or other authorised data sources.	No. These are existing loans of the user and may not have been distributed, sourced or originated through Oolka.
Pay Now / EMI support	This allows users to view payment status, fetch EMI or bill details where available, and make payments through supported payment rails, including BBPS or authorised payment partners.	No. This is payment / loan management support and does not mean Oolka distributed the original loan.
Get a Loan	This section allows users to discover or apply for new loan products offered by Oolka’s lending partners.	Yes, this is the loan marketplace / application facilitation section. Partner disclosures for this section are provided below.

Lender names appearing under “Your Loans” are shown only because they relate to the user’s existing credit obligations. Their appearance does not mean that Oolka has distributed, originated or offered those loans.

4. Lending partners / loan marketplace partners

Oolka has commercial arrangements with the following loan marketplace partners for referral / marketplace / application facilitation services. The applicable regulated lender / lending partner and loan terms are disclosed to the user during the application journey before the user proceeds with the application.

a) L&T Finance:

Website: https://www.ltfinance.com/

Address: Brindavan, Plot no. 177, CST Road, Kalina, Santacruz East Mumbai-400098, Maharashtra, India

Grievance Redressal: https://www.ltfinance.com/grievance-redressal

Grievance Redressal Officer: Mr. Vinod Varadan

b) Fatak Pay

Website: https://www.fatakpay.com/

Address: Der Deutsche Parkz, Office number 23, 2nd floor, Subhash Nagar Rd, Near Nahur Station, Bhandup West, Mumbai, Maharashtra 400078

Grievance Redressal: https://www.fatakpay.com/redressal

Grievance Redressal Officer: Ms. Adv. Varsha Manoharan

c) Prefr

Website: https://prefr.com/

Address: Hitech City, Hyderabad, Telangana 500081

Grievance Redressal: https://prefr.com/privacy_policy#grievance_redressal

d) Volt:

Website: https://voltmoney.in/

Address: 2nd Floor, 1184 - HelloWorld Corporate Office, 5th Main Road, Sector 7, HSR Layout, Bengaluru, Karnataka 560102

Grievance Redressal Officer: Mr. Kapil Nagal

Loan approval, loan amount, tenure, fees, interest rate, repayment schedule and other loan terms are determined by the relevant lender / lending partner and are subject to the lender’s policies, eligibility criteria and applicable law.

Users should review the loan terms, lender disclosures, privacy policy and applicable product terms before applying for or accepting any loan product.

5. Credit card partners

Oolka may enable users to discover or apply for credit cards offered by banks, card issuers or authorised card distribution partners. Credit cards are issued solely by the respective issuing banks. Oolka facilitates customer discovery, application submission and related support services where applicable.

Oolka’s current credit card partners include:

a) IDFC First Bank:

Website: https://www.idfcfirst.bank.in/

Address:
Registered Address: KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai 600 031, Tamil Nadu.
Corporate Address: IDFC FIRST Bank Tower, (The Square), C-61, G Block, Bandra-Kurla Complex, Bandra (East), Mumbai - 400 051, Maharashtra.

Grievance Redressal Policy:https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/grievance-redressal/Grievance-Redressal.pdf

Principal Nodal Officer: Mr. Vipul Raj

b) Credilio

Website: https://www.novio.in/

Address: Classic Pentagon, 1001, Western Express Hwy, Parshiwada, Chakala, Andheri East, Parshiwada, Mumbai, Maharashtra 400099

Grievance Redressal Policy: https://www.novio.in/grievance-redressal

Grievance Redressal Officer: Ms. Shraddha Makwana

Credit card approval, credit limit, fees, charges and card terms are determined by the relevant issuing bank or partner.

6. Existing loan management, EMI support and BBPS payments

Oolka may help users manage their existing loans by displaying loan-related information obtained from authorised sources such as credit bureaus, customer-consented data sources, bill-fetch mechanisms or payment partners. Oolka acts only as a payment facilitation platform for repayment transactions and is not the lender for such loans.

Where supported, users may be able to fetch EMI / bill details and initiate payments through BBPS, payment partners or other authorised payment rails.

This service is provided only to help users manage existing obligations. It does not mean that Oolka distributed, originated or approved the original loan.

7. Overdue settlement and collection support

Oolka may assist users with overdue management, settlement assistance, repayment support, dispute resolution, credit record correction and related support services.

Where a user requests such services, Oolka may process and share relevant information with banks, NBFCs, credit institutions, collection partners, settlement partners, payment partners, credit bureaus and service providers, strictly for the purpose of delivering the user-requested service.

Oolka does not guarantee:

● settlement approval by a lender;
● waiver of dues;
● improvement in credit score;
● deletion of credit records;
● loan approval in the future; or
● any specific financial outcome.

Any settlement, waiver, restructuring or repayment arrangement is subject to the policies and approval of the relevant bank, NBFC or credit institution.

8. Privacy notices for financial services

Please refer to the following privacy policy sections for details on how Oolka collects, uses, stores and shares user information for financial services:

Where the above links do not directly open the relevant section, please refer to the sections titled Financial Services, Loan Services and Partner Data Sharing in our Privacy Policy.

9. Future financial products

Oolka may introduce additional financial products or services, including investment, insurance, mutual fund or wealth-related products, subject to applicable law, user consent, regulatory approvals / registrations where required, and product-specific terms.

References to future products are for informational purposes only. Unless a product is visible and available within the Oolka application, users should not assume that the product is currently offered. Products that are not live in the Oolka app should not be treated as currently available.

10. Customer support and grievance contact

For financial services support, privacy-related queries, grievance redressal or complaints, please contact:

Email: legal@oolka.in
Phone: +91 72047 12789
Support email: help@oolka.in
Grievance Officer: Jatin Mazalcar
Address: L2-106, WeWork, Vaishnavi Signature, Marathahalli-Sarjapur Outer Ring Road, Bellandur, Bangalore, Karnataka 560103

We will review and respond to grievances in accordance with applicable law.

11. Effective Date & Last Updated:

Effective Date: 15th July 2026

Last Updated: 15th July 2026

This Support Information and Partner Disclosure page is effective from the Effective Date set out above. We may update this page from time to time to reflect changes in our products, services, partnerships, legal or regulatory requirements, or business practices. Any updates will be reflected by revising the "Last Updated" date above. Unless otherwise stated, the revised version shall become effective on the date it is published on the Oolka website or mobile application.