Oolka

Oolka is India’s first AI-powered credit management partner — built to help every Indian track, improve, and protect their credit health with confidence.

With personalised AI insights, proactive alerts, and 24×7 access to our AI CIBIL Expert, Oolka goes beyond showing your score — it guides you step-by-step toward 800+. From decoding complex bank emails to predicting risks before they affect your score, Oolka keeps you in control.

Our platform enables you to:

Track your credit score anytime, for free

Access an AI Expert 24x7 for all your financial queries and tasks

Manage loans and EMIs in one place with NPCI/BBPS-secured payments

Earn rewards for building healthy credit habits

We believe good credit behaviour should be celebrated. That’s why Oolka turns smart financial decisions into tangible benefits - making credit management smarter, safer, and more rewarding for all.