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Funding · 6 October 2026Oolka$45MAI credit management appoolka.in ↗

Oolka in talks to raise $45 million

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FundingFinancial ServicesBengaluruFounded 2024
  • Oolka is an AI app that helps people check, manage and improve credit scores, loans and EMIs
  • It is close to a $45 million round, with Bessemer likely leading and Prosus adding around $10 million
  • Talks reportedly value it near $200 million, over double its April 2026 valuation, and it is its second raise in six months

What happened

  • Oolka is in advanced talks for about $45 million.
  • Bessemer may put in about $20 million, Prosus about $10 million.
  • Existing backers supply the remaining $15 million.
  • Valuation may reach about $200 million.

Why it matters

  • The valuation would more than double in about six months.
  • Agentic AI is being tried in consumer credit.

The business

  • Positions itself as an agentic AI credit management platform.
  • Helps users track credit scores, loans and EMIs.
  • Acts on a user's credit report to lift the score.

The founders

UK

Utkrishta Kumar

Founder
in
  • Former chief experience officer at Meesho

Who put in money

In numbers

$90MValuation in April 2026

What happens next

  • Round to close

Words to know

EMI
equated monthly instalment, the fixed monthly loan payment

Read it as a card in the app

Terms in this story

  • Valuation: A startup's valuation is the price investors agree the whole company is worth. For young companies it is set by negotiation and comparison, not by a formula.

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