Oxyzo, a leading fintech unicorn in India, reported an impressive financial performance for the fiscal year ended March 31, 2025 (FY25). The company recorded a 16.71% increase in consolidated net profit, reaching INR 339.15 crore, up from INR 290.57 crore in FY24. This substantial growth underscores the company’s robust operational strategy and expanding foothold in the SME lending space.
The Gurugram-based fintech also posted a 33.66% rise in revenue, with its topline reaching INR 1,207.44 crore, compared to INR 903.38 crore in the previous fiscal year. When including other income, Oxyzo’s total income stood at INR 1,210.87 crore, reflecting a 33.92% increase from INR 904.12 crore in FY24.
Founded in 2016 by Ashish Mohapatra, Bhuvan Gupta, Ruchi Kalra, and Vasant Sridhar, Oxyzo began as the lending arm of OfBusiness. The company has rapidly evolved into a full-fledged digital lending platform that empowers small and medium-sized enterprises (SMEs) with customized financial solutions. Its core offerings include loans for raw material procurement, machinery purchase, and working capital and supply chain financing.
Oxyzo’s performance in FY25 reflects not just financial discipline but also its ability to meet the growing demand for SME financing in India’s dynamic business ecosystem. As more small businesses digitize and expand, the demand for quick, collateral-free credit solutions continues to rise—a trend Oxyzo is well-positioned to capitalize on.
Key Financial Highlights (FY25):
- Net Profit: INR 339.15 Cr (↑ 16.71% YoY)
- Revenue from Operations: INR 1,207.44 Cr (↑ 33.66% YoY)
- Total Income (incl. other income): INR 1,210.87 Cr (↑ 33.92% YoY)
In addition to strong revenue growth, the company has maintained profitability—a feat not easily achieved in the high-burn fintech space. This has been attributed to efficient risk management, a tech-driven underwriting model, and a focused customer acquisition strategy.
Oxyzo’s commitment to leveraging data analytics and artificial intelligence has enabled it to streamline loan disbursements and reduce non-performing assets (NPAs). This operational efficiency, paired with strategic partnerships and a growing user base, has helped it scale sustainably.
With India’s SME sector contributing significantly to GDP and employment, fintech platforms like Oxyzo play a crucial role in supporting economic development. By offering accessible and scalable credit solutions, Oxyzo continues to bridge the financing gap for underserved businesses.
As the company looks ahead, expansion into new product lines and deeper penetration into Tier 2 and Tier 3 cities remain on the horizon. Oxyzo’s stellar FY25 results position it for continued growth in FY26 and beyond, strengthening its reputation as one of India’s most successful fintech disruptors
