Key
Highlights:
- Oxyzo Financial Services Limited was founded in 2016 and focuses on lending to SMEs and mid-sized businesses.
- The entity has a strong board and governance with presence of both the promoters and three independent directors.
- As of FY2025, its Assets Under Management (AUM) reached ₹8,341.72 crore, with revenue of ₹1,129.18 crore.
- The company has strong asset quality with gross NPA around 0.43% and collection efficiency of ~99.9%.
Overview:
Oxyzo Finance is a Gurgaon-based NBFC, which commenced lending operations in November 2017. Oxyzo initially started its journey by providing secured and unsecured purchase finance loans to small and medium enterprises (SMEs) for financing the purchase of raw materials, the company is now into providing secured and unsecured long-term financing to SMEs as well. The company is a subsidiary of OFB Tech Pvt Ltd and operates as a branch-based hub and spoke model with presence across 70+ industrial clusters in 20+ states.
Key Management
Ruchi Kalra (Chief Executive Officer)
Ms. Ruchi Kalra leads the entire efforts towards finance control, Accounts and audit, Compliance – Legal and Secretarial and capital management for optimal utilization. Ruchi has worked with numerous Banks and NBFCs on turnaround projects in the past as she led the Retail and SME banking service practice for Mckinsey in India.
Ruchi holds an MBA from Indian School of Business, Hyderabad and a B-Tech in Chemical Engineering from Indian Institute of Technology, Delhi (2004).
Mr. Vasant Sridhar (Director)
Vasant led the company’s entry into the manufacturing vertical. He heads the Sales function in Southern India where he built the entire business and established a strong customer base across SME clusters. Prior to OXYZO, he headed the Business Excellence Function at ITC Limited – Agri Business Division (ILTD). A certified Lean Six Sigma Black Belt, he drove the deployment of advanced analytics and process excellence across multiple functions, mentoring 200+ managers. As a special assignment from the Chief Executive’s Office, he developed the complete strategy blueprint for backward integration for launching ITC’s Dairy Business.
Vasant holds a bachelor’s in chemical engineering from IIT Madras (2013).
Key Financials- FY25:
All figures in INR crore
Particular |
Amount |
AUM |
8341.72 |
Cash & Bank Balances |
463 |
Borrowings |
6027.52 |
Total Assets |
9211.70 |
Revenue |
1129.18 |
Profit After Tax |
328.57 |
PAT Margin |
29.10 |
Total Net worth |
2923.22 |
Return on Equity |
11.92 % |
NNPA |
0.43 % |
CRAR |
33.50 % |
Lenders:
The prominent lenders in Oxyzo Financial services Limited include:
Banks/
NBFCs:
· Bank of India Limited
· Canara Bank
· IDBI Bank
· State Bank of India
· Bajaj Finance Limited
· Hinduja Leyland Finance Limited
Equity:
· OFB Tech
· Alpha Wave Ventures
· Internet Fund
· Norwest Venture Partners
· Creations Investments
· Matrix Partners
Explore corporate bonds below for Oxyzo Financial services Limited
| Instrument Name | ISIN Id | Credit Rating | Min. Investment | Nature of security | YTM | Tenure |
| (in Months) | ||||||
| Oxyzo Financial | INE04VS07388 | ICRA "A+" | ₹ 90,464 | Listed (Senior Secured) | 10.00% | 19 |
Above mentioned corporate bond details are as of Date: 20.08.2025.
Disclaimer:
Investments in debt securities/municipal debt securities/securitized debt instruments are subject to risks including delay and/or default in payment. Read all the offer-related documents carefully.