Oxyzo

Call Directions Website Contact the business

Oxyzo Aiming to transform small and medium enterprises into large, Oxyzo offers credit solutions that are customized to help SMEs grow their businesses.

Secured or unsecured financing? For an MSME, 5 factors can influence how the financing is structured.Requirement size, a...
28/09/2026

Secured or unsecured financing? For an MSME, 5 factors can influence how the financing is structured.

Requirement size, available security, business profile, and total borrowing cost can all affect whether financing is structured as secured or unsecured.

Swipe through to understand the 5 factors that can influence the type of financing.

23/09/2026

At OfBusiness group, a strong workplace culture is also about giving people opportunities to connect beyond everyday work.๐ŸŽฏ

422 employees across our 10 offices in India took part in Khelo OfBusiness Style 2.0, competing in Carrom, Ludo, Foosball, and Table Tennis.

Congratulations to all the winners๐Ÿ†, and a big shoutout to everyone who participated and made Khelo 2.0 such a memorable tournament across our offices. ๐Ÿ‘

๐Œ๐’๐Œ๐„ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ข๐ง ๐ˆ๐ง๐๐ข๐š ๐ก๐š๐ฌ ๐ ๐ซ๐จ๐ฐ๐ง ๐Ÿ๐ซ๐จ๐ฆ ๐š๐ซ๐จ๐ฎ๐ง๐ โ‚น๐Ÿ๐ŸŽ ๐ฅ๐š๐ค๐ก ๐œ๐ซ๐จ๐ซ๐ž ๐ข๐ง ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ’ ๐ญ๐จ ๐ง๐ž๐š๐ซ๐ฅ๐ฒ โ‚น๐Ÿ‘๐Ÿ– ๐ฅ๐š๐ค๐ก ๐œ๐ซ๐จ๐ซ๐ž ๐ญ๐จ๐๐š๐ฒ.The increase reflects a...
22/09/2026

๐Œ๐’๐Œ๐„ ๐œ๐ซ๐ž๐๐ข๐ญ ๐ข๐ง ๐ˆ๐ง๐๐ข๐š ๐ก๐š๐ฌ ๐ ๐ซ๐จ๐ฐ๐ง ๐Ÿ๐ซ๐จ๐ฆ ๐š๐ซ๐จ๐ฎ๐ง๐ โ‚น๐Ÿ๐ŸŽ ๐ฅ๐š๐ค๐ก ๐œ๐ซ๐จ๐ซ๐ž ๐ข๐ง ๐Ÿ๐ŸŽ๐Ÿ๐Ÿ’ ๐ญ๐จ ๐ง๐ž๐š๐ซ๐ฅ๐ฒ โ‚น๐Ÿ‘๐Ÿ– ๐ฅ๐š๐ค๐ก ๐œ๐ซ๐จ๐ซ๐ž ๐ญ๐จ๐๐š๐ฒ.

The increase reflects a broader shift in how small businesses access formal finance. Two factors highlighted in the recent MSME policy discussion stand out:

โ€ข ๐‚๐ซ๐ž๐๐ข๐ญ ๐ ๐ฎ๐š๐ซ๐š๐ง๐ญ๐ž๐ž ๐ฉ๐ซ๐จ๐ ๐ซ๐š๐ฆ๐ฆ๐ž๐ฌ ๐ก๐š๐ฏ๐ž ๐ž๐ฑ๐ฉ๐š๐ง๐๐ž๐, giving lenders greater comfort in financing eligible MSMEs.

โ€ข ๐Œ๐จ๐ซ๐ž ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ๐ž๐ฌ ๐ก๐š๐ฏ๐ž ๐ž๐ง๐ญ๐ž๐ซ๐ž๐ ๐ญ๐ก๐ž ๐Ÿ๐จ๐ซ๐ฆ๐š๐ฅ ๐ž๐œ๐จ๐ฌ๐ฒ๐ฌ๐ญ๐ž๐ฆ, making it easier for them to access institutional credit and government-backed schemes.

The number of enterprises in the formal MSME ecosystem has also risen sharply, from about ๐Ÿ.๐Ÿ”๐Ÿ“ ๐œ๐ซ๐จ๐ซ๐ž a few years ago to around ๐Ÿ—.๐Ÿ ๐œ๐ซ๐จ๐ซ๐ž.

For MSMEs, this means formal credit is reaching a much larger part of the sector than it did a decade ago, with more financing routes available as businesses grow and become part of the organised economy.

20/09/2026

๐“๐ก๐ž ๐ง๐ž๐ฑ๐ญ ๐œ๐ก๐š๐ฉ๐ญ๐ž๐ซ ๐Ÿ๐จ๐ซ ๐Ž๐ฑ๐ฒ๐ณ๐จ ๐ข๐ฌ ๐š๐›๐จ๐ฎ๐ญ ๐ ๐ซ๐จ๐ฐ๐ข๐ง๐  ๐š๐ฅ๐จ๐ง๐ ๐ฌ๐ข๐๐ž ๐ญ๐ก๐ž ๐’๐Œ๐„๐ฌ ๐ฐ๐ž ๐ฌ๐ž๐ซ๐ฏ๐ž.

In this conversation, Ruchi Kalra, Co-Founder, Oxyzo, shares the vision for the next decade, which is to be an integral part of the SME journey as their needs evolve, from different forms of working capital to machinery and beyond.

As a business grows from small to medium, its aspirations and financing needs change too. Oxyzo's focus is to grow alongside its clients and keep introducing products that support them at each stage.

18/09/2026

๐๐š๐ฅ๐š๐ง๐œ๐ข๐ง๐  ๐ ๐ซ๐จ๐ฐ๐ญ๐ก ๐ฐ๐ข๐ญ๐ก ๐ฉ๐ซ๐จ๐Ÿ๐ข๐ญ๐š๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐ข๐ฌ ๐š ๐ค๐ž๐ฒ ๐ฉ๐š๐ซ๐ญ ๐จ๐Ÿ ๐Ž๐ฑ๐ฒ๐ณ๐จ'๐ฌ ๐š๐ฉ๐ฉ๐ซ๐จ๐š๐œ๐ก ๐ญ๐จ ๐›๐ฎ๐ข๐ฅ๐๐ข๐ง๐  ๐š ๐ฅ๐ž๐ง๐๐ข๐ง๐  ๐›๐ฎ๐ฌ๐ข๐ง๐ž๐ฌ๐ฌ.

In this conversation, Ruchi Kalra, Co-Founder, Oxyzo, explains how the company looks at the segments it operates in, the risks it is willing to take, and the investments it makes for future returns.

For Oxyzo, this approach has meant building its lending business with a focus on both growth and sustainable returns, while expanding its offering to meet the financing needs of SMEs.

In 2026, Oxyzo has crossed โ‚น11,000 Cr in AUM, marking the scale the platform has built over the years.

๐–๐ข๐ฌ๐ก๐ข๐ง๐  ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐š ๐ฏ๐ž๐ซ๐ฒ ๐‡๐š๐ฉ๐ฉ๐ฒ ๐•๐ข๐ฌ๐ก๐ฐ๐š๐ค๐š๐ซ๐ฆ๐š ๐๐ฎ๐ฃ๐š!Today, we celebrate the skills and craftsmanship of the people, tools, ma...
17/09/2026

๐–๐ข๐ฌ๐ก๐ข๐ง๐  ๐ž๐ฏ๐ž๐ซ๐ฒ๐จ๐ง๐ž ๐š ๐ฏ๐ž๐ซ๐ฒ ๐‡๐š๐ฉ๐ฉ๐ฒ ๐•๐ข๐ฌ๐ก๐ฐ๐š๐ค๐š๐ซ๐ฆ๐š ๐๐ฎ๐ฃ๐š!

Today, we celebrate the skills and craftsmanship of the people, tools, machinery and workspaces that make skilled work possible.

๐†๐จ๐จ๐ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ข๐ฌ ๐จ๐Ÿ๐ญ๐ž๐ง ๐ข๐ง๐ฏ๐ข๐ฌ๐ข๐›๐ฅ๐ž ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ฐ๐ก๐ž๐ง ๐ข๐ญ ๐ข๐ฌ ๐๐จ๐ง๐ž ๐ฐ๐ž๐ฅ๐ฅ, ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐ฌ๐ข๐ฆ๐ฉ๐ฅ๐ฒ ๐ฐ๐จ๐ซ๐ค.At OfBusiness Group, engineering an...
15/09/2026

๐†๐จ๐จ๐ ๐ž๐ง๐ ๐ข๐ง๐ž๐ž๐ซ๐ข๐ง๐  ๐ข๐ฌ ๐จ๐Ÿ๐ญ๐ž๐ง ๐ข๐ง๐ฏ๐ข๐ฌ๐ข๐›๐ฅ๐ž ๐›๐ž๐œ๐š๐ฎ๐ฌ๐ž ๐ฐ๐ก๐ž๐ง ๐ข๐ญ ๐ข๐ฌ ๐๐จ๐ง๐ž ๐ฐ๐ž๐ฅ๐ฅ, ๐ญ๐ก๐ข๐ง๐ ๐ฌ ๐ฌ๐ข๐ฆ๐ฉ๐ฅ๐ฒ ๐ฐ๐จ๐ซ๐ค.

At OfBusiness Group, engineering and technology make it possible for us to grow with SMEs across procurement, finance, and business opportunities at the scale we do today.

Happy Engineersโ€™ Day!

๐Œ๐š๐ฒ ๐‹๐จ๐ซ๐ ๐†๐š๐ง๐ž๐ฌ๐ก๐š, ๐ซ๐ž๐ฏ๐ž๐ซ๐ž๐ ๐š๐ฌ ๐•๐ข๐ ๐ก๐ง๐š๐ก๐š๐ซ๐ญ๐š ๐š๐ง๐ ๐’๐ฎ๐ค๐ก๐ค๐š๐ซ๐ญ๐š, ๐œ๐ฅ๐ž๐š๐ซ ๐ญ๐ก๐ž ๐จ๐›๐ฌ๐ญ๐š๐œ๐ฅ๐ž๐ฌ ๐š๐ก๐ž๐š๐ ๐š๐ง๐ ๐›๐ซ๐ข๐ง๐  ๐ก๐š๐ฉ๐ฉ๐ข๐ง๐ž๐ฌ๐ฌ ๐ญ๐จ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐ง๐ž๐ฐ ๐›๐ž๐ ๐ข๐ง...
14/09/2026

๐Œ๐š๐ฒ ๐‹๐จ๐ซ๐ ๐†๐š๐ง๐ž๐ฌ๐ก๐š, ๐ซ๐ž๐ฏ๐ž๐ซ๐ž๐ ๐š๐ฌ ๐•๐ข๐ ๐ก๐ง๐š๐ก๐š๐ซ๐ญ๐š ๐š๐ง๐ ๐’๐ฎ๐ค๐ก๐ค๐š๐ซ๐ญ๐š, ๐œ๐ฅ๐ž๐š๐ซ ๐ญ๐ก๐ž ๐จ๐›๐ฌ๐ญ๐š๐œ๐ฅ๐ž๐ฌ ๐š๐ก๐ž๐š๐ ๐š๐ง๐ ๐›๐ซ๐ข๐ง๐  ๐ก๐š๐ฉ๐ฉ๐ข๐ง๐ž๐ฌ๐ฌ ๐ญ๐จ ๐ž๐ฏ๐ž๐ซ๐ฒ ๐ง๐ž๐ฐ ๐›๐ž๐ ๐ข๐ง๐ง๐ข๐ง๐ .

๏ปฟThis Ganesh Chaturthi, we wish businesses, teams and families steady progress, strong beginnings and success in everything they set out to build.

๐†๐š๐ง๐ฉ๐š๐ญ๐ข ๐๐š๐ฉ๐ฉ๐š ๐Œ๐จ๐ซ๐ฒ๐š!

๐„๐‚๐‹๐†๐’ ๐Ÿ“.๐ŸŽ ๐„๐ฑ๐ญ๐ž๐ง๐๐ฌ ๐€๐๐๐ข๐ญ๐ข๐จ๐ง๐š๐ฅ ๐–๐จ๐ซ๐ค๐ข๐ง๐  ๐‚๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ ๐ญ๐จ ๐„๐ฅ๐ข๐ ๐ข๐›๐ฅ๐ž ๐Œ๐’๐Œ๐„๐ฌThe Emergency Credit Line Guarantee Scheme 5.0 all...
11/09/2026

๐„๐‚๐‹๐†๐’ ๐Ÿ“.๐ŸŽ ๐„๐ฑ๐ญ๐ž๐ง๐๐ฌ ๐€๐๐๐ข๐ญ๐ข๐จ๐ง๐š๐ฅ ๐–๐จ๐ซ๐ค๐ข๐ง๐  ๐‚๐š๐ฉ๐ข๐ญ๐š๐ฅ ๐’๐ฎ๐ฉ๐ฉ๐จ๐ซ๐ญ ๐ญ๐จ ๐„๐ฅ๐ข๐ ๐ข๐›๐ฅ๐ž ๐Œ๐’๐Œ๐„๐ฌ

The Emergency Credit Line Guarantee Scheme 5.0 allows eligible MSMEs to access additional working capital through participating banks, NBFCs, and other lending institutions.

๐Š๐ž๐ฒ ๐ฉ๐ซ๐จ๐ฏ๐ข๐ฌ๐ข๐จ๐ง๐ฌ ๐ข๐ง๐œ๐ฅ๐ฎ๐๐ž:

โ–ช๏ธAdditional credit of up to 20% of peak fund-based working capital outstanding during Q4 FY26

โ–ช๏ธA maximum additional loan amount of โ‚น100 crore per borrower

โ–ช๏ธ100% guarantee cover for participating lenders, including NBFCs, on the eligible amount in default

โ–ช๏ธA 5-year loan tenure, including a 1-year moratorium

โ–ช๏ธNil guarantee fee under the scheme

For MSMEs, this provides an additional formal route to access working capital. For participating NBFCs and other lenders, the government-backed guarantee reduces the credit risk on eligible facilities.

As mentioned under Reserve Bank of India (Non-Banking Financial Companies โ€“ Prudential Norms on Capital Adequacy) Directions, 2025 dated November 28, 2025, as amended from time to time, NBFCs are required for the Exposures guaranteed under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0 shall attract risk weight of zero percent to the extent of 75% of the guaranteed portion, i.e., to the extent of guaranteed portion wherein the settlement amount is expected to be received within thirty days from the date of invocation. The remaining exposure shall attract risk weight as per the extant guidelines.

The scheme remains open for eligible loans sanctioned up to 31 March 2027, or until the notified guarantee limit is reached, whichever comes first.

Source: Ministry of Finance / PIB / NCGTC

Weโ€™re delighted to announce the inauguration of our new Hyderabad office!The new office further strengthens the OfBusine...
10/09/2026

Weโ€™re delighted to announce the inauguration of our new Hyderabad office!

The new office further strengthens the OfBusiness Groupโ€™s growing presence across India and international markets.

We extend our best wishes to the Hyderabad team as they begin this new chapter and look forward to celebrating many more milestones and successes together.

Address

1st Floor, Tower-A, Global Business Park, Mehrauli-Gurgaon Road, Sector 26
Gurugram
122001

Opening Hours

Monday 9:30am - 6:30pm
Tuesday 9:30am - 6:30pm
Wednesday 9:30am - 6:30pm
Thursday 9:30am - 6:30pm
Friday 9:30am - 6:30pm
Saturday 9:30am - 6:30pm

Telephone

+917353013499

Website

Alerts

Be the first to know and let us send you an email when Oxyzo posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Oxyzo:

Shortcuts

Share

Category