Olyv funding, investors and company details

Olyv is an emerging Financial Services - Fintech - Lending startup from Bengaluru, working in the space of An AI-powered digital financial platform in India, formerly SmartCoin, delivering instant personal loans up to ₹5 lakh to salaried, self-employed, blue/grey-collar workers, and underbanked us. Founded by Vinay Singh, Amit Chandel, Rohit Garg, Jayant Upadhyay.

Company: Smartcoin Financials Private Limited
Sector: Financial Services - Fintech - Lending
Location: Bengaluru
Founders: Vinay Singh, Amit Chandel, Rohit Garg, Jayant Upadhyay

Company overview

Olyv operates as an AI-powered digital financial platform in India, formerly SmartCoin, delivering instant personal loans up to ₹5 lakh to salaried, self-employed, blue/grey-collar workers, and underbanked users via a fully automated app. Core activities encompass underwriting with ML models, risk-based pricing, in-house collections, and disbursements through an asset-light co-lending model with financial institutions. It provides micro-savings via digital gold, credit health management, insurance products, and real-time financial tools to boost retention across 26 lakh monthly active users, mainly in tier-2+ cities. Strategic partnerships drive organic scaling while blogs educate on loans and risk frameworks.

Funding rounds

Latest round (Series C): $ 23.00 Mn (₹208.77 Cr.), 2026-02-11. Investors: The Fundamentum Partnership Fund, SMBC Asia Rising Fund