Olyv
Founder
Rohit Garg
Amit Chandel
Vinay Singh
Jayant Upadhyay
Sector
Financial Services
Region
India
Fund
SMBC ARF
A brief look at
The Olyv Journey
Olyv (formerly Smartcoin Financials) is a financial wellness consumer tech platform serving Emerging India, focused on responsible access to credit for thin-file and new-to-credit consumers. Founded in 2016, the company has evolved from digital lending into a data-driven financial ecosystem offering personal loans, credit health tools, insurance, and gold savings, powered by proprietary machine learning-based underwriting and strong risk discipline.
Olyv started as an app-based digital lending platform focused on democratizing credit access for India's underserved self-employed and salaried consumers. Today, the ISO-certified app has surpassed 50 million downloads, serving users across 19,000+ pin codes nationwide. With a fast growing profitable scale-up of its digital lending business, Olyv has established itself as a leading player in the space. Building on this strong foundation, Olyv is now expanding into adjacent financial products, moving toward its goal of becoming the leading full-stack digital financial platform for “Emerging India”.
Rohit Garg
Amit Chandel
Vinay Singh
Jayant Upadhyay
Founder
