# Oolka

**Canonical:** https://apis.io/providers/oolka/  
**Website:** https://oolka.in/  
**APIs profiled:** 0

Oolka is a Bangalore-based consumer fintech that helps people in India check, monitor, and improve their credit scores. Its mobile app provides free bureau-integrated credit-score checks (Experian), a Credit Builder for users with no prior credit history, EMI and bill payments with cashback via Bharat Bill Pay (the RBI-NPCI initiative), AI-guided insights on credit utilization and payment timing, and assistance disputing incorrect credit-report entries. Oolka operates as a co-branded financial-product partner working with banks and financial institutions. It is a consumer-facing mobile application and does not currently publish a public developer API or SDK surface.

## Kin Score — 10.6 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Oolka Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Credit Score, Credit Building, Consumer Finance, Personal Finance, India

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/oolka/). Scores are computed from the provider's own public artifacts under a published rubric.