Oxyzo Financial Services, the lending arm of the B2B commerce startup OfBusiness, has entered an agreement to take over GoldenPi, a platform that allows retail and high-net-worth investors to purchase bonds online. The deal is structured as a share swap and is valued at Rs 42.4 crore. Oxyzo, which was co-founded by Asish Mohapatra, Ruchi Kalra, and Bhuvan Gupta, has steadily grown into one of India’s notable fintech unicorns, having raised more than $264 million in funding so far.
GoldenPi was founded in 2017 by Abhijit Roy and Samir Baran Pratihar with a clear mission: to make bond investing accessible to everyday investors, not just large institutions. Before platforms like GoldenPi existed, fixed-income instruments such as bonds and debentures were largely out of reach for retail and HNI investors. Over the years, GoldenPi built a community of more than 16 lakh investors and has processed over Rs 6,000 crore worth of investments through its platform.
For Oxyzo, this acquisition is a strategic step into the wealthtech space. By combining its technology-first NBFC infrastructure with GoldenPi’s established investor network, the company aims to make fixed-income investing simpler and more transparent for a wider audience across India. Oxyzo’s operating revenue crossed Rs 1,047 crore in FY26, signalling the company’s strong financial footing ahead of this move.
The deal also reflects a broader shift in Indian fintech, where lending-focused platforms are increasingly looking to offer wealth and investment products to their existing user bases, creating more integrated financial services ecosystems.
With Oxyzo’s scale and digital lending experience, GoldenPi’s bond platform is likely to become more widely accessible. The combined entity is expected to push toward making fixed-income products a mainstream investment choice for India’s growing retail investor base, which has traditionally relied on equities or fixed deposits. If successful, this partnership could reshape how ordinary Indian investors approach debt instruments.
