KarmaLife — Digital Lending Partnerships & Profile
Onionlife Private Limited. Fintech LSP in India's digital lending ecosystem, with 5 tracked regulated lending partners.
Snapshot
Reading the data
In India's digital lending stack, KarmaLife operates as a fintech lending service provider (LSP). Our Market Map tracks 5 regulated lending partners for KarmaLife, including Niyogin Fintech, Trillionloans Fintech and Bhawana Capital. Product focus: salary advance/EWA and tenures of 3–12 months. Disclosed pricing spans 23.5%–23.5% — where an offer sits in that band tells you which borrower segment the book is really built on. The platform is VC Backed with roughly ₹60 Cr raised (last round 2023-06). Worth knowing: EWA platform for gig/blue-collar workers. Credit line valid 12-24 months. Fee structure varies by partner. Pre-Series A ~16 Cr + extension ~44 Cr = ~60 Cr total.
Products
Regulated lending partners
| RE / Lender partner | DLA / App | Available on |
|---|---|---|
| Niyogin Fintech | KARMALIFE | Website |
| Trillionloans Fintech | KarmaLife | Google Play Store |
| Bhawana Capital | KarmaLife | Google Play |
| Niyogin Fintech | Karmalife | ?Website |
| Avanti Finance | Karmalife | EWA | Karmalife | EWA (Android) |
Frequently asked questions
Who are KarmaLife's digital lending partners?
KarmaLife has 5 regulated lending partners (REs) tracked in the RBI digital lending registry, including Niyogin Fintech, Trillionloans Fintech, Bhawana Capital, Avanti Finance.
What products does KarmaLife offer through digital lending?
KarmaLife is active in salary advance/EWA.
How do I evaluate KarmaLife as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether KarmaLife fits your model, and compare alternatives on the Market Map.
Does KarmaLife fit your lending model?
Answer three questions and see which partners match your product, rate band, and ticket size — KarmaLife included.
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Primary source type: App/Secondary. Data confidence: High. Batch F2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.