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Ruchi Kalra Biography: Age, Career, Family and More

F4U Editorial Desk • Updated October 1, 2026 • 6 min read

Quick Info

Age39 Years (as of 2022)

ProfessionEntrepreneur

NationalityIndian

Marital statusMarried

SpouseAsish Mohapatra

FamilyDaughter - Khushi

Ruchi Kalra Biography

Ruchi Kalra is an Indian entrepreneur best known as a co-founder and finance lead of OfBusiness and Oxyzo, two startups that reached unicorn status. An IIT

Early life and background

Ruchi Kalra grew up in Delhi and completed her schooling at General Raj's School. She earned a BTech in Chemical Engineering from the Indian Institute of Technology, Delhi in 2004 and later completed an MBA at the Indian School of Business, Hyderabad in 2007.

Career

After finishing her engineering degree, Kalra began her professional journey as a senior business analyst at Evalueserve. She then joined McKinsey through campus placement and spent nearly nine years at the firm as a consultant focused on financial services, eventually becoming a partner.

In 2016 she left McKinsey to pursue entrepreneurship alongside her husband and other co-founders. The group launched OfBusiness, a B2B platform aimed at serving small and medium enterprises by providing secured and unsecured credit through a single-window offering. Kalra served as a co-founder and chief financial officer at OfBusiness, overseeing finance and related functions as the company scaled.

An offshoot of that venture, Oxyzo, was co-founded by Kalra with her husband and three colleagues in 2017. The company focuses on purchase financing and cash-flow-based lending for SMEs, leveraging technology and data to underwrite working-capital needs. Kalra is listed as co-founder, CFO, and whole-time director at Oxyzo, with responsibilities that include finance control, accounts and audit, legal and secretarial compliance, and capital management.

Under her financial leadership, Oxyzo raised $200 million in its first fundraising round led by several large investors. That Series A round was reported as the largest Series A for an Indian startup and helped Oxyzo attain unicorn status in 2022. OfBusiness also reached unicorn valuation following backing from a major multinational investor.

Public profile

Kalra has been recognized within industry circles for her role in building fintech and B2B businesses. She was named a contender for a BW Disrupt 40 Under 40 list in 2017. She has represented her company as a speaker at industry events, including a round-table conference hosted by Unifi Alternative Finance in 2019, where fintech firms presented on business models, technology, and risk practices.

Her professional trajectory—from management consulting to co-founding two billion-dollar startups—has led observers and investors to highlight her as among the first women founders in India to helm profitable fintech businesses that reached unicorn valuations.

Personal life

Ruchi Kalra is married to Asish Mohapatra. The couple have a daughter named Khushi. In interviews she has spoken about the influence of her husband, describing him as a professional coach and a leader who supports her career decisions.

Views and approach

Kalra has described her motivation for entering the SME and manufacturing space as rooted in the observation that small and medium enterprises were underserved. She has emphasized perseverance as a key to sustained effort and eventual success, characterizing it as persistence and tenacity in the face of difficulty.

Latest updates

By 2022, both OfBusiness and Oxyzo had achieved unicorn status. Oxyzo’s large Series A fundraising and OfBusiness’s backing by a major international investor were notable milestones in Kalra’s entrepreneurial career.
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Recent Work

Oxyzo

Co-founder, CFO and whole-time director of a fintech firm providing purchase financing and cash-flow loans to SMEs; led a $200 million Series A that helped the company achieve unicorn status in 2022.

2017–2022
OfBusiness

Co-founder and CFO of a B2B platform offering secured and unsecured credit solutions to small and medium enterprises; the company reached unicorn valuation after external investment.

2016–
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Career Highlights

  1. Co-founded OfBusiness and Oxyzo, both achieving unicorn valuations.
  2. Served as partner at McKinsey after nearly nine years in consulting.
  3. Led finance and capital management functions as CFO and whole-time director at Oxyzo.
  4. Helped raise a $200 million Series A for Oxyzo, reported as the largest Series A for an Indian startup.
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Frequently Asked Questions

What is Ruchi Kalra known for?

Entrepreneur

What is Ruchi Kalra’s marital status?

Married

Who is Ruchi Kalra married to?

Asish Mohapatra