Earn More. Reach More.
Build More — Together.
For the entrepreneur who wants to own their income and grow their business. For the brand that wants to reach customers in every corner of India. Eloka is the platform where both happen — at the same time.
— Where ambitious entrepreneurs and ambitious brands find each other.
Our Partners
Reaching India's Next Billion Customers is Hard
India has over 60 million micro-entrepreneurs — kirana owners, CSP agents, local service providers — who want to offer digital financial services but lack the tools to do it at scale. Brands and fintechs struggle to reach Tier 2, 3, and rural customers without a trusted last-mile network.
Distribution Gap
Traditional distribution is slow, opaque, and offline. Digital services never truly reach the last mile — leaving millions of potential customers and earners untapped.
No Digital Tools for Retailers
Local agents and kirana owners have no unified platform to offer insurance, recharge, banking, or payments — forcing them to rely on fragmented, unreliable sources.
Brand Reach Ceiling
Fintechs and brands cannot scale beyond metros without a trusted, compliant local network. Building one from scratch takes years and costs crores.
A Complete Digital Backbone for Digitization and Distribution
Three integrated pillars that give you everything you need to build, operate, and grow a successful distribution network across India.
Network Enablement
Build and manage your distribution network from one dashboard
- ✓Branded platform — your logo, your identity, your network
- ✓3-tier distributor → retailer → customer management
- ✓Margin controls and real-time performance dashboards
- ✓Retailer onboarding tools and training resources
Multi-Service Stack
Everything your network needs to earn — every single day
- ✓Insurance, Recharge, AePS, Travel, Remittance in one platform
- ✓Pre-integrated services — go live in under 10 minutes
- ✓Your retailers earn on every transaction
- ✓High-frequency daily transactions = daily income
Payments & Collections Engine
The trusted backbone your network runs on
- ✓Accept payments via UPI, cards, net banking & wallets
- ✓Vendor payments, salary disbursal & collections
Who Is Eloka Built For?
Build Your Own Distribution Network
For BC distributors and entrepreneurs who want to build a services network and earn commissions at every level.
Power Your Business Operations
For NBFCs, fintechs, and enterprises that need Verification, Payments, and Payout services integrated into existing workflows.
Choose your path — or combine both. Eloka adapts to your goals.
How the Eloka Platform Works
Whether you're building a distribution network or powering operations, here's how to get started
Brand Your Digital Platform
Add your logo, colors, and domain. Your platform, your identity. Customers see your brand.
Configure Your Services
Select from Insurance, Recharge, AePS, Verification, Payments, and more for your platform.
Onboard Network OR Integrate
Build your distributor-retailer network, or integrate APIs into your business operations.
Start Earning or Streamlining
Earn on transactions across your network or streamline business workflows from day one.
Everything You Need to Earn and Operate
Distribution Income Flow
You set the margins. This income model applies to distribution users.
Trusted & Compliant
RBI-registered infrastructure you can trust.
Zero Tech Skills Needed
No coding or server management. Configure and launch your platform in minutes.
Earn on Transactions
For platform owners: set margins and earn on every transaction across your network.
Run Operations Efficiently
For operations users: integrate Verification and Payments into your existing workflows.
Business Solutions You Can Run on Eloka
Each solution is a business you can run using the Eloka B2B platform — either as a distribution network or for your own operations.
Insurance Business
Run an insurance distribution business. Offer life, health, motor policies and earn on every sale through your B2B platform.
Recharge & BBPS Business
Start a high-frequency B2B recharge business. Mobile, DTH, electricity — daily transactions, daily income.
Travel Services Business
Launch a travel booking business on your B2B platform. Flights, buses, hotels with premium commissions.
AePS Banking Business
Offer Aadhaar-based banking in rural markets. Cash withdrawal, balance inquiry, mini statements via your B2B network.
Payments & Payouts
Accept payments or power payouts. Integrate into your operations or offer to your merchant network through B2B APIs.
Remittance Business
High-demand India-Nepal corridor. Instant transfers with competitive rates through your B2B remittance platform.
Verification Services
Power your KYC workflows. Aadhaar, PAN, background checks — for your business operations or as a B2B service.
Complete B2B Platform
Everything in one. All B2B services, maximum flexibility, highest earning potential from a single platform.
Backed by Eko's Trusted Infrastructure
Eloka is built on Eko's 15-year trusted financial network — powering millions of micro-entrepreneur transactions across India.
15+ Years
Platform infrastructure operating since 2008
20,000+ Partners
Trusted by businesses across India
Pan-India Scale
Urban and rural coverage with reliable uptime
Enterprise Security
Bank-grade security standards
Success Stories
Real distributors. Real income. Real stories from across India.
The insurance platform helped me expand from local to regional coverage — all under my own brand name. I never imagined running my own agency from a small town in Gujarat.
Started with a small team and built a network of 200+ retailers across 3 states. Eloka gave me the backend, I focused on growing my people.
Added AePS and Insurance to my existing shop. Now I earn commission every month without having to chase customers. The platform just runs.
Why Eloka Is the Smartest Way to Start or Scale
Compare your B2B business options and see why Eloka offers the best combination of control, speed, and scalability.
| Option | Control | Time to Launch | Cost | Scalability |
|---|---|---|---|---|
Build Your Own B2B System | High | Months | Very High | Complex |
Become Just a Retailer | Low | Immediate | Low | Limited |
BestEloka B2B Platform | Full | Minutes | Optimized | High |
Questions answered, decisions made easier.
Everything you need to know about Eloka's platform, distribution network, and business solutions.
Still have questions?
Talk to our team — we'll walk you through everything live.