Chennai-based neobank startup Kaleidofin has raised Rs 36 crore in Series A funding, led by impact investment firm Oikocredit, along with participation from existing investors Flourish, Omidyar Network India, Blume Ventures and Bharat Inclusion Seed Fund, among others. The startup helps the under-banked gain access to financial products, for which it partners with banks, mutual funds and insurance companies. It uses technology to customise products by looking at data on demographic profiles, income sources, asset ownership, among others.