Decide based on your real situation, not on how fast the loan is approved.
Loan amounts of Rs 5,000 to Rs 2,00,000 with tenure up to 12 months — flexible for small or mid-size needs.
Interest runs 1% to 3% per month (roughly 12-36% p.a.), so it can be pricey at the high end versus a bank loan.
Only open to ages 20 to 55, so it's not an option for older borrowers.
The India-facing Branch app is operated by Branch International Financial Services Private Limited, a company incorporated in India (CIN U65929MH2017FTC296528) and a subsidiary of the global fintech Branch International. Its registered office is at 01, AWFIS Space Solutions, 4th Floor, VIOS Towers, Off Eastern Express Highway, Sewri-Chembur Road, Mumbai, Maharashtra 400037. Branch is the customer-facing app rather than the regulated lender: the bank or NBFC named in each offer's Key Fact Statement funds the loan, and Branch has disclosed co-lending arrangements with Vivriti Capital and Northern Arc Capital Limited. The FAQs below cover how to verify the lender and the app, the advertised loan terms, who is eligible, and how to reach support or report fraud.
Accepted answer
Requirement: Match the lender named in your Key Fact Statement (KFS) and loan agreement against current RBI records before sharing any KYC information.
Benefit: Branch advertises personal loans of up to Rs 5,00,000, with approval decisions typically communicated within 24 hours, subject to individual eligibility.
Characteristic: Branch operates in India through Branch International Financial Services Private Limited, an India-incorporated entity with a registered CIN and a published Mumbai office address.
Differentiator: RBI regulates the bank or NBFC named in the KFS as the actual funding lender - such as Branch's co-lending partners Vivriti Capital and Northern Arc Capital Limited - not the Branch consumer app itself.
