Branch Instant Personal Loan

Branch International Financial Services Limited

About this app

Trusted by 5 CR+ Indians, Branch is a personal loan app that gets you an instant loan up to ₹5,00,000 in your bank in 2 minutes, 100% online, zero paperwork. Branch is an RBI-registered NBFC, and our personal loan app has no hidden charges. Need to borrow money instantly? This loan app is built for it. Borrow money instantly, repay flexibly.

Whether you need ₹2,000 for the week or ₹5,00,000 for something life-changing, Branch is the loan app personal borrowers across India trust. As a loan app personal users return to, Branch matches every need. As the loan app personal customers recommend most, we keep things simple. No other personal loan app in India matches Branch. You pick the loan amount and tenure - a true personal loan app experience. Try the instant personal loan app millions choose. The personal loan app you can trust, every time.

🏆 WHY MILLIONS CHOOSE THIS LOAN APP
✅ Instant loan amounts: up to ₹5,00,000
✅ Tenure: 4 - 24 months
✅ Interest rate: 12% - 66% p.a.
✅ APR: 20% - 50%*
✅ 100% paperless instant loan online app
✅ Money in your account in 2 minutes
✅ Quick credit score check, no CIBIL score hassle for many users
✅ RBI-regulated lending, fully transparent

Branch is a fast loan app instant cash advance for genuine personal needs - not a loan app instant cash advance for gambling. Use this loan app instant cash advance responsibly. The instant loan online app you can rely on - the loan app personal users keep open.

GET YOUR INSTANT LOAN IN 3 STEPS
1️⃣ Download this loan app and register with your mobile number
2️⃣ Enter PAN, get a personal loan app offer in minutes. We assess your credit score and CIBIL score instantly
3️⃣ Accept your loan and money hits your account fast - how a real instant loan online app works

REPRESENTATIVE EXAMPLE
✔ Loan amount: ₹1,40,000
✔ Tenure: 24 months
✔ Interest rate: 27.01% p.a.
✔ Processing fee + GST: ₹3,304
✔ Monthly EMI: ₹7,614
✔ APR: 29.59%
APR = interest rate + processing fee + all charges. Actual EMI and rate depend on your credit profile, credit score, CIBIL score, and loan amount. All charges shown upfront. No hidden fees.

🛡️ CUSTOMER SAFETY
- Reminders only via registered channels, never personal, foreign or VOIP numbers
- Repayments only via the Branch loan app, never to personal accounts
- Collection follows RBI guidelines and is fully monitored
- SMS data used only to assess creditworthiness, credit score, and CIBIL score - never shared

USE THIS PERSONAL LOAN APP FOR WHAT MATTERS
🏥 Medical - hospital, pharmacy
🎓 Education - tuition, courses
✈️ Travel - flights, bookings
💍 Wedding - venue, catering
🛠️ Home repair - appliances, furniture
📱 Electronics - smartphone, laptop
💼 Business - stock, working capital
🆘 Emergency - borrow money instantly when life demands it

ELIGIBILITY
✔ Indian citizen, 18+
✔ Valid PAN card
✔ Active bank account
✔ Smartphone, internet
No salary slip. No collateral. A clean credit score helps, but each CIBIL score is reviewed holistically.

LENDING PARTNERS
🏦 Hari and Company Investments Madras Private Limited (formerly Vivriti Capital Limited)
🏦 Northern Arc Capital Ltd.
🏦 InCred Financial Services Limited

🌐 LANGUAGES
English and Hindi - instant loan in your language.

🔐 MEMBERSHIPS
🏛️ DLAI - Digital Lenders Association of India
🏛️ FACE - Fintech Association for Consumer Empowerment

ABOUT BRANCH
Operated by Branch International Financial Services Private Limited, an RBI-registered NBFC, founded by Matt Flannery. Responsible, ethical digital lending in full RBI compliance. Your credit score and CIBIL score stay private, end-to-end encrypted.

Need to borrow money instantly? Download the Branch loan app today.

Contact
📞 [phone]
📧 [e-mail]
💬 Or chat in the app

Ratings and reviews

If a user accidentally forgets their app PIN and enters the wrong PIN five times, resetting it becomes extremely difficult. This issue should be resolved first. There should also be another option to repay the loan through a different platform if the app cannot be accessed. Moreover, customer support is not helpful—their phone is always switched off, making it impossible to get assistance.

The app is easy to use, and the loan application process is straightforward. Approval was reasonably fast, and the funds were disbursed on time. However, it's important to read the terms carefully, especially the interest rates, processing fees, and repayment schedule. Customer support could be improved. Overall, it's a decent option if you understand the costs before borrowing.

Thanks to them when I was in need of some money. I got a limit of 1500 in the very beginning then got more and took a loan of 4000 twice and paid all dues on time. However, this time my limit is decreased to 2500 only and I contacted the support team through the in app chat feature. However, it's been more than 24 hours and no one texted me back or contacted me in any way.

What’s new

Better than your bank - we've totally redesigned our app to help you manage your finances on the go. Update now to see our sleek new design and get access to new products and features.

If you like the new update, share the love by leaving a 5-star review and inviting your friends. Have feedback? Let us know by messaging Customer Care in the app.