Branch makes it easy for people to access a loan, anytime, anywhere. Complete our application in seconds and receive your loan straight into your bank account. Visit our website to learn more.
Branch offers unsecured personal loans.
Branch has offices in Nairobi, Kenya; Lagos, Nigeria; Mumbai, India; and San Francisco, United States.
At the moment, Branch operates in India, Kenya, and Nigeria.
You can follow this link and click Update. Or you can go to Google Play, search for “Branch International” then click “Update”.
You can contact customer service via the chat option on the app or file a complaint over an email to [email protected] or by clicking here. You can also find contact details of our Grievance Redressal Officer (GRO) here.
If your complaint is not resolved within 30 days or you're dissatisfied with the response, you can escalate it to the RBI Ombudsman at cms.rbi.org.in. Please find the full policy here.
If your complaint is not resolved within 30 days or you're dissatisfied with the response, you can escalate it to the RBI Ombudsman at cms.rbi.org.in. Please find the full policy here.
Our preferred method of communication is the in-app chat feature or email to [email protected]. Please send us a message at any time, and we will help you resolve whatever issue you may have. For more complex issues, we will call you within 48 hours to resolve the issue.
Please click here to see what other customers are saying about Branch.
Requirements are simple - all you need to apply is your active mobile number, PAN number, Aadhaar card or Voter ID, and bank account number. We will also request access to the data on your phone in order to build your credit score.
Branch uses data from your phone, including your handset details and transaction messages to make lending decisions. We combine this with your Branch repayment history to build an individualised credit score, which determines the loan offers you receive.
We aim to process all loans within 24 hours. On average we process loans in less than 8 hours and hope to reduce that to a few minutes.
If you don’t get accepted when you apply, don't worry! Sometimes it may take several attempts to qualify for a loan. We encourage you to continue saving data on your phone and to reapply after the period stipulated.
Branch uses data from your phone as well as other sources to make a lending decision. To increase your chances of approval, please make sure to save the data on your phone, stay current with all other lenders, and correctly input your personal and account details.
Applying for a loan is easy! After you have downloaded the Branch app, all you need to do is sign up, navigate to the “Loans” option at the bottom of the Home screen, and fill in your personal details, phone number and bank details. Then you can view available loan offers, select an option, and tap “Apply”.
Our loan sizes range from ₹500 to ₹5,00,000. If you repay loans as scheduled, the amount that you can borrow will increase.
The loan offers you see depend on a number of factors, including your repayment history with Branch. If you repay each installment by its due date, you may unlock access to larger loans over time. Note that the increase may not always be immediate, and that repaying your loan late may result in smaller loan offers.
Unfortunately, you won't be able to access a loan of a larger size. The fastest way to increase the amount you are eligible for is to build credit by making each repayment on time.
The largest loan amount we currently offer is ₹5,00,000. To access this amount you need to take and successfully repay the smaller amounts on time and gradually build your credit limit.
Interest rates are determined by a number of factors, including your repayment history with Branch and the cost of lending for us. The interest rate is an annualized fixed rate [Indicated in the KFS] that is applied on the outstanding principal balance of your loan. Standard SMS and data charges by your mobile carrier may apply.
There is operational work and expense that goes into processing your loan application and approving your loan. In order to continue offering great service, we have introduced processing fees to cover the operational costs of processing your loan application. The processing fee and GST is charged upfront prior to disbursement of the loan. This is a standard practice followed by all financial institutions.
Your loan offers are automatically determined by a number of factors. Even though it may not always increase immediately, it will increase over time as you continue to make your repayments on time.
Each loan amount is automatically determined by our systems each time you repay based on a number of factors. We encourage you to keep making your repayments on time to increase your loan amount.
Yes, Branch currently partners with Vivriti Capital (legal name: Hari and Company Investments Madras Private Limited) and Northern Arc Capital Limited. You can find more details here.
Kindly navigate to the “Loans” option at the bottom of the Home screen, and then tap the blue “Make a Payment” button to conveniently make a repayment via netbanking, debit card, or UPI without bank charges.
If you have never activated netbanking on your account, please visit your nearest bank branch. You will have to fill out a simple form and it will get activated in a few days.
If you did not receive a debit card when you opened your bank account, please visit your nearest bank branch, and they will be able to assist with you getting a debit card.
If you have never used UPI before, download a UPI app (BHIM, PhonePe, Tez, etc.) onto your phone and create a virtual payments address (vpa) that is linked to your bank account. Once you have created your unique vpa, select payment via UPI in the Branch app, enter your vpa, and follow the instructions displayed on the screen to complete the payment.
If you want to repay the loan in one payment, we advise that you do it on your first repayment date to make sure that you are not late on any of your loan repayments. You cannot skip your repayments and pay the whole loan on the last due date as this will negatively affect your future loan amounts. Please note that prepayment and foreclosure charges would be applicable in this case. Refer to the KFS (Key Fact Statement) for details.
To view your repayment information, tap on your loan balance on the Home screen or the “Loans” option at the bottom of the Home screen, then tap on “Repayment Schedule”. You will be able to see your installments, due dates and the amounts due on those dates.
Repayments can take up to 24 hours to reflect. If it has been 24 hours since you made your repayment and it hasn't reflected, kindly send us the transaction confirmation message you received when you repaid your loan. We will follow up and update your account.
Yes, you can repay your loan partially or in full before your due date. Prepayment and foreclosure charges may apply, and are typically a small percentage of the amount repaid early. Check your Repayment Schedule (tap "Loans" on the Home screen) or your Key Fact Statement (KFS) for exact charges.
If there's no overdue amount on your loan, any extra you pay above your scheduled EMI reduces your outstanding principal — which lowers the interest calculated going forward. This adjustment is applied to your last EMI(s), so your upcoming due dates and EMI amount stay the same. Depending on how much extra you've paid, this may remove one or more EMIs at the end of your schedule, or simply reduce the amount due on your final EMI. Prepayment charges may apply — see your Key Fact Statement (KFS) for details.
Auto-debit makes repaying your Branch loan easy! After requesting a loan, tap 'Set up Auto-Debit' and open a new window where you will enter your payment details. If successful, your payments will be debited automatically at each subsequent repayment date. You can also set up and manage your auto-debit preferences in the 'My Account' section of your Branch app by tapping 'Financial Accounts' and then selecting 'Auto-debit.' Kindly note that your bank may charge a fee for setting up auto-debit.
To exit your loan by exercising the cool-off period option, please go to Loans >> click on “Make a Payment” >> select “Total due” >> click “Continue” within one day of disbursement to see the revised amount that you need to repay. In this scenario, the processing fee and GST will be retained, and interest will be proportionately waived off.
Reducing Balance Interest is a method where interest is calculated only on the remaining loan amount after each repayment, instead of the original loan amount. This means your interest decreases as your loan balance reduces.
- Make prepayments: Reduce your loan balance early to save on future interest.
- Opt for shorter tenures: Shorter loan terms lead to lower total interest payments.
- Maintain a high credit score: A good credit score can help you secure better interest rates and save more over time.
Your overdue amount includes the unpaid EMI, applicable penalties (e.g., late payment charges), and any additional interest accrued due to the delay. These charges are added to your repayment schedule until the overdue amount is cleared.
If you pay more than what's owed and your loan is fully closed, the extra amount is refunded to your bank account.
Foreclosure means paying off the remaining balance of your loan before the tenure ends. This can save you on future interest, but a foreclosure fee may apply based on your loan terms. Check your "Repayment Schedule" for more details.
Paying each installment by its due date is important to build your credit score and increase your loan limit. We are required by law to report late payments to CIBIL, which will affect your ability to get subsequent or larger loans. Conversely, if you repay your loans as on or before the scheduled dates, you will gain access to larger loan amounts over time. Please refer to the Key Facts Statement (KFS) document for the exact late fee applicable on your loan.
Unfortunately, Branch cannot alter your repayment schedule after you've received a loan. If you are unable to repay the full amount due, we advise you to start making partial repayments as soon as possible.
CIBIL is a Credit Reference Bureau (CRB) that collects credit information on individuals and provides repayment performance data to banks, lenders, and other businesses. CRBs help promote financial inclusion and prevent overindebtedness.
Get your unique referral code here and share with as many friends as you'd like. After a friend downloads the app, make sure they enter your code on our “Promotions” page. Once they repay their first loan you will receive a bonus. Bonuses are automatically deducted from the amount of principal you owe on your next loan. Kindly note that your friends must enter the referral code within 6 months of registering and/or before applying for their first loan or you won't receive your bonus. By participating in the referral program you agree to the Branch Referral Program Terms and Conditions.
Please advise the person who invited you to Branch to send you their promotion code. Kindly copy the code and paste it in the “Promotions” page, which can be found by navigating to “My Account” on the top right corner of the Branch app. If you were not invited by anyone or you have completed 6 months since registering and/or already applied for your first Branch loan, the code will not be applicable.
Go here. From there, you can message the person you want to invite. Your friend should then be able to click the link in the message they receive to download the app.
Bonuses are automatically deducted from the amount of principal you owe on your next loan. Kindly note that your friends must enter the code on their Promotions page within 6 months of registering and/or before applying for their first loan or you won't receive your bonus. Your referee needs to successfully repay their first loan on time for you to get the referral credit.
You can check your balance here. Click on “Review your bonuses” to see your balance for credits received.
In order to receive the credit, kindly ensure that the person you invited registers your code on their account within 6 months of registering and/or before applying for their first loan. Your referee needs to successfully repay their first loan on time for you to get the referral credit.
Referral credits earned after 2025-12-11 will expire within 6 months of earning them, i.e, from the date your referee made their loan repayment. Make sure to use them before they expire! You can check your balance here. Click on “Review your bonuses” to see your balance for credits received.
Your reward depends on the loan amount your friend gets—the higher their loan, the higher your reward.
To edit your personal details, click on this link My Account, or tap on the person icon on the top right corner of your screen that takes you to “My Account”. Then tap “Profile” to update your personal information.
If you are having trouble validating your contact number, write to us through “Customer Care” in the app. We will resend the validation code to you.
As part of our KYC process, we require all customers to enter their PAN number into the Branch app. If you don't know your PAN number, please go to this website, enter in your personal details, and enter the OTP that is sent to your mobile. You will then be directed to a page that will show your PAN number.
A QR code is a machine-readable bar code that can store data. You can find it on the bottom right-hand corner of your Aadhaar card.
If you would like to delete your account, please make sure that you have repaid all of your loans and then write to us on the in-app chat or email us at [email protected] with your request.
A UPI ID can be in the following format - abcd@bank (where 'abcd' can either be your first name, a part of your email address, or your mobile phone number, and 'bank' is the name/initials/shortened name of the bank providing services to the UPI app with some prefix or suffix added in some cases).
We use world-class data security and encryption techniques to protect the data you share with us. Branch never shares your information with third parties. We do not sell your data or credit profile.
Branch uses your ID to ensure your account belongs to you, and so that no one else can apply for a loan using your account. We understand that this is very sensitive information and take our customer privacy very seriously. If you have additional concerns, please contact the Branch customer service team.
Branch uses data from your phone, including handset details, SMS logs, and contact lists to make a lending decision. This data is a crucial part of our decision making process, and allows us to provide seamless and efficient financial services.
In your Android Phone, kindly go to Settings > Apps > Branch > Permissions and make sure that you have enabled Branch to access everything requested.
Yes, you can manage or revoke your consent through the following methods:
- Device Permissions: To revoke app permissions granted earlier, long-press the Branch app icon on your device's home screen, tap the 'App info' (i) icon, select 'Permissions,' and toggle off the access you wish to withdraw.
- Other Requests: For any other consent revocation, please write to us via the in-app chat or email us at [email protected] with your request.
You can send an email at [email protected] and raise a request for deletion of any specific items that you may want us to delete.
You can find the Privacy Policy here.
Please see the terms of use and policies here.
Please click here to read our Grievance Redressal Policy and click here to read our Fair Practices Code.
It is a benefit that provides financial protection in case of accidental death & provides other value added services such as doctor on call or chat.
No, it is optional. It is pre-selected for your convenience, but you can opt out before submitting your loan application.
The premium is a small percentage of your loan amount, shown on the loan offer screen before you confirm your loan.
No, opting for Protect+ does not impact your loan eligibility. Your loan offer is determined based on your credit profile, and Protect+ is an additional feature for your protection.
After your loan is disbursed, you will receive a confirmation along with the policy document via email.
It covers accidental death, doctor on call/chat, medicine discounts, single call to block lost cards, renewal of cards, account and ID assistance, and lost PAN card replacement. For full details, see the “Learn More” section.
Your nominee or family member can file a claim with the insurer using the policy details provided after loan disbursement
BranchPlus membership is a prepaid plan that gives you a 100% processing fee (PF) discount on all loans disbursed during your active membership period, helping you receive a higher loan amount in hand.
You can choose between a 3-month plan priced at ₹399 and a 6-month plan priced at ₹599. These are limited-time introductory offers.
Your membership starts immediately after successful payment and remains active for the duration of the plan you selected.
You can view your membership status, validity, savings, and history in the "BranchPlus" section of the app.
Yes, you can take multiple loans during your membership period and get zero processing fee on all of them, subject to your loan eligibility.
No, your loan eligibility is subject to our credit policy. The membership does not guarantee a loan.
Your membership will still expire at the end of its validity period.
Yes, you can purchase a new plan after the current membership expires.
Memberships cannot be paused or modified once activated. The membership will expire once the tenure of the membership ends. The membership fee is non-refundable.
Once your membership expires, standard processing fees will apply again on new loans.
If you face any issues such as payment failure or benefits not being applied, you can contact Customer Support through the app for assistance.
You can see the Regulatory digital lending directions here.
You can access the Sachet portal at sachet.rbi.org.in to verify registered financial entities, report unauthorized money collection, or file complaints about fraudulent schemes.
