Company Intelligence Profile
Branch International Financial Services Private Limited
Digital-lending NBFC (100% subsidiary of US-based Branch International Inc.) offering small-ticket, short-term unsecured personal loans via the Branch app in India.
Last updated 10 August 2026
Branch International Financial Services Private Limited is a digital lending NBFC in India, offering small-ticket short-term unsecured personal loans via the Branch app. In FY2025, the company achieved approximately ₹831.55 Cr in revenue, with a profit after tax of ₹104 Cr, and saw significant growth with 137% year-over-year revenue increase.
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
| Registered name | Branch International Financial Services Private Limited |
|---|---|
| CIN | U65929MH2017FTC296528 |
| PAN | AAHCB3102G |
| Status | Active — Private Limited (subsidiary of a foreign company) |
| Listing |
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| Incorporated | 23 June 2017 |
| ROC | RoC-Mumbai (Maharashtra) |
| Sector (NIC) |
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| Registered address |
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| Authorized capital | Conflict: ₹120 Cr vs ₹100 Cr. Reported as conflict — treat ₹120 Cr as more recent. |
| Paid-up capital | Conflict: ₹111.06 Cr vs ₹92.35 Cr. Reported as conflict. |
Business Overview
- A digital-lending NBFC operating the "Branch" smartphone app in India
- Offers short-term, small-ticket unsecured personal loans (₹1,000 to ₹2,00,000, tenures up to ~2 years) with fully digital, app-based origination, underwriting and disbursal
- Two ticket tiers — lower (avg ~₹5,500) and larger (avg ~₹18,000)
- ~90% repeat borrowers
- India is the group's largest market (>90% of parent revenue)
- Source: CRISIL rating rationale (13 Jan 2026)
Directors & DINs
Current board (per TheCompanyCheck / Tofler / Falconebiz listing):
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Neeraj Gupta | 08816202 | Managing Director | - |
| Matthew Joseph Flannery | 07809256 | Director | - |
| Suresh Kumar Jain | 05103064 | Director | - |
| Uma Shankar Paliwal | - | Director | - |
GST Registrations
| GSTIN | State | PAN | Status |
|---|---|---|---|
| 27AAHCB3102G1Z5 | Maharashtra | AAHCB3102G (derived from GSTIN 27AAHCB3102G1Z5; not independently confirmed on a filing — partial) | Active |
Primary & only GSTIN: 27AAHCB3102G1Z5 (Maharashtra) — Active, Regular taxpayer, Private Limited Company, registered 26 Jul 2017 (KnowYourGST). PAN embedded: AAHCB3102G. Home state: Maharashtra. Number of registrations: 1 (per TheCompanyCheck, as of Mar 2026). Status: Active.
Financials
Branch International Financial Services Private Limited achieved significant growth with a revenue of ₹831.55 Cr in FY25, up 137% year-over-year, and reported a PAT of ₹104 Cr. Its H1FY26 results include a PAT of ₹92 Cr and an AUM of ₹1,326 Cr.
Standalone (NBFC), source = CRISIL rating rationale dated 13 Jan 2026 unless noted:
- Total income/revenue ≈ ₹831.55 Cr
- PAT ₹104 Cr
- Net worth ₹262 Cr
- AUM ₹909 Cr
- Total assets ₹1,090 Cr
- Disbursements ₹5,128 Cr
- Gearing 1.8x
- 90+ DPD/disbursements 5.0%
- PAT ₹71 Cr
- AUM ₹401 Cr
- Total assets ₹476 Cr
- Disbursements ₹2,066 Cr
- Gearing 1.8x
H1FY26 (as on 30 Sep 2025): AUM ₹1,326 Cr; PAT ₹92 Cr (half-year); Net worth ₹401 Cr; Total borrowings ₹684 Cr; Total assets ₹1,547 Cr; Gearing 1.7x; PAT margin ~2.3% annualized.
EBITDA: not separately disclosed for an NBFC — not obtained.
Funding
- Equity funded almost entirely by parent capital infusions — ~₹67 Cr in the current fiscal (CRISIL, Jan 2026)
- ~₹36.27 Cr in Q1 FY25 (Entrackr, via search)
- Debt: raised via NCDs (₹100 Cr rated by CRISIL) and listed corporate bonds
- Global parent Branch International Inc. has raised ~$451M total across the group (growjo/search — group-level, not this entity)
- No named external equity VC round into the Indian entity found — not obtained
Charges & Loans
- Open/secured charges outstanding ≈ ₹1,702.07 Cr; satisfied charges ≈ ₹134.71 Cr. Consistent with total borrowings ₹684 Cr (Sep 2025) plus secured NCD/bank facilities
- Individual charge-holder breakdown not obtained
Credit Ratings
- CRISIL Ratings (13 Jan 2026): 'CRISIL BBB/Stable' assigned to ₹100 Cr Non-Convertible Debentures
- ₹100 Cr Long-Term Bank Facility reaffirmed at 'CRISIL BBB/Stable'
- An Acuité Ratings press release also exists for the entity (Oct 2024 / Aug 2025 references) — Acuité rating grade not extracted here
- LEI: 335800R1XMHWVKD6HN35
Competitors
Indian digital-lending / small-ticket personal-loan NBFCs and apps:
- KreditBee (large; digital personal loans)
- Kissht / Ring (large)
- MoneyView (large; consumer lending)
- Fibe (formerly EarlySalary) (large)
- CASHe (mid)
- Navi Finserv (large)
- PaySense / Aditya Birla-owned (mid)
Rough scale: Branch India (AUM ~₹1,326 Cr, Sep-2025) is a mid-sized player versus KreditBee/MoneyView/Navi which are materially larger.
Frequently Asked Questions
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