Company Intelligence Profile
Online PSB Loans Limited
Online PSB Loans Limited (brand: PSB Loans in 59 Minutes / OPL) operates a digital lending platform that automates loan origination and fundraising, connecting MSME/retail borrowers with Public Sector Banks (PSBs) and other lenders.
Last updated 21 August 2026
Online PSB Loans Limited, incorporated in 2015 and based in Ahmedabad, operates a digital lending platform under the brand PSB Loans in 59 Minutes. It automates loan origination and fundraising, connecting MSME and retail borrowers with public sector banks and other lenders. It has a subsidiary in the Account Aggregator framework, is a DPIIT-recognised startup, and is an active public limited company.
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
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Company Identity
| Registered name | Online PSB Loans Limited |
|---|---|
| CIN | U74140GJ2015PLC082744 |
| PAN | Not available in the public sources reviewed. |
| Status | Active (compliant), Public Limited Company, DPIIT-recognised startup |
| Listing | Unlisted |
| Incorporated | 30 March 2015 |
| ROC | RoC Gujarat / listed as "Ahmedabad" by Falconebiz — same RoC, naming variant; treat as RoC-Ahmedabad, Gujarat |
| Sector (NIC) | Business Services / Information & Communication — "computer programming, consultancy and related activities"; digital platform automating fundraising, connecting loan seekers with PSU banks |
| Registered address | First Floor, Ashwamegh Elegance-3, Opp. SBI Corporate Office, S.M. Road, Ambawadi, Ahmedabad, Gujarat, 380015 |
| Authorized capital | ₹6.5 Cr / ₹6.45 Cr — minor discrepancy, both sources close, confirmed at ~₹6.45–6.5 Cr |
| Paid-up capital | ₹4.13 Cr |
Business Overview
- Online PSB Loans Limited (brand: PSB Loans in 59 Minutes / OPL) operates a digital lending platform that automates loan origination and fundraising, connecting MSME/retail borrowers with Public Sector Banks (PSBs) and other lenders
- Company email domain oplinnovate.com and official site onlinepsbloans.com
- Has a subsidiary, Online PSB Account Aggregator Private Limited, indicating expansion into the Account Aggregator (AA) framework for financial data sharing
Directors
Confirmed via Tofler (8 listed) and partially cross-checked via Falconebiz (10 current, some names differ — entity may have added/removed directors between snapshots):
| Name | DIN | Role | Appointed |
|---|---|---|---|
| Jinand Vikasbhai Shah | 03473622 | Managing Director | - |
| Sandeep Diddi | 03391447 | Director | - |
| Hosdurg Sundar Kamath Upendra Kamath | 02648119 | Director | - |
| Dhrubashish Bhattacharya | 09505942 | Nominee Director | - |
| Sivaramakrishnan Manikumar | 08956660 | Nominee Director | - |
| Suresh Shanker Menon | 00737329 | Director | - |
| Suresh Natwarlal Patel | 07202263 | Director | - |
| Anindya Sunder Paul | 10272439 | Nominee Director | - |
| Vivek Kumar Malhotra | - | Nominee Director | - |
Financials
- Revenue range ₹50-75 Cr
- EBITDA growth 303.57% YoY
- Net Profit growth 4259.76% YoY
- Net worth growth 173.47%
- Operating margin 8.13%
- Net profit margin 10.56%
- ROE 5.04%
- Debt-to-Equity 0.01. Last AGM 14 Aug 2025
- Revenue ₹69.21 Cr (up 54% YoY) — broadly consistent with Tofler's ₹50-75 Cr band, corroborating. EBITDA and PAT absolute figures locked/not obtained from either source. Standalone vs consolidated basis not specified by either source — not obtained. Treat absolute EBITDA/PAT/net worth/borrowings as not obtained; growth rates and revenue as confirmed (2-source agreement on revenue range)
Charges/Loans
- Open charge of ₹4.75 Cr held by State Bank of India
- Satisfied charge of ₹2 Cr
- Total charge records: 2
- Single-source — partial confirmation, not cross-checked with a second source
Legal
- Indian Kanoon: one case referencing the company directly — Girish Mittal vs Small Industries Development Bank of India (Central Information Commission, 9 March 2021), an RTI matter regarding loan sanction/disbursement information where SIDBI stated information on "Online PSB Loans Ltd." was not under its control
- No other direct litigation identified (116 other search hits were incidental/unrelated)
Competitors
Named peers in the digital MSME/PSB-linked lending and account-aggregator space (rough scale tags, not sourced from the same registry pages — general market knowledge, flag as not source-verified for this specific pass):
- Lendingkart (mid-scale NBFC-fintech lender)
- Indifi Technologies (mid-scale MSME lending platform)
- Finbox (smaller, embedded-lending infra)
- CredAvenue/Yubi (large-scale debt marketplace)
- Perfios (large-scale, account aggregator/data infra adjacent)
- NeoGrowth Credit (mid-scale MSME NBFC)
competitor list is analyst-compiled from general sector knowledge, not confirmed via the specific registry sources used for this profile.
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