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 20 August 2026
AI-generated summary from public filings and may contain errors. Verify against the detailed sections below.
Company Identity
Confirmed| 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
Confirmed- 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
Partial / conflictingConfirmed 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 both sources agree | - |
| Sandeep Diddi | 03391447 | Director Tofler | - |
| Hosdurg Sundar Kamath Upendra Kamath | 02648119 | Director Tofler | - |
| Dhrubashish Bhattacharya | 09505942 | Nominee Director Tofler | - |
| Sivaramakrishnan Manikumar | 08956660 | Nominee Director Tofler | - |
| Suresh Shanker Menon | 00737329 | Director Tofler | - |
| Suresh Natwarlal Patel | 07202263 | Director Tofler; also listed as "Additional Director" by Falconebiz | - |
| Anindya Sunder Paul | 10272439 | Nominee Director Tofler | - |
| Vivek Kumar Malhotra | - | Nominee Director named by Falconebiz only, DIN not obtained from this source; not obtained | - |
Financials
Partial / conflictingFY2024-25: 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. FY2025: Revenue ₹69.21 Cr (up 54% YoY) — broadly consistent with Tofler's ₹50-75 Cr band, corroborating (2 sources agree on range/direction). 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
Partial / conflicting- 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
Partial / conflicting- 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
Partial / conflictingNamed 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.
Frequently Asked Questions
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