Short answer: Branch says it needs no salary slip and reviews credit holistically, with rates of 12% to 66% a year (APR 20% to 50%) and tenures of 4 to 24 months. KreditBee has a narrower published range (12% to 27.5%), a ₹10,000 income bar and tenures up to 60 months.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Branch vs KreditBee at a glance
| Branch | KreditBee | |
|---|---|---|
| Type | Loan app of Branch International Financial Services, an RBI-registered NBFC, plus partners | Loan app (Krazybee Services, an RBI-registered NBFC, plus partner lenders) |
| Loan amount | Up to ₹5 lakh | ₹3,000 to ₹10 lakh |
| Interest rate | 12% to 66% a year (Google Play) | 12% to 27.5% a year (website); 12% to 28.5% (Google Play) |
| APR | 20% to 50% (Google Play) | 17% to 50% (Google Play) |
| Processing fee | No standalone rate; Play example ₹3,304 incl. GST on ₹1,40,000 (about 2.4%) | Up to 4.7% + GST |
| Tenure | 4 to 24 months | 3 to 60 months |
| Minimum income | Not stated; no salary slip needed | ₹10,000 a month (household income above ₹25,000) |
| Who can apply | Not stated | Salaried (2+ months in current job); self-employed options linked |
| Age | 18+ | 21 to 60 |
| Prepayment and foreclosure | Not stated | Foreclosure up to 5% of principal outstanding + GST; part-prepayment up to 5% of amount prepaid + GST |
| Product | Term loan (EMI) | Term loan (EMI) |
| RBI-regulated lenders | Branch International Financial Services, Hari and Company Investments Madras, Northern Arc Capital | Krazybee Services, PayU Finance India, Oxyzo Financial Services, Vivriti Capital, Cholamandalam Investment and Finance, Kisetsu Saison Finance, Tata Capital, Northern Arc Capital, Piramal Finance, MAS Financial Services, Mirae Asset Financial Services, Aditya Birla Capital |
| On RBI’s digital lending app list | Yes: 3 RBI-regulated lenders list it; 5Cr+ installs, rated 4.6 | Yes: 15 RBI-regulated lenders list it; 10Cr+ installs, rated 4.6 |
| Also worth knowing | No salary slip needed; Credit score reviewed holistically | Says low-CIBIL applicants may qualify; Penal charge 36% a year on overdue principal (2 to 180 days) |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Branch | Play example rate and fee | 27.01% | ₹4,801 | ₹7,613 | ₹1,180 | ₹8,793 |
| Branch | Highest Play rate | 66% | ₹5,801 | ₹19,618 | ₹1,180 | ₹20,798 |
| KreditBee | Lowest advertised rate | 12% | ₹4,442 | ₹3,309 | ₹2,773 | ₹6,082 |
| KreditBee | Highest advertised rate (website) | 27.5% | ₹4,813 | ₹7,757 | ₹2,773 | ₹10,530 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Rate: Branch 12% to 66% (Google Play); KreditBee 12% to 27.5%.
- Documents: Branch says no salary slip; KreditBee asks for salaried income.
- Tenure: Branch 4 to 24 months; KreditBee 3 to 60 months.
- Lender: Branch is itself an RBI-registered NBFC; KreditBee lends through Krazybee Services and partners.
Which should you choose?
Branch may suit you if you cannot show a salary slip.
KreditBee may suit you if you have a regular salary and want a lower published maximum rate.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Is Branch an RBI-registered lender?
Yes. Branch International Financial Services Private Limited is an RBI-registered NBFC, and also works with partner lenders.
Why is Branch’s top rate 66%?
Branch prices by risk. Borrowers without salary slips or with thin credit histories may be offered rates near the top. Its own example uses 27.01% a year.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
Read more: Branch app review · KreditBee app review · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.