Branch App Invite Code 2026 “ARCHAN99199” Get 300 Rs Cashback On First Loan

Branch is a digital banking and financial services platform that has gained significant popularity, with over 10 million downloads globally and a 4.5-star rating on app stores. The app offers users access to fast payouts, a free digital bank account, and a debit card that can be used wherever Mastercard is accepted. In 2026, the platform continues to provide various financial products, including personal loans, through its referral program .

How the Branch Referral Program Works

The Branch referral program is designed to reward both existing users and new customers who join through an invite code. When a new user signs up using a valid invite code like “ARCHAN99199”, they can qualify for a cashback reward upon completing specific actions—in this case, taking their first loan through the app .

Industry data shows that incentivized referrals drive conversion rates of approximately 70%, and referred users are typically twice as valuable as those acquired through other channels .

Steps to Redeem the “ARCHAN99199” Invite Code

To claim the Rs. 300 cashback on your first loan, follow these steps:

1. Download the Branch App – Install the official Branch app from the Google Play Store or Apple App Store. Be cautious of fake apps and only download from official sources .

2. Create Your Account – Enter your phone number and verify using the OTP sent via SMS. Set up a secure PIN for your account .

3. Enter Invite Code “ARCHAN99199” – During registration, locate the field labeled “Invite Code,” “Referral Code,” or “Offer Code.” Type in ARCHAN99199 exactly as shown. This step is critical to qualify for the Rs. 300 cashback offer.

4. Complete KYC Verification – Provide the required identification documents. This typically includes a government-issued ID and may involve granting certain app permissions for credit assessment purposes .

5. Apply for Your First Loan – Navigate to the loan section within the app and complete your first loan application. The approval process usually takes 2-5 minutes, and upon approval, funds are typically sent within 2-10 minutes .

Understanding the Cashback Offer

The Rs. 300 cashback is typically credited after successfully taking your first loan through the Branch app. Terms to keep in mind:

• First-time users only – The offer is generally available only to new users who have not previously taken a loan on Branch
• First loan qualification – The cashback is triggered upon successful completion of your first loan transaction
• Payout method – The cashback is usually deposited directly into your Branch account balance

Important Notes About Branch Loans

For new users, the first loan amount is typically small by design. Branch starts conservative and increases limits based on repayment behavior. Interest rates vary based on loan duration and amount, with APRs ranging from approximately 22% for longer-term loans to higher rates for short-term small loans .

Use invite code “ARCHAN99199” today to apply for your first Branch loan and earn Rs. 300 cashback. Always review the loan terms, including interest rates and repayment schedules, before confirming your application.