OSBIndia

What OSBIndia does

OSBIndia Private Limited (OSBI) is a wholly-owned Indian subsidiary of UK-listed financial services holding company OSB Group PLC, incorporated in 2004 in Karnataka (CIN U74140KA2004PTC035313). OSBI functions as an offshore shared services and operations center rather than an independent product company. It delivers operational service support across mortgage origination and servicing, savings operations, customer service, IT infrastructure management, product development, compliance and financial crime, risk analytics and regulatory reporting, accounting, and human resource management for six OSB Group trading brands in the UK: Precise Mortgages, Charter Savings Bank, KentReliance, InterBay, InterBay Asset Finance, and Heritable Development Finance, plus intermediary brand KRFI.

OSBI operates from two Indian locations — its primary Bangalore office spanning three floors at Salarpuria Magnificia on Old Madras Road, and a newer Hyderabad office at Sattva Knowledge Park (Tower 2, Wing B1) opened in 2025 to accommodate growth. The company holds ISO 9001:2015 Quality Management System certification and consecutive Great Place to Work certifications (2018, 2019, 2025-2026). Technology infrastructure centers on mortgage origination systems, customer service platforms, and back-office enterprise systems supporting UK financial services operations; no proprietary AI/ML products or external-facing technology platforms are disclosed.

As an internal captive, OSBI does not sell services to third parties. Its revenue model is intercompany managed services — likely structured as cost-plus or service-agreement pricing between OSBI and the parent OSB Group. GTM is not external; instead, OSBI supports its parent's enterprise sales and customer service motions in the UK market. OSBI's 1,008 employees in India (as of April 2026) represent roughly 42% of OSB Group's total workforce of 2,415, underscoring OSBI's central role in the parent's operating model.

Name

OSBIndia

Legal name

OSB India Private Limited

Website

https://osb-india.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

OSBIndia (OSBI) is a wholly-owned Indian subsidiary of UK-listed OSB Group PLC, founded in 2004 to provide offshore operational support — including mortgage origination, servicing, customer service, IT, finance, and HR — to the parent's six UK financial services brands.

Ownership category

akta.pro rank

Headquarters

HQ city

Bengaluru

HQ country

India

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Operational Service Support: OSBI provides operational service support to OSB Group's UK trading brands including mortgage origination, servicing, savings operations, customer service, IT, finance, HR and legal functions. The company operates as an internal shared services center, likely on a cost-plus or intercompany service agreement basis.

Go-to-market motion1 record

Marketing channels1 record

Core offering

OSBIndia (OSBI) is an offshore subsidiary of OSB Group that provides operational service support to the Group's UK trading brands. Its core work spans mortgage origination and servicing, savings operations, customer service, quality control, IT infrastructure management, product development, compliance, financial crime, risk analytics, regulatory reporting, accounting, and human resource management. It functions as a centralized back-office and shared services center for OSB Group's specialist lending and retail savings brands.

Product overview

OSBIndia (OSBI) is an offshore subsidiary of OSB Group, incorporated in 2004 to provide operational service support to the Group's UK trading brands. Rather than offering a single unified product, OSBI functions as an operational support center delivering services across mortgage origination and servicing, savings operations, customer service, IT infrastructure management, product development, compliance, financial crime, risk analytics, regulatory reporting, finance, and HR. The company supports the OSB Group's portfolio of specialist financial services brands including Precise Mortgages, Charter Savings Bank, Kent Reliance, InterBay, InterBay Asset Finance, Heritable, and KRFI. OSBI operates from offices in Bangalore and Hyderabad, India.

Differentiator

Problem solved

Functional benefit

Products and services

• OSBIndia Operations Support

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Six partnerships are on record, tiered core.

• Precise MortgagescoreOthersOSB Group trading brand for specialist mortgage lending. OSBI provides operational support including mortgage origination, servicing and customer service for this brand.
• Charter Savings BankcoreOthersOSB Group trading brand for retail savings products. OSBI supports savings operations, customer service and related back-office functions.
• KentReliancecoreOthersOSB Group trading brand providing specialist lending and savings products. OSBI provides operational and service delivery support.
• InterBaycoreOthersOSB Group trading brand for commercial and specialist mortgages. OSBI supports mortgage origination and servicing operations.
• InterBay Asset FinancecoreOthersOSB Group trading brand for asset finance solutions. OSBI provides operational support services.
• Heritable Development FinancecoreOthersOSB Group trading brand for residential development finance. OSBI supports operational functions for this brand.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Broad incumbents

• Mphasis: India-headquartered IT services firm with strong UK and US banking client base, including mortgage and lending operations support. Comparable to OSBI in target verticals and delivery from India, with the same leadership talent pool overlapping.
• Genpact: Large third-party BPO and digital transformation provider with deep financial services practice (mortgage, lending, compliance, risk). Comparable to OSBI's functional coverage, but operates on an external, multi-client basis versus OSBI's single-client captive model.
• Tata Consultancy Services (BFS Practice): Global IT and digital services giant with a large Banking and Financial Services practice covering UK retail and commercial banks. Comparable to OSBI in target clients (UK banks) and services (ops, IT, compliance), but at vastly greater scale and breadth.
• Infosys (BFS / Finacle Practice): Global IT services major with a deep Banking and Financial Services practice, including mortgage and retail banking operations support. Comparable to OSBI in functional scope and client base overlap, but as an external vendor rather than captive.
• Wipro (BFS Practice): Global IT and BPO provider with a dedicated Banking and Financial Services practice covering UK retail banks, mortgage servicing, and regulatory reporting. Comparable to OSBI in scope of UK-banking services delivered from India, but as an external vendor.

Direct peers

• Firstsource Solutions: India-listed BPO with a dedicated Banking and Financial Services vertical covering mortgage origination/servicing, customer service, and collections. Highly comparable to OSBI in target process (UK/US mortgage ops) and delivery model from India.
• EXL Service: Operations and analytics BPO with strong banking, mortgage, and insurance practice, delivering from India. Comparable to OSBI in process scope (mortgage, customer service, finance, analytics) and offshore delivery model.
• NatWest Group India (NatWest India): Captive India GCC of NatWest Group, a UK-listed retail and commercial bank, providing technology, operations, and shared services. Closely comparable to OSBI as a UK-bank captive GCC focused on back-office, IT, and risk/compliance support.
• Standard Chartered India (SCB Global Business Services): Captive GCC of Standard Chartered, a UK-listed bank, delivering technology, operations, and shared services from India. Directly comparable as a UK-bank captive GCC supporting multiple geographies and functions, similar in scale and remit to OSBI.
• HSBC India (HSBC Global Resourcing India / HSBC Technology India): Captive GCC of HSBC, a UK-headquartered global bank, providing operations, technology, and shared services from India. Highly comparable to OSBI in model (captive UK bank GCC in India) and scope (operations, IT, finance, compliance support).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/osbi
• Instagraminstagram.com/osbindia

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OSBIndia