# Global Analytics India Pvt

> Global Analytics India Private Limited is the Indian subsidiary of US-based GAIN Credit. Its teams in Chennai and Noida develop analytics, technology and customer experience capabilities for the group’s UK lending products, including Lending Stream and Drafty. The wider group also operates the free financial-support platform Afforda and guarantor-loan brand Tutu.

- **Founded:** 2003
- **Headquarters:** Chennai, India
- **Products:** Credit-risk analytics and underwriting support, Lending technology and customer experience, Lending Stream (group brand), Drafty Flex (group brand), Drafty Loan (group product)
- **Notable:** Indian entity incorporated on 31 December 2003., Great Place To Work lists India’s Best Workplaces for Women recognition for 2022 and 2023., Great Place To Work lists India’s Great Mid-size Workplaces recognition for 2022.

## Products & services

- **Credit-risk analytics and underwriting support** — Indian subsidiary capabilities supporting the parent group’s risk models and credit decisions.
- **Lending technology and customer experience** — Platforms, data capabilities and customer journeys supporting GAIN Credit’s UK products.
- **Lending Stream (group brand)** — UK online short-term instalment lending; the group issued its first UK loan under this brand in 2008. Operated by GAIN Credit LLC.
- **Drafty Flex (group brand)** — Reusable UK credit line with a published limit of £50-£3,000 and representative APR of 96.2% variable when researched.
- **Drafty Loan (group product)** — UK personal loan; published range £1,000-£3,000 with 18- or 24-month terms and representative APR of 79.9% when researched.
- **Afforda (group brand)** — Free benefits checks, support information, discounts and credit options; acts as a credit broker rather than a lender.
- **Tutu (group brand)** — Guarantor loans for people with thin or impaired credit histories; the group dates launch to 2026.

## Achievements

- Indian entity incorporated on 31 December 2003.
- Great Place To Work lists India’s Best Workplaces for Women recognition for 2022 and 2023.
- Great Place To Work lists India’s Great Mid-size Workplaces recognition for 2022.
- Parent group reports more than one million customers helped cumulatively.
- Parent group included in the FCA’s first AI Live Testing cohort, announced December 2025.

## Latest updates

- **2026-10** — The parent website lists Tutu among its brands and dates its entry into guarantor lending to 2026; October is the observation month, not a verified launch month.
- **2025-12** — FCA names GAIN Credit in its first AI Live Testing cohort.
- **2025-05** — LoanTube partnership introduces group products to its marketplace.
- **2024-07** — Parent group announces a Waterfall facility of up to £100 million.

## Links

- Website: https://gaincredit.com/
- LinkedIn: https://www.linkedin.com/company/global-analytics/
- Twitter/X: https://twitter.com/world_analytics

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Profile page: https://yespress.io/global-analytics-india-pvt
Published by YesPress — https://yespress.io
Last updated: 2026-10-25