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1. AEON Credit
Salaried & self-employed retail consumers; merchant network 1,000+ (Mumbai focus, expanding)
- APR:
- Upto 30%
- Rating:
- 8.0 / 5
- Lender:
- Datta Finance and Trading Private Limited
- Ticket:
- ₹10,000–₹500,000
Best ATD Money — Personal Loan Alternatives in 2026
Looking for a personal option that beats ATD Money — Personal Loan on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-09-13
2. Bajaj Finserv
Established NBFC. Cleanest documentation in the category, lowest harassment-complaint share.
- APR:
- Upto 28%
- Rating:
- 5.0 / 5
- Lender:
- Bajaj Finserv Ltd
- Ticket:
- ₹10,000–₹500,000
3. Tata Capital
Tata group NBFC with end-to-end digital personal loans at 11.5–23% APR.
- APR:
- Upto 23%
- Rating:
- 4.5 / 5
- Lender:
- Tata Capital Ltd
- Ticket:
- ₹75,000–₹3,500,000
4. Aditya Birla Capital – Finance
Aditya Birla Group NBFC offering personal loans up to ₹50L at 12–28% APR.
- APR:
- Upto 28%
- Rating:
- 4.4 / 5
- Lender:
- Aditya Birla Capital Ltd
- Ticket:
- ₹50,000–₹5,000,000
5. FatakPay
FatakPay Digital Pvt Ltd is LSP; loans up to ₹5L
- APR:
- Upto 150%
- Rating:
- 4.4 / 5
- Lender:
- FDPL Finance Pvt Ltd (primary) + Atmos Finance + others
- Ticket:
- ₹1,000–₹50,000
Why we reach this verdict on ATD Money — Personal Loan
ATD Money — Personal Loan is operated by ATD Financial Services Private Limited, which holds its own RBI registration. That matters concretely: the Fair Practices Code, the Digital Lending Guidelines (2022) and the RBI Ombudsman scheme all apply to your loan, so you have a named regulator to escalate to if anything goes wrong.
On cost, ATD Money — Personal Loan states a ceiling of 200% APR. That is far above the 10–24% a bank or credit card charges, which means it should only ever be a days-to-weeks bridge, never a way to fund a shortfall you cannot clear next month.
How we verified this alternatives shortlist
- Reviewed by the SahiSujhav lending desk against our published scoring methodology.
- Facts on this page were last checked against ATD Money — Personal Loan's own disclosures on 13 September 2026. Lenders change fees without notice — always confirm against the Key Fact Statement you are shown.