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1. 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
Best Chola Finance Alternatives in 2026
Looking for a personal option that beats Chola Finance on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-06-27
2. 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
3. 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
4. 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
5. HDB OnTheGo
HDFC Bank subsidiary NBFC with branch-led personal loans up to ₹20L.
- APR:
- Upto 25%
- Rating:
- 4.4 / 5
- Lender:
- HDFC Bank Group
- Ticket:
- ₹50,000–₹2,000,000