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HDB OnTheGo Review
HDFC Bank Group
HDFC Bank subsidiary NBFC with branch-led personal loans up to ₹20L.
Red flags
- •PF up to 3% + GST
- •APR ceiling 30% for thin-file borrowers
Green flags
- •Upper Layer NBFC under RBI SBR
- •HDFC Bank parentage
- •1,600+ branches across India
- •AAA-rated debt
Permissions demanded
Data practices
Customer data handled per HDFC Group privacy + RBI DLG.
Recovery practices
In-house collections under RBI FPC; grievance officer at customer.service@hdbfs.com
Sources & references
Grievance & support
- Grievance redressalhttps://www.hdbfs.com/customer-services/grievance-redressal-process
- Support / helpdeskgro@hdbfs.com
Contact details published by the lender. If unresolved within 30 days, escalate via RBI Sachet.
Disclaimer: Reviews are independent editorial assessments based on publicly available information and user-submitted complaints. APR ranges and fees can change — always check the lender's Key Fact Statement before borrowing. Not financial or legal advice.
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Frequently asked questions about HDB OnTheGo
Is HDB OnTheGo RBI-registered?
HDB OnTheGo is operated by HDFC Bank Group. Its RBI status: RBI-regulated NBFC. Always verify the parent lender directly on the RBI NBFC list before borrowing.
What is the real APR on HDB OnTheGo?
HDB OnTheGo charges an APR between 25% and 25% per annum with a processing fee of up to 3%. After fees and GST, the effective APR on short tenures can be significantly higher than the headline rate.
Is HDB OnTheGo safe to use?
HDFC Bank subsidiary NBFC with branch-led personal loans up to ₹20L. Permissions demanded: Camera (KYC), SMS (OTP), Location (optional). Recovery practices: In-house collections under RBI FPC; grievance officer at customer.service@hdbfs.com.
What loan amount and tenure does HDB OnTheGo offer?
Ticket size ranges from ₹50,000 to ₹20,00,000, with tenure between 12 and 61 months.
How do I close my HDB OnTheGo loan early?
Open the app, request a foreclosure quote in writing, and pay the principal + accrued interest. Demand the No Dues Certificate (NDC) within 7 working days — RBI mandates it. If HDB OnTheGo refuses or harasses you, file a complaint on the RBI Sachet portal.