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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 HDB OnTheGo Alternatives in 2026
Looking for a personal option that beats HDB OnTheGo on transparency, APR, or processing fees? Here are 5 regulated NBFC alternatives we currently rate higher.
Last reviewed: 2026-06-06
2. ATD Money — Personal Loan
- APR:
- Upto 200%
- Rating:
- 5.0 / 5
- Lender:
- ATD Financial Services Private Limited
- Ticket:
- ₹5,000–₹100,000
3. 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
4. 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
5. 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
Why we reach this verdict on HDB OnTheGo
HDB OnTheGo is operated by HDFC Bank Group, 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, HDB OnTheGo states a ceiling of 25% APR — within the normal band for unsecured digital lending in India, though the processing fee and its GST are what decide the real number on short tenures.
Across our checks we recorded 2 concerns and 4 points in its favour for HDB OnTheGo, listed in full below with what each one means for you as the borrower.
How we verified this alternatives shortlist
- Reviewed by SahiSujhav Editorial. How we score lenders
- Facts on this page were last checked against HDB OnTheGo's own disclosures on 6 June 2026. Lenders change fees without notice — always confirm against the Key Fact Statement you are shown.