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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 Tata Capital Alternatives in 2026
Looking for a personal option that beats Tata Capital 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. 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 Tata Capital
Tata Capital is operated by Tata Capital Ltd, 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, Tata Capital states a ceiling of 23% 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 Tata Capital, 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 Tata Capital's own disclosures on 6 June 2026. Lenders change fees without notice — always confirm against the Key Fact Statement you are shown.