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AEON Credit vs Chola Finance
Side-by-side comparison of AEON Credit and Chola Finance on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| AEON Credit | Chola Finance | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Datta Finance and Trading Private Limited | Murugappa Group |
| Category | personal | personal |
| APR range | Upto 30% | Upto 28% |
| Processing fee | Upto 1% | Upto 3% |
| Tenure | 3–15 mo | 12–61 mo |
| Ticket size | ₹10,000–₹500,000 | ₹50,000–₹2,500,000 |
| Our rating | 8/5 | 4.3/5 |
| Verdict | Recommended | Recommended |
AEON Credit
Last reviewed: 2026-09-13
Chola Finance
Good
- Upper Layer NBFC, AA+ rated
- Murugappa Group governance
- Pan-India branch network
- Listed on NSE/BSE
Watch out
- PF up to 3% + GST
- Foreclosure charges apply inside lock-in
Last reviewed: 2026-06-27