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ATD Money — Personal Loan vs Tata Capital
Side-by-side comparison of ATD Money — Personal Loan and Tata Capital on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| ATD Money — Personal Loan | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | ATD Financial Services Private Limited | Tata Capital Ltd |
| Category | personal | personal |
| APR range | Upto 200% | Upto 23% |
| Processing fee | Upto 10% | Upto 2.75% |
| Tenure | 3–12 mo | 12–73 mo |
| Ticket size | ₹5,000–₹100,000 | ₹75,000–₹3,500,000 |
| Our rating | 5/5 | 4.5/5 |
| Verdict | Caution | Recommended |
ATD Money — Personal Loan
Last reviewed: 2026-09-13
Tata Capital
Good
- Tata Sons backing — Upper Layer NBFC under RBI scale-based regulation
- 100% digital KFS + agreement
- Prepayment allowed after 6 EMIs
- No contacts/photos permission
Watch out
- Processing fee up to 2.75% + GST
- Prepayment charge applies inside lock-in
Last reviewed: 2026-06-06