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Bajaj Finserv vs Chola Finance
Side-by-side comparison of Bajaj Finserv 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.
| Bajaj Finserv | Chola Finance | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Bajaj Finserv Ltd | Murugappa Group |
| Category | personal | personal |
| APR range | 28–Upto 28% | 12–Upto 28% |
| Processing fee | Upto 5% | Upto 3% |
| Tenure | 3–61 mo | 12–61 mo |
| Ticket size | ₹10,000–₹500,000 | ₹50,000–₹2,500,000 |
| Our rating | 5/5 | 4.3/5 |
| Verdict | Recommended | Recommended |
Bajaj Finserv
Good
- Largest listed NBFC
- Strong grievance redressal
- Clear documentation
Watch out
- Cross-sell pressure (insurance, EMI cards)
Last reviewed: 2026-06-06
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: 2026-06-06