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Bajaj Finserv vs Mahindra Finance
Side-by-side comparison of Bajaj Finserv and Mahindra 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 | Mahindra Finance | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Bajaj Finserv Ltd | Mahindra Group |
| Category | personal | personal |
| APR range | 28–Upto 28% | 15–Upto 34% |
| Processing fee | Upto 5% | Upto 3% |
| Tenure | 3–61 mo | 12–61 mo |
| Ticket size | ₹10,000–₹500,000 | ₹50,000–₹1,000,000 |
| Our rating | 5/5 | 4.2/5 |
| 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
Mahindra Finance
Good
- Upper Layer NBFC under RBI SBR
- Mahindra Group governance
- 1,300+ branches
- Listed on NSE/BSE
Watch out
- APR up to 34% for rural/thin-file borrowers
- PF + GST on disbursal
Last reviewed: 2026-06-06