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Chola Finance vs Poonawalla Fincorp
Side-by-side comparison of Chola Finance and Poonawalla Fincorp on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| Chola Finance | Poonawalla Fincorp | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Murugappa Group | Poonawalla Fincorp Ltd |
| Category | personal | personal |
| APR range | 12–Upto 28% | 27–Upto 27% |
| Processing fee | Upto 3% | Upto 2.5% |
| Tenure | 12–61 mo | 12–73 mo |
| Ticket size | ₹50,000–₹2,500,000 | ₹100,000–₹5,000,000 |
| Our rating | 4.3/5 | 4.4/5 |
| Verdict | Recommended | Recommended |
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
Poonawalla Fincorp
Good
- RBI-registered NBFC (Middle Layer)
- Promoter-backed by Cyrus Poonawalla group
- Paperless KYC + e-sign agreement
- No collateral required
Watch out
- PF 2.5% + GST
- Late payment penalty up to 4%/month on overdue
Last reviewed: 2026-06-06