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FatakPay vs HDB OnTheGo
Side-by-side comparison of FatakPay and HDB OnTheGo on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| FatakPay | HDB OnTheGo | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | FDPL Finance Pvt Ltd (primary) + Atmos Finance + others | HDFC Bank Group |
| Category | personal | personal |
| APR range | 150–Upto 150% | 25–Upto 25% |
| Processing fee | Upto 8% | Upto 3% |
| Tenure | 1–3 mo | 12–61 mo |
| Ticket size | ₹1,000–₹50,000 | ₹50,000–₹2,000,000 |
| Our rating | 4.4/5 | 4.4/5 |
| Verdict | Caution | Recommended |
FatakPay
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16
HDB OnTheGo
Good
- Upper Layer NBFC under RBI SBR
- HDFC Bank parentage
- 1,600+ branches across India
- AAA-rated debt
Watch out
- PF up to 3% + GST
- APR ceiling 30% for thin-file borrowers
Last reviewed: 2026-06-06