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FatakPay vs L&T Finance PLANET
Side-by-side comparison of FatakPay and L&T Finance PLANET on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| FatakPay | L&T Finance PLANET | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | FDPL Finance Pvt Ltd (primary) + Atmos Finance + others | L&T Finance Holdings |
| Category | personal | personal |
| APR range | 150–Upto 150% | 28–Upto 28% |
| Processing fee | Upto 8% | Upto 2.5% |
| Tenure | 1–3 mo | 12–61 mo |
| Ticket size | ₹1,000–₹50,000 | ₹50,000–₹1,500,000 |
| Our rating | 4.4/5 | 4.3/5 |
| 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
L&T Finance PLANET
Good
- Upper Layer NBFC under SBR
- L&T parentage
- 100% digital onboarding
- No collateral
Watch out
- PF up to 2.5% + GST
- Late charges 24% p.a. on overdue
Last reviewed: 2026-06-06