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FatakPay vs Tata Capital
Side-by-side comparison of FatakPay and Tata Capital on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| FatakPay | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | FDPL Finance Pvt Ltd (primary) + Atmos Finance + others | Tata Capital Ltd |
| Category | personal | personal |
| APR range | 150–Upto 150% | 23–Upto 23% |
| Processing fee | Upto 8% | Upto 2.75% |
| Tenure | 1–3 mo | 12–73 mo |
| Ticket size | ₹1,000–₹50,000 | ₹75,000–₹3,500,000 |
| Our rating | 4.4/5 | 4.5/5 |
| 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
Tata Capital
Good
- Tata Sons backing — Upper Layer NBFC under RBI scale-based regulation
- 100% digital KFS + agreement
- Prepayment allowed after 6 EMIs
- No contacts/photos permission
Watch out
- Processing fee up to 2.75% + GST
- Prepayment charge applies inside lock-in
Last reviewed: 2026-06-06