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HDB OnTheGo vs L&T Finance PLANET
Side-by-side comparison of HDB OnTheGo 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.
| HDB OnTheGo | L&T Finance PLANET | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | L&T Finance Holdings |
| Category | personal | personal |
| APR range | 25–Upto 25% | 28–Upto 28% |
| Processing fee | Upto 3% | Upto 2.5% |
| Tenure | 12–61 mo | 12–61 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹50,000–₹1,500,000 |
| Our rating | 4.4/5 | 4.3/5 |
| Verdict | Recommended | Recommended |
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
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