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HDB OnTheGo vs Navi
Side-by-side comparison of HDB OnTheGo and Navi on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| HDB OnTheGo | Navi | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | Navi Finserv Ltd (NBFC) |
| Category | personal | personal |
| APR range | Upto 25% | Upto 40% |
| Processing fee | Upto 3% | Upto 5% |
| Tenure | 12–61 mo | 6–72 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹10,000–₹2,000,000 |
| Our rating | 4.4/5 | 4.2/5 |
| 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
Navi
Good
- RBI-licensed NBFC, public financials
- No contact-list permission
- Foreclosure with zero/low charges
Watch out
- Top-end APR can climb past 40% for thin-file borrowers
Last reviewed: 2026-05-09