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HDB OnTheGo vs PaySense
Side-by-side comparison of HDB OnTheGo and PaySense on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| HDB OnTheGo | PaySense | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | LSP of PayU Credit Pvt Ltd |
| Category | personal | instant |
| APR range | 25–Upto 25% | 48–Upto 48% |
| Processing fee | Upto 3% | Upto 5% |
| Tenure | 12–61 mo | 3–61 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹0–₹0 |
| Our rating | 4.4/5 | 5/5 |
| Verdict | Recommended | Caution |
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
PaySense
Good
- RBI-registered
- Longer tenures available
Watch out
- Top-up loan nudges
Last reviewed: 2026-05-08