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HDB OnTheGo vs Poonawalla Fincorp
Side-by-side comparison of HDB OnTheGo and Poonawalla Fincorp on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| HDB OnTheGo | Poonawalla Fincorp | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | Poonawalla Fincorp Ltd |
| Category | personal | personal |
| APR range | 25–Upto 25% | 27–Upto 27% |
| Processing fee | Upto 3% | Upto 2.5% |
| Tenure | 12–61 mo | 12–73 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹100,000–₹5,000,000 |
| Our rating | 4.4/5 | 4.4/5 |
| 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
Poonawalla Fincorp
Good
- RBI-registered NBFC (Middle Layer)
- Promoter-backed by Cyrus Poonawalla group
- Paperless KYC + e-sign agreement
- No collateral required
Watch out
- PF 2.5% + GST
- Late payment penalty up to 4%/month on overdue
Last reviewed: 2026-06-06