%20scale(0.09049,-0.09049)'%20d='M103%201298%20191%201493H1325L1239%201298H923Q955%201242%20967%201168H1325L1239%20973H962Q945%20896%20902%20838Q830%20743%20686%20698Q765%20680%20828%20616Q891%20552%20954%20424L1163%200H753L571%20371Q516%20483%20459.5%20524.0Q403%20565%20309%20565H159V831H362Q483%20831%20536%20898Q562%20931%20575%20973H103L191%201168H572Q559%201205%20536%201234Q483%201298%20362%201298Z'%20fill='%23FFFFFF'/%3e%3ccircle%20cx='390.83'%20cy='161.76'%20r='43.80'%20fill='%230B5FFF'/%3e%3cpath%20d='M%20371.12%20161.76%20L%20388.64%20179.28%20L%20412.73%20142.05'%20fill='none'%20stroke='%23FFFFFF'%20stroke-width='9.64'%20stroke-linecap='round'%20stroke-linejoin='round'/%3e%3c/svg%3e)
HDB OnTheGo vs Tata Capital
Side-by-side comparison of HDB OnTheGo 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.
| HDB OnTheGo | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | Tata Capital Ltd |
| Category | personal | personal |
| APR range | 25–Upto 25% | 23–Upto 23% |
| Processing fee | Upto 3% | Upto 2.75% |
| Tenure | 12–61 mo | 12–73 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹75,000–₹3,500,000 |
| Our rating | 4.4/5 | 4.5/5 |
| 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
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