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HDB OnTheGo vs Viva Money
Side-by-side comparison of HDB OnTheGo and Viva Money on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| HDB OnTheGo | Viva Money | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | HDFC Bank Group | Fincfriends Pvt Ltd (RBI-registered NBFC partner) |
| Category | personal | instant |
| APR range | 25–Upto 25% | 200–Upto 200% |
| Processing fee | Upto 3% | Upto 10% |
| Tenure | 12–61 mo | 1–3 mo |
| Ticket size | ₹50,000–₹2,000,000 | ₹1,000–₹50,000 |
| Our rating | 4.4/5 | 4.3/5 |
| 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
Viva Money
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16