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L&T Finance PLANET vs Tata Capital
Side-by-side comparison of L&T Finance PLANET 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.
| L&T Finance PLANET | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | L&T Finance Holdings | Tata Capital Ltd |
| Category | personal | personal |
| APR range | 28–Upto 28% | 23–Upto 23% |
| Processing fee | Upto 2.5% | Upto 2.75% |
| Tenure | 12–61 mo | 12–73 mo |
| Ticket size | ₹50,000–₹1,500,000 | ₹75,000–₹3,500,000 |
| Our rating | 4.3/5 | 4.5/5 |
| Verdict | Recommended | Recommended |
L&T Finance PLANET
Good
- Upper Layer NBFC under SBR
- L&T parentage
- 100% digital onboarding
- No collateral
Watch out
- PF up to 2.5% + GST
- Late charges 24% p.a. on overdue
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