%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)
L&T Finance PLANET vs Viva Money
Side-by-side comparison of L&T Finance PLANET 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.
| L&T Finance PLANET | Viva Money | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | L&T Finance Holdings | Fincfriends Pvt Ltd (RBI-registered NBFC partner) |
| Category | personal | instant |
| APR range | 28–Upto 28% | 200–Upto 200% |
| Processing fee | Upto 2.5% | Upto 10% |
| Tenure | 12–61 mo | 1–3 mo |
| Ticket size | ₹50,000–₹1,500,000 | ₹1,000–₹50,000 |
| Our rating | 4.3/5 | 4.3/5 |
| Verdict | Recommended | Caution |
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
Viva Money
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16