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ATD Money — Personal Loan vs iMuthoot Muthoot Finance Loans
Side-by-side comparison of ATD Money — Personal Loan and iMuthoot Muthoot Finance Loans on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| ATD Money — Personal Loan | iMuthoot Muthoot Finance Loans | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | ATD Financial Services Private Limited | Muthoot Finance Ltd |
| Category | personal | personal |
| APR range | Upto 200% | Upto 30% |
| Processing fee | Upto 10% | Upto 2.5% |
| Tenure | 3–12 mo | 3–61 mo |
| Ticket size | ₹5,000–₹100,000 | ₹50,000–₹1,500,000 |
| Our rating | 5/5 | 4.3/5 |
| Verdict | Caution | Recommended |
ATD Money — Personal Loan
Last reviewed: 2026-09-13
iMuthoot Muthoot Finance Loans
Good
- RBI-registered NBFC (N-16.00167)
- Branch network for in-person KYC
- Transparent KFS issued before disbursal
- Listed on NSE/BSE — public financials
Watch out
- Higher APR ceiling (up to 30%) for low CIBIL bands
- Processing fee + GST stacks on disbursal
Last reviewed: 2026-06-06