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Navi vs Tata Capital
Side-by-side comparison of Navi 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.
| Navi | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Navi Finserv Ltd (NBFC) | Tata Capital Ltd |
| Category | personal | personal |
| APR range | Upto 40% | Upto 23% |
| Processing fee | Upto 5% | Upto 2.75% |
| Tenure | 6–72 mo | 12–73 mo |
| Ticket size | ₹10,000–₹2,000,000 | ₹75,000–₹3,500,000 |
| Our rating | 4.2/5 | 4.5/5 |
| Verdict | Recommended | Recommended |
Navi
Good
- RBI-licensed NBFC, public financials
- No contact-list permission
- Foreclosure with zero/low charges
Watch out
- Top-end APR can climb past 40% for thin-file borrowers
Last reviewed: 2026-05-09
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