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Poonawalla Fincorp vs Tata Capital
Side-by-side comparison of Poonawalla Fincorp 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.
| Poonawalla Fincorp | Tata Capital | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Poonawalla Fincorp Ltd | Tata Capital Ltd |
| Category | personal | personal |
| APR range | 27–Upto 27% | 23–Upto 23% |
| Processing fee | Upto 2.5% | Upto 2.75% |
| Tenure | 12–73 mo | 12–73 mo |
| Ticket size | ₹100,000–₹5,000,000 | ₹75,000–₹3,500,000 |
| Our rating | 4.4/5 | 4.5/5 |
| Verdict | Recommended | Recommended |
Poonawalla Fincorp
Good
- RBI-registered NBFC (Middle Layer)
- Promoter-backed by Cyrus Poonawalla group
- Paperless KYC + e-sign agreement
- No collateral required
Watch out
- PF 2.5% + GST
- Late payment penalty up to 4%/month 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