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Poonawalla Fincorp vs Viva Money
Side-by-side comparison of Poonawalla Fincorp 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.
| Poonawalla Fincorp | Viva Money | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Poonawalla Fincorp Ltd | Fincfriends Pvt Ltd (RBI-registered NBFC partner) |
| Category | personal | instant |
| APR range | 27–Upto 27% | 200–Upto 200% |
| Processing fee | Upto 2.5% | Upto 10% |
| Tenure | 12–73 mo | 1–3 mo |
| Ticket size | ₹100,000–₹5,000,000 | ₹1,000–₹50,000 |
| Our rating | 4.4/5 | 4.3/5 |
| Verdict | Recommended | Caution |
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
Viva Money
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16