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FatakPay vs Shriram One
Side-by-side comparison of FatakPay and Shriram One on real APR, processing fees, RBI status, and red flags. Both reviewed independently by SahiSujhav — we don't take money from lenders.
| FatakPay | Shriram One | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | FDPL Finance Pvt Ltd (primary) + Atmos Finance + others | Shriram Group |
| Category | personal | personal |
| APR range | Upto 150% | Upto 30% |
| Processing fee | Upto 8% | Upto 3% |
| Tenure | 1–3 mo | 12–61 mo |
| Ticket size | ₹1,000–₹50,000 | ₹50,000–₹1,500,000 |
| Our rating | 4.4/5 | 4.2/5 |
| Verdict | Caution | Recommended |
FatakPay
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16
Shriram One
Good
- Upper Layer NBFC under RBI SBR
- 3,000+ branches
- Listed on NSE/BSE
- Strong rural/semi-urban presence
Watch out
- APR can hit 36% for thin-file/SE customers
- PF + GST stacks on disbursal
Last reviewed: 2026-06-06