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Tata Capital vs Viva Money
Side-by-side comparison of Tata Capital 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.
| Tata Capital | Viva Money | |
|---|---|---|
| RBI status | regulated | regulated |
| Parent lender | Tata Capital Ltd | Fincfriends Pvt Ltd (RBI-registered NBFC partner) |
| Category | personal | instant |
| APR range | 23–Upto 23% | 200–Upto 200% |
| Processing fee | Upto 2.75% | Upto 10% |
| Tenure | 12–73 mo | 1–3 mo |
| Ticket size | ₹75,000–₹3,500,000 | ₹1,000–₹50,000 |
| Our rating | 4.5/5 | 4.3/5 |
| Verdict | Recommended | Caution |
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
Viva Money
Watch out
- Reported APR exceeds 100% — predatory range
- Verify NBFC partner directly with RBI before applying
Last reviewed: 2026-05-16