Key takeaways: Chola vs HDFC Bank vs Tata Capital
- HDFC Bank advertises the lowest starting car loan rate here, 7.60%, compared with 9% at Chola and 9.49% at Tata Capital.
- HDFC Bank advertises the lowest starting two-wheeler loan rate here, 9.99%, compared with 15% at Chola and 12.50% at Tata Capital.
- All of them publish a numeric starting rate for: car loan and two-wheeler loan. That is the part of this page you can rank like for like.
- No numeric starting rate on the loan provider's own site: Chola for personal loan and home loan. We show "Not published" instead of estimating.
- A starting rate is the best case. Ask each loan provider for its Key Fact Statement and compare the APR and total repayable amount before you choose.
Quick verdict: who each loan provider suits
Built only from figures the loan providers publish. It says where each loan provider is ahead on paper, not who will approve you.
Where Chola stands
No clear edge on the published figures we could compare. Check the product sections below and the Key Fact Statement.
Pick HDFC Bank if you want
- The lower published starting car loan rate (7.60%)
- The lower published starting two-wheeler loan rate (9.99%)
Pick Tata Capital if you want
- The widest range of loan types with a published rate (6)
Chola vs HDFC Bank vs Tata Capital at a glance
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Loan provider type | NBFC | Private bank | NBFC |
| Legal name | Cholamandalam Investment and Finance Company Limited | HDFC Bank Limited | Tata Capital Limited |
| Loan types with a published rate | Car loan, Two-wheeler loan | Personal loan, Home loan, Car loan, Two-wheeler loan | Personal loan, Home loan, Loan against property, Business loan, Car loan, Two-wheeler loan |
| Personal loan: published rate | Not published | Starting from 9.99% | 10.99% to 33% p.a. (APR 10.99% to 45%) |
| Personal loan: maximum tenure | Not published | Not published | 72 months |
| Home loan: published rate | Not published | 8% to 13.45% p.a. | 8.00% to 13% p.a. (salaried); 8.35% to 13% p.a. (self-employed); page also cites 'starting from 7.50%' |
| Home loan: maximum tenure | Not published | Up to 30 years or till retirement age, whichever is lower | 30 years |
| Official website | chola.com | hdfc.bank.in | tatacapital.com |
Searching for Tata Capital vs HDFC Bank vs Chola instead? It is the same comparison, so both open this page.
Chola vs HDFC Bank vs Tata Capital personal loan: rate, fees and tenure
Starting personal loan rates as published: HDFC Bank from 9.99% and Tata Capital from 10.99%. HDFC Bank is lower at the starting rate, but the top of each range and your own credit profile decide what you are offered. Chola has no personal loan terms we could verify on its official site.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | Starting from 9.99% | 10.99% to 33% p.a. (APR 10.99% to 45%) |
| Loan amount | Not published | Up to Rs 50 Lakh | ₹75,000 (EMI calculator range) to ₹35,00,000 (EMI calculator range) |
| Maximum tenure | Not published | Not published | 72 months |
| Processing fee | Not published | Not published | Up to 5% of loan amount + GST |
| Prepayment / foreclosure | Not published | Not published | Part-prepayment: nil up to 25% of disbursed amount; 6.5% within 12 months of first disbursal, 4.5% after |
| Eligibility (as published) | Not published | Not published | No minimum CIBIL stated; 725+ gets better rates, below 700 rates rise |
| Other terms published | Not published |
|
|
| Official source | Not published | hdfc.bank.in/personal-loan | tatacapital.com/personal-loan/rates-and-charges.html |
EMI illustration: ₹5 lakh over 5 years
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| HDFC Bank | 9.99% | ₹10,621 | ₹1,37,264 | ₹6,37,264 |
| Tata Capital | 10.99% | ₹10,869 | ₹1,52,123 | ₹6,52,123 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Personal loan
Chola vs HDFC Bank vs Tata Capital home loan: rate, fees and tenure
Starting home loan rates as published: HDFC Bank from 8% and Tata Capital from 8%. The starting rates match, so processing fees, tenure, prepayment terms and your own credit profile decide which costs less. Chola has no home loan terms we could verify on its official site.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | 8% to 13.45% p.a. | 8.00% to 13% p.a. (salaried); 8.35% to 13% p.a. (self-employed); page also cites 'starting from 7.50%' |
| Rate basis | Not published | Policy Repo Rate + 2.50% to 7.95% | Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally |
| Loan amount | Not published | Rs 1 Lakh (EMI calculator lower bound) to Rs 10 Crore | Rs. 5 lakh to Rs. 7.5 crore (may increase case-by-case) |
| Maximum tenure | Not published | Up to 30 years or till retirement age, whichever is lower | 30 years |
| Processing fee | Not published | Salaried/self-employed professionals: up to 0.50% of loan or Rs 4,000 whichever is higher + taxes | Up to 3% of loan amount + GST |
| Prepayment / foreclosure | Not published | Floating-rate: nil (except business-purpose loans); fixed-rate: 2% + taxes unless prepaid from own sources | No prepayment charge when repaid from own funds; nominal charge if others' funds used |
| Eligibility (as published) | Not published | Salaried or self-employed resident Indian; min income Rs 25,000/month (salaried), Rs 3 lakh/year (self-employed) | CIBIL over 750 gives more competitive rates; age/income not stated |
| Other terms published | Not published |
|
|
| Official source | Not published | homeloans.hdfc.bank.in/housing-loans/home-loans | tatacapital.com/home-loan/rates-and-charges.html |
EMI illustration: ₹50 lakh over 20 years
| Loan provider | Rate used | Monthly EMI | Total interest | Total repayable |
|---|---|---|---|---|
| HDFC Bank | 8% | ₹41,822 | ₹50,37,281 | ₹1,00,37,281 |
| Tata Capital | 8% | ₹41,822 | ₹50,37,281 | ₹1,00,37,281 |
Illustration only, at each loan provider's lowest published rate. It leaves out processing fees, GST, insurance and any other charges, and it is not an offer. Your approved rate may be higher.
Read the full guide: Home loan
Chola vs HDFC Bank vs Tata Capital loan against property: rate, fees and tenure
Only Tata Capital publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. HDFC Bank does not publish a numeric starting rate for this product on its site. Chola has no loan against property terms we could verify on its official site.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | Not published | Floating from 9% p.a.; fixed from 13% p.a.; both up to 17% p.a. |
| Rate basis | Not published | Not published | Floating / fixed options |
| Loan amount | Not published | Up to 65% of property market value (LTV, not an amount cap) | Up to Rs. 10 crore |
| Maximum tenure | Not published | Not published | 20 years |
| Processing fee | Not published | Not published | Up to 3% of sanctioned amount, non-refundable |
| Prepayment / foreclosure | Not published | Not published | Individual non-business use: none. Others: foreclosure 6% of outstanding principal within 12 months, 4% after |
| Eligibility (as published) | Not published | Not published | CIBIL 700+ suggested; not a stated requirement |
| Other terms published | Not published |
|
|
| Official source | Not published | hdfc.bank.in/loan-against-property | tatacapital.com/loan-against-property/rates-and-charges.html |
Read the full guide: Loan against property
Chola vs HDFC Bank vs Tata Capital business loan: rate, fees and tenure
Only Tata Capital publishes a numeric starting rate for this product, so a like-for-like ranking is not possible. HDFC Bank does not publish a numeric starting rate for this product on its site. Chola has no business loan terms we could verify on its official site.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | Not published | Starts at 12% p.a.; self-employed 12% to 30% p.a. |
| Rate basis | Not published | Not published | Primarily floating, linked to RLLR or PLR; fixed in some cases |
| Loan amount | Not published | Up to Rs 75 lakh | Not published |
| Maximum tenure | Not published | Not published | 60 months |
| Processing fee | Not published | Not published | Up to 3% of loan amount + taxes |
| Prepayment / foreclosure | Not published | Not published | Part-prepayment 4.5% of amount prepaid; foreclosure 4.5% of principal outstanding |
| Eligibility (as published) | Not published | Not published | CIBIL about 675+ generally needed |
| Other terms published | Not published |
|
|
| Official source | Not published | hdfc.bank.in/business-loan | tatacapital.com/business-loan/rates-and-charges.html |
Read the full guide: Business loan
Chola vs HDFC Bank vs Tata Capital education loan: rate, fees and tenure
None of these loan providers publishes a plain starting rate for an education loan; some tie the rate to a benchmark and add a spread, which is shown in the table as published. HDFC Bank and Tata Capital do not publish a numeric starting rate for this product on their site. Chola has no education loan terms we could verify on its official site.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Published rate | Not published | Not published | 11.30% p.a. (disbursed on/after 1 May 2024); 11.50% from 1 Sep 2024 |
| Rate basis | Not published | Not published | Reducing balance; fixed/floating not stated |
| Loan amount | Not published | Up to Rs 10 lakh (education in India, per meta description) | ₹200 lakhs (secured); ₹85 lakhs (unsecured) |
| Maximum tenure | Not published | Not published | Up to 15 years |
| Processing fee | Not published | Not published | Up to 2% of loan amount (non-refundable) |
| Prepayment / foreclosure | Not published | Not published | Foreclosure: Nil; part-prepayment: Nil |
| Eligibility (as published) | Not published | Not published | Co-applicant's credit score and income assessed; guarantor usually required for full-time programs |
| Other terms published | Not published | Not published |
|
| Official source | Not published | hdfc.bank.in/education-loan | tatacapital.com/education-loan/rates-and-charges.html |
Read the full guide: Education loan
Chola vs HDFC Bank vs Tata Capital vehicle loans
HDFC Bank advertises the lowest starting car loan rate here, 7.60%, compared with 9% at Chola and 9.49% at Tata Capital. HDFC Bank advertises the lowest starting two-wheeler loan rate here, 9.99%, compared with 15% at Chola and 12.50% at Tata Capital.
| Detail | Chola | HDFC Bank | Tata Capital |
|---|---|---|---|
| Car loan: published rate | 9% - 20% p.a. | 7.60% - 14.00% | From 9.49% p.a. |
| Car loan: maximum tenure | Not published | Up to 7 years | 84 months (product page); rates page calculator shows 72 months |
| Car loan: processing fee | 0.5% - 2.5% + sourcing fee Rs 1,000 - 2,500 | Up to 0.5% of loan (min Rs 3,500, max Rs 8,000) | Up to 2.95% of loan amount |
| Two-wheeler loan: published rate | 15% - 28% p.a. | 9.99% - 25.02% | From 12.5% p.a. |
| Two-wheeler loan: maximum tenure | Not published | Not published | 60 months |
| Two-wheeler loan: processing fee | 0.75% - 5% + sourcing fee Rs 500 - 2,500 | Up to 2.5% of loan, plus documentation charges up to 2.25% | Up to 4% + taxes |
Full vehicle loan comparison for Chola vs HDFC Bank vs Tata Capital (all vehicle types, EMI tables and sources) · Vehicle loans guide
Which is better: Chola, HDFC Bank or Tata Capital?
No loan provider is best for everyone. This is how the published figures split, product by product.
- Car loan, lower starting rate: HDFC Bank (7.60%) versus 9% at Chola and 9.49% at Tata Capital.
- Two-wheeler loan, lower starting rate: HDFC Bank (9.99%) versus 15% at Chola and 12.50% at Tata Capital.
Pick on total cost, not the headline rate: ask each loan provider for the Key Fact Statement and compare the APR and total repayable amount. A low rate with a high processing fee can cost more than a slightly higher rate with no fee. If you already bank with one of them, a salary or relationship account can change the rate you are offered, so ask.
Bank type and how each loan provider sets its rate
Chola and Tata Capital are NBFCs and HDFC Bank is a private bank.
How the loan providers' own pages say their rates are set:
- HDFC Bank home loan: Policy Repo Rate + 2.50% to 7.95%.
- Tata Capital home loan: Fixed and floating options; benchmark (RLLR/MCLR) mentioned generally.
Public sector banks, private banks and non-banking finance companies (NBFCs) price differently. Banks usually link floating rates to the RBI repo rate or their own benchmark and add a spread based on your credit score; NBFCs more often quote a wider range with a higher ceiling and charge higher processing fees. Some publish a range, some only a starting rate and some only a ceiling, which is why this page compares like with like and marks every gap as not published instead of guessing.
About Chola, HDFC Bank and Tata Capital
Chola
NBFC · Cholamandalam Investment and Finance Company Limited
We could not verify personal, home, business, gold, education or property loan terms on this loan provider's website; its vehicle loan terms are compared below.
HDFC Bank
Private bank · HDFC Bank Limited
We found terms for personal loan, home loan, loan against property, business loan, gold loan and education loan on HDFC Bank's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 8% (Home loan)
Tata Capital
NBFC · Tata Capital Limited
We found terms for personal loan, home loan, loan against property, business loan and education loan on Tata Capital's website. Where a rate is missing, the tables on this page say Not published.
Lowest published starting rate on this page: 8% (Home loan)
Explore each loan provider: loans, calculators and more comparisons
Chola
More comparisons
HDFC Bank
More comparisons
Guides: Personal loans · Home loans · Car loan · Car loan EMI calculator · EMI calculators
What to check before you choose a loan provider
- Ask for the Key Fact Statement (KFS). RBI requires loan providers to give you one before you sign, showing the interest rate, all fees, the APR and the total amount you will repay.
- Compare APR, not the headline rate. Processing fee, documentation charges and insurance change the real cost.
- Check the rate basis. A floating rate moves with the loan provider's benchmark; a fixed rate does not. Ask when the rate resets.
- Ask about prepayment and foreclosure. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
- Read the eligibility and documents. Income, credit score, employment type and collateral decide the rate band you land in.
Terms used on this page
Plain meanings of the terms this comparison uses.
Starting rate: The lowest rate a loan provider advertises for a product. Most borrowers are offered a higher rate, because the final rate depends on credit score, income, employer and loan amount.
APR: Annual percentage rate. It adds the processing fee and other charges to the interest rate, so it shows the yearly cost of the loan better than the interest rate alone.
Key Fact Statement: A short summary the loan provider gives you before you sign. It lists the interest rate, every fee, the APR and the total amount you will repay. RBI requires it for retail loans.
Floating rate and repo rate: A floating rate moves with a benchmark, and for banks that is usually the RBI repo rate, the rate at which RBI lends to banks. A fixed rate stays the same for the period you agree.
Processing fee: A one-time charge for handling the application. It is usually a percentage of the loan amount plus GST, and it is often deducted before the money reaches you.
Credit score: A number from 300 to 900 that shows how you have repaid past loans and cards. A higher score usually gets you a lower rate.
Sources, method and last check
Every figure above comes from the loan provider's own website. We checked them on 12 October 2026 (vehicle loan figures on 4 October 2026) and list the pages used.
- Chola: cholamandalam.com/get-new-car-loans · files.cholamandalam.com/files/Interest+Rate+Policy+-+Mar2026.pdf · cholamandalam.com/get-two-wheeler-loans
- HDFC Bank: hdfc.bank.in/personal-loan · homeloans.hdfc.bank.in/housing-loans/home-loans · hdfc.bank.in/loan-against-property · hdfc.bank.in/business-loan · hdfc.bank.in/gold-loan · hdfc.bank.in/education-loan
- Tata Capital: tatacapital.com/personal-loan/rates-and-charges.html · tatacapital.com/home-loan/rates-and-charges.html · tatacapital.com/loan-against-property/rates-and-charges.html · tatacapital.com/business-loan/rates-and-charges.html · tatacapital.com/education-loan/rates-and-charges.html · tatacapital.com/vehicle-loan/car-loan.html
| Loan provider | Official pages opened | Loan types with a published rate | Loan types where rate is not published | Last checked |
|---|---|---|---|---|
| Chola | 3 | 2 | 6 | 12 October 2026 |
| HDFC Bank | 8 | 4 | 4 | 12 October 2026 |
| Tata Capital | 8 | 6 | 2 | 12 October 2026 |
A "not published" count means we opened the loan provider's page for that product and the rate was not shown there, or the loan provider has no such page on its site. If you spot an error, tell us and we will correct it.
Method: we list only figures we could read on the loan provider's official pages. A blank means the loan provider does not publish that figure on the page we checked, and we never estimate one. Rankings use the published starting rate and published maximum tenure only. Read our editorial policy, how we make money and tell us about an error.
More loan provider comparisons
Chola compared with other loan providers (13)
HDFC Bank compared with other loan providers (16)
Tata Capital compared with other loan providers (16)
Head-to-head pages for these three loan providers (3)
Swap one loan provider (2)
Compare any two or three loan providers · Personal loans · Home loans · Vehicle loans
Frequently asked questions
Which is better: Chola, HDFC Bank or Tata Capital?
HDFC Bank advertises the lowest starting car loan rate here, 7.60%, compared with 9% at Chola and 9.49% at Tata Capital. HDFC Bank advertises the lowest starting two-wheeler loan rate here, 9.99%, compared with 15% at Chola and 12.50% at Tata Capital. A starting rate is the best case, not a typical offer, so confirm the annual percentage rate (APR) and total repayable amount in each loan provider's Key Fact Statement. Figures are as published on the loan providers' own websites and checked 12 October 2026. The better choice depends on your profile, the loan type, the amount and the fees in your offer letter.
Tata Capital, HDFC Bank or Chola: which should I pick for a loan?
Order does not change the comparison, so Chola vs HDFC Bank vs Tata Capital and Tata Capital vs HDFC Bank vs Chola are the same page. Start with the loan type you need: the sections above show each loan provider's published rate, fees, tenure and prepayment terms for it, and the lower starting rate is not always the lower total cost.
Which has the lower personal loan interest rate: Chola, HDFC Bank or Tata Capital?
HDFC Bank has the lower published starting rate. Published starting rates: HDFC Bank 9.99% and Tata Capital 10.99% (checked 12 October 2026). Your actual rate depends on your credit profile and the loan provider's approval.
What is the personal loan processing fee at Chola, HDFC Bank and Tata Capital?
Chola: not published. HDFC Bank: not published. Tata Capital: Up to 5% of loan amount + GST. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the home loan processing fee at Chola, HDFC Bank and Tata Capital?
Chola: not published. HDFC Bank: Salaried/self-employed professionals: up to 0.50% of loan or Rs 4,000 whichever is higher + taxes. Tata Capital: Up to 3% of loan amount + GST. Fees can change and GST is usually extra, so check the Key Fact Statement.
What is the maximum home loan tenure at Chola, HDFC Bank and Tata Capital?
Chola: not published. HDFC Bank: up to 30 years or till retirement age, whichever is lower. Tata Capital: 30 years.
How much personal loan can I get from Chola, HDFC Bank and Tata Capital?
Chola: not published. HDFC Bank: Up to Rs 50 Lakh. Tata Capital: ₹75,000 (EMI calculator range) to ₹35,00,000 (EMI calculator range). The loan provider decides the final amount from your income, credit score and existing obligations.
What is the EMI on a ₹5 lakh personal loan at Chola, HDFC Bank and Tata Capital?
Over 5 years at each loan provider's lowest published rate: HDFC Bank about ₹10,621 a month at 9.99%; Tata Capital about ₹10,869 a month at 10.99%. An illustration that leaves out fees, GST and insurance; your offered rate may be higher.
What is the EMI on a ₹50 lakh home loan at Chola, HDFC Bank and Tata Capital?
Over 20 years at each loan provider's lowest published rate: HDFC Bank about ₹41,822 a month at 8%; Tata Capital about ₹41,822 a month at 8%. An illustration that leaves out fees, GST and insurance; your offered rate may be higher.
Can I prepay or foreclose a home loan early at Chola, HDFC Bank and Tata Capital?
Chola: not published. HDFC Bank: Floating-rate: nil (except business-purpose loans); fixed-rate: 2% + taxes unless prepaid from own sources. Tata Capital: No prepayment charge when repaid from own funds; nominal charge if others' funds used. Floating-rate loans to individuals cannot carry pre-closure charges; fixed-rate loans often do.
Which loans do Chola, HDFC Bank and Tata Capital publish rates for?
Chola: no numeric starting rate found outside vehicle loans. HDFC Bank: personal loan, home loan. Tata Capital: personal loan, home loan, loan against property, business loan. Based on each loan provider's own website, checked 12 October 2026.
Which is better for a car loan: Chola, HDFC Bank or Tata Capital?
HDFC Bank advertises the lowest starting car loan rate here, 7.60%, compared with 9% at Chola and 9.49% at Tata Capital. See the full vehicle loan comparison for tenure, fees and EMI tables.
Are Chola, HDFC Bank and Tata Capital regulated by the RBI?
HDFC Bank is a bank regulated by the Reserve Bank of India (RBI); Chola and Tata Capital are non-banking finance companies registered with and regulated by the RBI. Check a loan provider's registration on the RBI website before you apply, and apply only through its official channels.
How do I compare Chola, HDFC Bank and Tata Capital on real cost, not just the rate?
Ask each loan provider for its Key Fact Statement, then compare three numbers: the APR, the total amount you repay and the fees charged upfront, such as processing fee, documentation charge and insurance. The loan with the lower APR and the lower total repayment is the cheaper one, even when its headline rate looks higher.
Does my credit score change the rate at Chola, HDFC Bank and Tata Capital?
Yes. Loan providers keep their lowest published rate for borrowers with a strong credit score, usually 750 and above, and steady income. A lower score or a short work history usually means a higher rate, a higher processing fee or a smaller loan amount.
Are the rates on this page the rate I will get?
No. They are the rates the loan providers publish, usually a range or a starting rate. Your approved rate depends on your credit score, income, loan amount, tenure and, for secured loans, the asset. Always read the Key Fact Statement before you sign.
Does KhatuLoans lend money or charge for this comparison?
KhatuLoans is not a loan provider. The loan provider decides approval, rate and terms. Our comparisons are free to read, and we are not paid by the loan providers named here to rank them. See how we make money on our advertiser disclosure page.
KhatuLoans is not a loan provider and is not paid by the loan providers named here to rank them. Rates, fees and eligibility change; always confirm with the loan provider. Read our editorial policy and how we make money.