Short answer: Bajaj Finance offers up to 108 months; Navi, Poonawalla, Aditya Birla Capital, ICICI Bank and SBI up to 84; and KreditBee, Moneyview and Kissht up to 60. A longer tenure lowers the EMI but raises total interest.
Last verified: 12 October 2026 from each lender’s official website and, where marked, its Google Play listing. FundsTiger does not rank lenders; tables are sorted by the figure in question, and the right choice is the one with the lowest APR you are actually offered.
| App or lender | Maximum tenure | Tenure as stated | Starting rate |
|---|---|---|---|
| Bajaj Finance | 108 months | 12 to 108 months | 10% to 30.5% a year |
| Navi | 84 months | Up to 84 months (finserv page); up to 72 months (blog) | Up to 29.96% a year |
| Poonawalla Fincorp | 84 months | 12 to 84 months | From 9.99% a year |
| Aditya Birla Capital | 84 months | 1 to 7 years (calculator range) | From 10.99% a year |
| ICICI Bank | 84 months | 12 to 84 months | From 9.99% a year |
| SBI | 84 months | 6 to 84 months | 10% to 15% a year |
| L&T Finance | 72 months | 12 to 72 months | From 10.5% a year |
| Tata Capital | 72 months | Up to 6 years | From 10.99% a year |
| Kotak Mahindra Bank | 72 months | 12 to 72 months | From 10.99% a year |
| KreditBee | 60 months | 3 to 60 months | 12% to 27.5% a year |
| Moneyview | 60 months | 3 to 60 months | From 14% a year |
| Kissht | 60 months | 6 to 60 months | From 1% a month |
| PaySense | 60 months | 3 to 60 months | 1.4% to 2.3% a month |
| InCred | 60 months | 12 to 60 months | APR 14% to 48% |
| IDFC FIRST Bank | 60 months | 9 to 60 months | From 9.99% a year |
EMI vs total interest
| Tenure | EMI on ₹3 lakh at 14% | Total interest |
|---|---|---|
| 24 months | ₹14,404 | ₹45,693 |
| 36 months | ₹10,253 | ₹69,118 |
| 60 months | ₹6,980 | ₹1,18,829 |
| 84 months | ₹5,622 | ₹1,72,248 |
Compare them side by side
KreditBee vs Moneyview · Moneyview vs Fibe · KreditBee vs Fibe · Kissht vs KreditBee · PaySense vs Moneyview · Bajaj Finance vs Tata Capital · Tata Capital vs Poonawalla Fincorp · Poonawalla Fincorp vs Bajaj Finance · InCred vs Moneyview · True Balance vs KreditBee · mPokket vs KreditBee · LazyPay vs Kissht · All comparisons
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Should I choose the longest tenure?
Only if you need the lower EMI. Pick the shortest tenure whose EMI fits comfortably, and prepay when you can.
Can I shorten the tenure later?
Yes, by part-prepaying, if your lender allows it. Check part-payment rules and charges.
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.