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Business Loan Interest Rates

Borrowing for your business is always a positive step that can help you move faster. Whether it is boosting cash flow, stocking inventory, working capital needs, we have it all covered with custom interest rates and EMIs that suit you to a tee. With Fullerton India’s customised offerings and affordable solutions, you can be rest assured that your finances are in good hands.

Business Loan interest rates are of 2 types – diminishing and flat. A diminishing rate of interest means that you pay reducing EMIs as you proceed along the loan tenure, since the interest only applies on the outstanding principal amount. On the other hand, a flat rate of interest is a fixed sum that will need to be repaid as EMIs throughout your loan tenure. To understand this better, we recommend you to speak with our team to plan your Business Loan based on your current finances and needs.

Fullerton India offers affordable Business Loans solutions. When you apply for a loan online, a complete assessment of your business profile and needs will be carried out. Depending on your requirement, credit history, income statements, bank documents, financial health of your business, and various other factors including Fullerton India’s policy at the time of application, the best possible rate of interest will be calculated and offered to you. Your Business Loan will also depend on the number of years your business has been in operation, and the purpose of borrowing.

You can connect with our customer service representative at the nearest branch to know more about the applicable business loan interest rate for your enterprise. You can also contact us on phone, mail or chat.

We offer some of the lowest rates on business loan products. To know more, please view Our Policy page.

Customer type Interest Rates
Proprietor / LLP/ Pvt Ltd / Partnership / Public Ltd 13-21% (depending on several factors including location, net income, business stability,collaterals, existing monthly obligations, etc.)

Business Loans Fees & Charges

Here’s a table of Fees and Charges for Fullerton India Business Loans to help you understand the same in detail

Fee Type Applicable Charges
Delayed EMI Payment Interest
( per month of delay, every month)
As stated under additional interest charge**
Collection of Cheque/Cash
(per collection)
300
Cheque /ECS dishonoured Charges
(per dishonour of cheque/ECS per presentation)
30
Swap Charges- for replacement of Post-dated cheques to ECS
(per instance)
500
Swap Charges- for replacement of ECS to ECS
(per instance)
500
Loan Cancellation charges
(loan cancelled before first EMI)
1000
Processing Fees Up to 6.5% of the Loan Amount
Foreclosure Charges  
Within 6 months from the Agreement Date 0.04%
Within 7 months to 12 months from the Agreement Date 0.04%
Within 13 months to 24 months from the Agreement Date 0.04%
Within 25 months to 60 months from the Agreement Date 0.03%
Within 61 months to 84 months from the Agreement Date 0.03%
After 84 months from the Agreement Date 0.03%
*Additional Interest (applicable for payment defaults): Rate
For loans below `5 Cr An amount not exceeding zero point seven (0.7) per cent per annum
For loans exceeding `5 Cr An amount not exceeding zero point five (0.5) per cent per annum On the Principal amounts outstanding under the Loan payable from the relevant due date until the date of actual payment / rectification of default.
**Additional Interest
(applicable for payment defaults)
0.75% per month on the outstanding principal loan amount
***Additional Interest
(applicable for payment defaults)
An amount not exceeding zero point five(0.5) per cent per annum on the Principal amounts outstanding under the Loan payable from the relevant due date until the date of actual payment / rectification of default.
Rate of interest conversion fee An amount not exceeding one per cent (1%) of the loan amount
sanctioned ( Loan Against Property/LRD)

*Terms and Conditions apply

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