Personal Loan in Pondicherry

Get your Personal Loan Approved in Minutes

Fullerton India, one of India’s reputed NBFCs offers Personal Loan in Pondicherry to eligible applicants upto INR 25 lakhs* at attractive interest rates starting from 11.99% per annum and flexible repayment tenures between 12 to 60 months. A French colony until 1954, Pondicherry has its own rich historical and cultural importance. Famous for beaches, the place is thronged by hundreds and thousands of tourists from all over the world. The place charms every kind of visitor.

Focusing on tourism, many different kinds of businesses have come up in the recent past, helping to generate good income for locals and create employment. If you are looking to grow your business or are looking for funds to meet some of your financial requirements, you can consider taking a personal loan from Fullerton India - we provide end-to-end digital services to our customers.

To know the process of how to apply for an online personal loan in Pondicherry with Fullerton India, read below.

Steps to Apply for Personal Loan in Pondicherry

At Fullerton India, the digital loan platform helps users to apply for a personal loan online and the entire process is managed digitally. To apply,

Visit Fullertonindia.com and click on “Apply Now” on the page
Enter your phone number and OTP to complete the initial registration
Fill out your personal details as prompted by the system
Enter the personal loan amount with the repayment tenure in the respective field
Enter your employment, income & bank details
Upload the documents mentioned on the online application form
Submit the form.

Based on your application, eligibility will be determined and you may be provided an in-principal approval instantly, following which your application will be processed further. A representative from Fullerton India will get in touch with you to complete the remaining processes.

Alternatively, you can also visit your nearest Fullerton India branch to apply for a personal loan offline.

Fees and Charges for Personal Loan

At Fullerton India, the personal loan interest rate starts from 11.99% per annum . The final interest rate on the personal loan offered depends on various factors such as your eligibility, credit score, income, and our policy at the time of loan application. Other charges include processing fees ranging between 0-6% of the loan amount.

You can choose between a fixed or floating interest rate structure based on convenience and applicability.

Documents Required for Personal Loan

Digital copies of the following documents are needed while applying for a personal loan online:

PAN Card
Proof of Identity (AADHAAR, Passport, etc)
Proof of Address (utility bill, Passport, etc.) including employment address
Bank statement for the last six months
Last three months' salary slip
Latest Form 16 or Income Tax Return

If you are a self-employed professional, you need to provide income proof, business proof, financials of your business, and the last two years' Income Tax returns.

Eligibility for Personal Loan in Pondicherry

You need to meet the following eligibility criteria for getting a personal loan:

Must be of minimum 21 years of age and maximum of 65 years at the time loan matures
Must be a Resident Indian citizen
A salaried employee of a well-established private limited company or public sector undertaking
The minimum monthly income should be Rs 20,000
Minimum work experience of 1 year with at least 6 months in the current organization
Minimum CIBIL score of 750 and above

To manage your personal loan responsibly, use the personal loan calculator that will help you to calculate the right EMI amount and loan tenure according to your finances. Use a personal loan eligibility calculator to estimate the maximum amount you can borrow. Ensuring that your total existing EMIs do not exceed 30 to 40% of your net monthly income goes a long way towards improving eligibility.