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Personal Loan Interest Rates

Personal loan interest rates at Fullerton India start from 10.99% for salaried customers. However, the actual interest rate will depend on a variety of factors, including the company’s policy at the time of application as well as the customer’s profile and requirements. At Fullerton India, we offer competitive personal loan interest rates to suit the needs of every customer.

Customer type Rates
Salaried / Self Employed 10.99 - 40% (depending on several factors including location, net income, employment or business stability, existing monthly obligations, etc.)

Please refer to the policy and charges before applying for a personal loan online.


Personal Loan Fees & Charges

Here’s a table of Fees and Charges 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/NACH dishonoured Charges
(per dishonour of cheque/ECS/NACH 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 Personal Loan Salaried Personal Loan Self Employed
Within 6 months from the Agreement Date Not Allowed Not Allowed
Within 7 months to 17 months from the Agreement Date 7.00% 7.00%
Within 18 months to 23 months from the Agreement Date 5.00% 5.00%
Within 24 months to 35 months from the Agreement Date 3.00% 3.00%
After 36 months from the Agreement Date 0 0
*Additional Interest (applicable for payment defaults): Personal Loan Salaried
For loans below INR 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
(for both salaried and self-employed Personal Loans).
***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)

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