Personal Loan Interest Rates

Our personal loan interest rates are flexible - starting from 12.99% for salaried customers The actual interest rate depends on a variety of factors, including our policy at the time of application as well as the customer's profile and requirements. At Fullerton India, we assure the best in value for personal loan interest rates to match all needs of our customers, at different stages of life.

Customer type Rates
Salaried / Self Employed 12.99 - 36% (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)
Cheque /ECS/NACH dishonoured Charges
(per dishonour of cheque/ECS/NACH per presentation)
Swap Charges- for replacement of Post-dated cheques to ECS
(per instance)
Swap Charges- for replacement of ECS to ECS
(per instance)
Loan Cancellation charges
(loan cancelled before first EMI)
Processing Fees Up to 3% of the Loan Amount
*Foreclosure charges/ pre-payment penalties shall not be charged on all floating rate term loans sanctioned to individual borrowers
Foreclosure Charges Personal Loan Salaried Personal Loan Self Employed
0 to 6 EMIs fully paid Not Allowed Not Allowed
7 to 17 EMIs fully paid 7% 7%
18 to 23 EMIs fully paid 5% 5%
24 to 35 EMIs fully paid 3% 3%
36 or more EMIs fully paid 0% 0%
**Additional Interest (applicable for payment defaults): Rate
**Additional Interest (applicable for payment defaults) 2% of overdue EMI per month calculated on a daily basis for both salaried and self employed personal loans
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Have a query? You can contact us through any of the channels listed below.

Toll Free Number
Alternate Text
1800 103 6001 Timings: 9:00 AM to 7:00 PM on all days (except Sundays and public holidays).
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