At Fullerton India, we offer personal loans to facilitate your personal needs and help you with furthering your dreams and aspirations. You can take a personal loan to organise a dream vacation for your family, fund wedding expenses, manage medical emergencies, , to repay another loan and for many other reasons. Fullerton India’s process for personal loans is simple, completely digital, and involves quick decisioning so as to meet your requirements on time.

Step1: Check the Eligibility Criteria

  • Minimum age to apply is 21 years of age, not exceeding 65 years at the time of loan closure
  • You must be a Indian resident and citizen
  • You must have the necessary documents required for the personal loan along with the duly filled and signed application form

Here you can check personal loan eligibility in detail.

Step 2: Check Interest Rates and Other Charges

The interest rates offered by Fullerton India vary based on the borrower's creditworthiness, amount and tenure of the loan and other factors. It ranges from 12.99% - 36%*. Along with interest rates, there is a processing fee for a personal loan. To know more, please visit personal loan interest rates page.

Step 3: Calculate your EMI

EMI calculators help to calculate the monthly EMI to be paid on the loan. This calculation depends on the total loan amount, interest rate and tenure.

You may use personal loan EMI calculator for instant calculation.

Step 4: Check Required Documents

  • Recent passport-sized photographs
  • Completed personal loan application form
  • Age proof (Passport/PAN card/Certificate from a statutory authority)
  • Identity proof (Driving license/voter ID card/Passport/PAN card)
  • Address proof (Telephone bill/electricity bill/Passport/driving license/ration card/rental agreement/bank statement or passbook)
  • Salary slips/proofs of the last 3 months or bank passbook/statement of the last 6 months
  • Form 16
  • Income tax returns
  • Processing fee cheque

Step 5: Fill Application Form Online

At Fullerton India, you can apply for a personal loan online or offline. Walk into our nearest branch office for a free consultation and guidance on the ideal funding option for your needs. Or, you may choose to apply online on our website and get instant approval for funds. Remember to keep a soft-copy of all the documents required for personal loan ready for upload in case of an online application.

  1. Visit the online loan application page, select the appropriate option depending on whether you are salaried or self employed.
  2. Next, you will be taken to an online form. Enter your mobile number correctly. You will receive a 6 digit OTP - please enter this in the textbox provided on the website.
  3. Please enter your personal details as requested on the online form page. Click “Next”.
  4. Please enter your employment details as requested in the next step.
  5. Please enter your bank details as requested in the next step.
  6. Upload scanned copies of documents
  7. Click “Submit”. Within a few seconds, you will be informed if you are approved for the loan.
  8. Our customer care representative will get in touch with you for further information as your application goes through various checks.
  9. After final loan approval, your account will be credited with the sanctioned amount within 30 minutes*.

Step 6: Wait for Loan Approval

Fullerton will process the personal loan application. Then a representative will be assigned to you who further take care of the procedure. Once after theverification of documents, the loan will be granted. Compared to other types of loans, the personal loan approval process is quite easy as long as the documents are valid.

Reasons to buy

You can take our personal loan for a variety of reasons.

Wedding Expenses

Higher Studies

Exotic Vacations


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What is self-employed personal loan?

A self employed personal loan is a specially designed personal finance product exclusively for self employed customers. You could be a professional (such as a doctor, a chartered accountant or a consultant) with your own registered practice, or could operate as an independent contractor.

Can I get a personal loan if I'm Self Employed?

Fullerton India offers unsecured self employed personal loans up to INR 10 lakhs. However, the amount may vary depending on your individual profile and the company's policy at the time of loan application. To know more, apply now or contact us today

Can I get a personal loan without proof of income?

To get a personal loan, proof of income documents such as audited financial statements, income tax returns, form 16, etc are necessary, as well as your bank statements. However, to get a personal loan without proof of income, you can choose to apply with a family member who has income proof. However, please note that in such cases, the loan will be in the name of the person who has income proofs, and the same person will be help responsible for making the repayment.

How do I apply for a Personal Loan for self-employed?

If you are self employed, you can apply for an instant personal loan online with Fullerton India by clicking Apply Now. Alternately, you can also speak with a customer care representative, download our mobile app, or visit your nearest Fullerton India branch.

What is the eligibility for a Personal Loan for self-employed?

Personal loan eligibility for self employed customers will depend on factors such as
1. Yearly profit after taxes
2. Existing monthly obligation (including credit card debt),
3. Your financial position (based on bank statements)
4. Creditworthiness (determined by CIBIL score)
5. Location
6. Age
7. Fullerton India's policy at the time of loan application.

To know more, please contact us for a telephonic conversation with a Fullerton India representative, or visit your nearest Fullerton India branch.

What is the tenure of a Personal Loan for self-employed?

For self employed customers, the minimum tenure of a personal loan is 12 months, and the maximum tenure is 60 months. You can enjoy the benefits of our flexible repayment scheme to choose a loan tenure between 12 & 60 months that suits your requirements

What is the online approval process for a self-employed personal loan?

"For a self employed personal loan online -
1. Apply Online
2. You will be asked to enter certain information pertaining to your personal information (including address), the nature of your business, income statements of the past 2 years, total no. of years in operation, PAN number, etc.
3. You will also be asked to upload supporting documents.
4. After your application is complete, various parameters will be checked with the organisation's policies at the time of loan application.
5. You will then be informed whether or not you are eligible for a Fullerton India personal loan.

If you are eligible, your documents will be checked for authenticity. If all checks are completed successfully, your loan will get approved. At any point, if you face any difficulty, you can call us and get assistance from a representative of Fullerton India."

What is the maximum loan amount you can get when you apply for a self-employed personal loan?

Self employed customers can get unsecured personal loans from Fullerton India of upto INR 10 lakhs. However, the amount may go up to even INR 30 lakhs if you are a self employed professional and match certain criteria.

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Customer Experiences

Mr. Mahendra Kothari

M/S Divya Textiles

I have had a very fulfilling experience with Fullerton India. Right from the time when I had taken the loan; to any information I required, the executives have always responded promptly and have resolved my queries.

Ms. Deepamala Gorwani

M/S Manan Agency

While taking a loan from Fullerton India, sales executive collected all the required documents in one go and I received the loan amount on time. This was quite contrary to my previous experiences of taking up loans from other companies.