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 11.99% - 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.

Check Your Eligibility   Calculate EMI  

Reasons to buy

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

Wedding Expenses

Higher Studies

Exotic Vacations

Hobbies

 

FAQs

How to apply for a personal loan at Fullerton India?

Here are the ways in which you can apply for a personal loan at Fullerton India:

  1. Apply Online on our website
    1. Click on the “Apply now” button on the top right of this page and select “Personal Loans”.
    2. Select “Salaried” or “Self-employed” as applicable, and provide your mobile number. 
    3. You will receive an OTP on the mobile number provided. Enter the OTP and click submit
    4. Enter details as requested.
    5. Upload documents as requested.
    6. Click on “Submit”
  2. Download the Fullerton India Instaloan App – This is available on Google PlayStore as well as App store. Please note that only salaried applicants can apply for a personal loan using this app
  3. Go to the “Contact Us” page on our website, and select “No”, if you are not an existing customer. Enter your name, mobile number and email id. Select “New loan application” and “Require New Loan” from the dropdowns provided. You will be redirected to our online personal loan application page.
  4. Call us on  1800 103 6001 to talk to a representative anytime between 9:00 AM – 7:00 PM. We are available on all days except for Sundays, the fourth Saturday of every month and public holidays.
  5. If you prefer interacting face to face, walk into your nearest Fullerton India branch. Our representatives will be happy to guide you.
     

How do I track the status of my personal loan application?

After submitting your application online, based on the information provided by you, a quick eligibility check will be conducted. If you match our criteria, then your application gets accepted and you will be given a tracking ID for reference. Using this ID, you can track the status of your application as it goes through the various checks and verifications by visiting our Track Application tool and following these steps:

  1. Enter the tracking ID
  2. Enter your mobile number (this should be the same one as that provided in your application)
  3. You will be sent an OTP. Enter the same as indicated.
  4. Your application status will be displayed.
     

What is the personal loan process for self-employed applicants?

Applications from self-employed customers will also be subjected to the same process as salaried customers. This involves

  1. Submission of application
  2. Eligibility check based on information provided
  3. Fullerton India representative to contact the applicant to cross check requirements and request for any additional/missing documents if needed
  4. Verification of information based on documentation provided
  5. Loan agreement to be shared with customer and consent to be provided
  6. Loan sanctioned post customer consent
  7. Pickup of physical copies of document
  8. Amount disbursed to customer’s bank account.
     

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.

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.