Personal Loans
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Personal Loans

At Fullerton India, we want to make sure that your life goals become a reality.

In this endeavour, we offer competitive interest rates, transparent procedures, and simplicity in account management.

Our seamless process helps you access repayment solutions for any kind of personal need, such as remodelling and renovating your home, financing your dream wedding, paying for medical emergencies, and more. We use unrivaled service and tech each day to bring personal loan solutions to high-potential individuals - like you.

Our transparent procedures ensure that you always know what you pay. Moreover, our instant personal loan offerings are inherently flexible so that you stress less about your finances and focus more on achieving your life goals.

With Fullerton India, you can be assured of expert guidance and support on phone, email, and chat. Currently, we are successfully serving nearly 3 million customers across the country and helping them in their journey for their life’s biggest moments.


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At Fullerton India

Our values are built into the core of our products. We are constantly driven by the needs of those who matter the most: our clients.

We listen to you all the time. We tailor make our personal loan products to our customers’ needs and build solutions that are simple to use and come with no hidden fees. We use empathy and data to understand your requirements and build unrivaled offerings.

We take privacy seriously. We are committed to ensuring security and privacy and hold ourselves to the highest standards in this journey.

Ready to apply for an instant personal loan online? Join the thousands of others who have achieved their financial goals with us.

Advantages of Personal loan

We know that selecting the right personal loan product is an important decision and work tirelessly to exceed your expectations. The instant personal loan from Fullerton India offers a simple solution to all your financial needs. Whether you are looking at consolidating debt or dealing with an unexpected expense, we help you right when you need it the most.

We offer unmatched personal loan benefits and features with minimal documentation requirements, flexible repayment tenures, quick loan disbursals, and competitive rates.

We ensure a personal touch in all our services.


Personal loans up to INR 25 Lakh* - An instant personal loan to help you easily plan for expected and unexpected expenses

Flexible and Attractive Interest Rates - We take time to ask questions, listen, and suggest the right loan option for you. Our products offer a customised and competitive personal loan interest rate and fixed monthly payments.

Hassle-free documentation process - Instant and paperless, we ensure a hassle-free documentation procedure for our clients, and provide expert guidance at every step of the way

Quick disbursal - Instant personal loan online within 30 minutes* of approval

Additional benefits for existing customers - Experience a host of other benefits and facilities such as easy top-up*, digital query servicing and flexible repayment tenures up to 60 months.

For whatever is ahead, Fullerton India is equipped to help you.
* Terms and conditions apply

FAQs

General

What are the advantages of being an existing customer with Fullerton India?

As an existing customer, you will receive additional benefits on the processing period and interest rates. Also, you will be eligible for a pre-qualified top-up loan on the outstanding principal amount.* Please get in touch with our customer care service or walk into our nearest branch to know more.

What are the advantages of a personal loan over a ‘cash advance’ on a credit card?

While you can use your credit card to access funds, the interest rates on the withdrawal can be considerably higher. These rates can reach up to 40 percent on an annual basis depending on the type of credit card. You will also need to endure transaction charges levied on withdrawals from ATMs. An instant personal loan from Fullerton India is an affordable option that comes with flexible repayment options to ensure that the costs are minimal. Overall, personal loans ensure a predictable and fixed repayment plan and are beneficial tools for building credit.

Can I foreclose or prepay the personal loan amount?

Yes, you may repay your personal loan amount at any point in time during the loan tenure**.

Interest rates

At what rate of interest will I get the loan?

Fullerton India offers competitively priced personal loans to suit every customer’s needs. The personal loan interest rate is calculated based on several factors including your income source, employment or business stability, and existing monthly obligations.

To know more, please check the “Interest Rates” section on our page. You can also get in touch with a customer care representative or email us at namaste@fullertonindia.com to know more.

Eligibility Criteria

What is the maximum personal loan amount that I can avail?

With our flexible personal loan products, you can avail up to INR 20 Lakh* as a salaried professional and INR 30 Lakh* as a self-employed person. Your eligibility for the loan is calculated on various parameters including your current income. You can use the personal loan eligibility calculator or talk to one of our loan experts over the phone or on chat to know more on the eligibility criteria.

What is the minimum and maximum loan tenure that I can avail?

You can access an instant personal loan online with a repayment tenure between 24 and 60 months.

Personal Loan EMI Calculator

What is an EMI?

An Equated Monthly Installment or EMI is a fixed amount paid to the lender on a specified date every month. The payments are used to cover the interest and principal amount due for the month. By paying these EMIs over a specified number of months, you can pay off your debt in full without an overwhelming financial burden.

How much do I need to pay every month?

After you submit the personal loan application, our team will calculate your EMI (Equated Monthly Installment) on the basis of the loan amount, interest rate, and repayment tenure. You can also use the personal loan EMI calculator on our website to get a better understanding.

Documentation

What are the documents that will be required for a personal loan application?

Basic documents for personal loan application such as your photograph, PAN copy, address proof, income or salary statements, form 16, etc are common across all customers. However, documentation requirements vary with customer profile. Thus, depending on whether you are salaried or self-employed, you may need to submit different kinds of documents. To know more, please check the “Documentation” section on our website.

You can also apply online for a personal loan, and upload all the required documentation as prompted by the online form.

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

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How can we help?

Get in Touch

Have a query? You can contact us through any of the channels listed below.


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



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