Instant Personal Loan

Fullerton India’s personal loan serves multiple purposes, and is easily available for both salaried and self-employed individuals. Life can throw up a surprise anytime. And if these surprises are about unforeseen expenses, then we have your needs covered with an instant personal loan. We believe in your dreams, and stand by you when you need to meet a large, unexpected expense. Fullerton India’s Personal loan serves multiple purposes, so you can use the funds for any need. For instance, you can get a personal loan to finance a wedding, travel, child’s education, vacation, medical emergency, any big-ticket purchase, home repair and even for debt consolidation.

We offer a flexible loan amount to bring in timely and necessary financial aid. You can borrow up to Rs. 25 lakhs, with flexible repayment tenures up to 60 months. Our competitive interest rates make the loan affordable and easy to repay in EMIs. At Fullerton India, you will receive sufficient support to meet your financial requirements within minutes. Read to know more about the features and benefits of this borrowing facility.

Features & Benefits of Personal Loan

Our personal loans online have several benefits for self-employed and salaried applicants. With online disbursal of loan amounts up to INR 25 lakhs*, flexible repayment tenures, reasonable interest rates, and other facilities, this product is best suited for planned and unplanned expenses. You can get a personal loan within 30 minutes* of loan approval.

Personal loans up to Rs. 25 Lakh* - Do you need funds urgently? You have our support. At Fullerton India, you can borrow up to Rs. 25 lakhs*. Your loan amount eligibility depends on a number of factors, including your age, net monthly income, existing financial obligations, etc. Apply online today  to know more about the maximum amount you can borrow.

Flexible and Attractive Interest Rates - The starting rate is 12.99% for salaried and self-employed individuals with a maximum limit of 36%. Apply online today, and get your profile evaluated by us. We determine the best personal loan interest rates that will be suited to your individual profile, along with your loan requirement.

Hassle-free documentation process - Our loan procedure is totally paperless if you apply online. No heavy paperwork involved at all. You can get in touch with us for a complete list of documentation. Apply instantly from anywhere by simply uploading a soft-copy of the required documents along with the loan application form duly filled.

Quick disbursal - Fullerton India’s online application process gives you an instant decision on personal loan application. Our customer support team will respond within 30 minutes and keep you updated on the loan application’s current status. After all checks are performed, the approved loan amount will be credited to your bank account within 30 minutes of approval.

Additional benefits for existing customers - Our existing customers can expect additional benefits. Since we will have your KYC documents already, the documentation will be minimal. Also, you can expect a quicker response, preferential personal loan interest rate, flexible terms, and special offers from our end. So, contact us, and know about the amazing surprises we have in store for you!
For whatever lies ahead, we are right behind you!
* Terms and conditions apply

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Personal Loan Eligibility

The eligibility criteria for personal loans at Fullerton India include:

  • The applicant must be a resident citizen of India.
  • Should either be an employee of a private limited company or public sector undertaking, or be gainfully self-employed.
  • Must be between 21 and 60 years of age Further, the minimum income of the applicant should be:
  • For Salaried Professionals:
    • `25,000/Month: if residing in Mumbai or Delhi
    • `20,000/Month: if residing in the rest of India
  • For Self Employed: The minimum yearly profit after tax set based on profession/industry

To calculate your eligibility, you can use our personal loan eligibility calculator.

Documents Required for Personal Loan

The documents required for availing a personal loan from Fullerton India include:

  1. Duly filled and signed application form
  2. Proof of identity
  3. Proof of address
  4. Proof of age
  5. Salary slips for the last three months (for salaried)
  6. Bank statement for the last six months
  7. Income tax returns or form 16
  8. Proof of Income / financial statements (for self-employed)


What is a Personal Loan?

A personal loan is a loan that is taken by a customer from a lending institution like a bank or an NBFC without offering any guarantee or collateral. The customer is free to use this amount for any purpose - like financing a dream holiday, organising wedding expenses, for medical emergencies, and so on. An interest is charged on the loan amount (or principal), and the customer needs to repay the lender the principal amount, the interest amount as well as processing fees as applicable. The customer can do so in equal, pre-determined amounts paid monthly (also known as EMI) over a period of 12 - 60 months (or loan tenure).

How can I apply for a Personal Loan?

You can apply for an instant personal loan online with Fullerton India by clicking the "Apply Now" button on the top left corner. If you prefer a personal touch, please feel free to walk into any of our branches - our team would be happy to assist you.

How can I get a Personal loan instantly?

To get a personal loan instantly from Fullerton India, please click on the "Apply now" button on the top left corner. This will take you to a page in which you will be asked to enter your information as well as upload documents like PAN card, income proof, etc. On completion of this form, you will be given an instant approval online, after which a customer service representative will get in touch with you. Subject to availability of documents as well as company policy at the time of loan application, if your application gets approved, you can get the approved funds in your bank account within 24 hours.

How can I get approved for a Personal Loan?

Personal Loan approval depends on how well you fit within certain pre-defined criteria. This includes details like a valid PAN card, CIBIL score, location, monthly income (for salaried customers) or yearly profit after tax (for self employed customers) and existing monthly obligations (including existing credit card EMIs). For more details, please visit our personal loan eligibility page. To know the personal loan amount you are eligibile for, please try our free personal loan eligibility calculator

Why should you choose Fullerton India Personal Loan?

At Fullerton India, we value the dreams of each and every customer. We understand your needs, and strive towards providing you with the best possible solution that is tailored to your unique situation. Choose Fullerton India Personal Loan for

1. Instant online approval
2. Competitive Interest rates starting at 12.99%
3. Flexible repayment tenure between 12 - 60 months
4. Hassle free process
5. Minimal documentation

Can I foreclose or prepay my Personal Loan?

Yes, you may repay your personal loan amount at any point in time during the loan tenure by following the process below. Please note that foreclosure will be subject to foreclosure fees and charges.

1. You can place a formal foreclosure request by speaking with our customer service representative via phone or at a branch, email, or by raising a request through customer service portal / mobile app.
2. After your request is received, you will be given an estimated date by which you will be given a foreclosure ID.
3. After receiving the foreclosure ID, you can visit the nearest Fullerton India branch for making the payment.
4. This completes the process. You will be given an acknowledgement of the payment and foreclosure after this.

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. You will also be eligible for a pre-qualified top-up loan on the outstanding principal amount*. Please get in touch with our customer care or drop in to 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 withdraw cash, the interest rates on the withdrawal can be considerably higher. These rates can reach up to 36 percent on an annual basis depending on the type of credit card you have. You will also need to pay for transaction charges levied on withdrawals from ATMs. An instant personal loan from Fullerton India is an affordable option that comes with flexible repayment timelines to ensure that the costs are minimal. Overall, personal loans ensure a predictable and fixed repayment plan and are beneficial tools for availing credit.

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

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