Personal Loan

1. Enter your mobile number correctly and then enter the OTP that is sent to your number on the online form.
2. Provide us a few details as prompted in the loan application form.
3. Upload the required documents such as income proof, PAN Card, etc.
4. Click on “Submit”. You will be instantly informed whether or not you are eligible.
5. Once your loan request is approved, your application will go through several other stages of checks. Our representative will get in touch with you through these stages in case any additional information is needed.
6. Post loan approval, you can get the funds credited to your bank account within 30 minutes*

You can apply for loan online with Fullerton India by clicking the "Apply Now" button on the top right corner.

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 eligibility page.

Below is the eligibility criteria

1. You should be a residing citizen of India.
2. You should be between 21 – 60 years of age
3. You should have valid documentation as per stated requirements

To know more, please see our detailed personal loan eligibility criteria. You can also use our free-of-cost eligibility calculator to know the loan amount you can borrow.

Fullerton India personal loan calculator is an easy tool that can help you accurately calculate the EMI amount.

1. Enter the loan amount that you wish to borrow
2. Enter the interest rate between 11.99% – 36%
3. Select repayment tenure.

The instant result on the right side of the calculator will tell you the monthly EMI.

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 to get the following benefits:

1. Instant online approval
2. Competitive interest rates starting at 11.99%*
3. Flexible repayment tenure between 12 - 60 months
4. Hassle-free process
5. Minimal documentation

We, at Fullerton India, strive to serve customers from every corner of India. With our wide network of physical branches and online loan application facilities, we wish to bring you the best loan offers that are perfected for your every need. To find the closest branch in your city, click Fullerton India branches, and select your state and city from the dropdown lists provided. You will then get the details of the branches present in the selected city.

You can definitely foreclose your personal loan. We do not apply foreclosure charges on floating rate term loans provided to individual borrowers. However, you cannot foreclose the loan until the full payment of the initial 6 EMIs. The foreclosure charges are

• 7% after full payment of 7 to 17 EMIs
• 5% after full payment of 18 to 23 EMIs
• 3% after full payment of 24 to 35 EMIs, and
• 0% after full payment of 36 or more EMIs

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*.

The interest rate on a personal loan is a lot lower than that for a cash advance on a credit card. Rates for credit card cash advance can go as high as 36%. There are no additional charges on the withdrawal of a personal loan, unlike the transaction charges on withdrawal of cash advance from ATMs.

A CIBIL score of 750 and above is considered to be healthy and can help in your loan being approved without hassle.

To check the status of your application, visit the official website of your loan provider, select the ‘Contact Us’ option on the homepage, select the option to track your loan application. This option will lead you to the page where you can check the status of your loan application. Enter the details asked for and obtain the required information.

How much you can borrow in the form of a personal loan is determined by various factors that include age, residence, ongoing loans etc. You use our free personal loan eligibility calculator to obtain an estimate of the loan amount you can borrow.

You can choose to submit the required documents online by uploading soft copies or walk into the branch and submit the hard copies. For customers of Fullerton India who have applied for a personal loan online, you can now also send your documents via Whatsapp.