Calculate Personal Loan EMI

12 Months
36 Months
60 Months

Assuming annual interest rate of 11.99

Calculated EMI*   6,642  Apply For Personal Loan

Loans Upto ` 25 Lakh*

Quick Disbursal

Minimal Documentation

Flexible Tenure

Personal Loan

Fullerton India offers personal loans at low interest rates to eligible borrowers . Our online application process enables salaried individuals to apply for a personal loan from the comfort of their homes. Our customised solutions and transparent procedures have enabled us to serve millions of customers across India. Here are a few of the benefits of a Fullerton India Personal Loan:

  • One can apply for a personal loan online with a 100% paperless process.
  • Collateral free loans at affordable rates, with minimal documentation and flexible repayment tenures
  • One can use the funds obtained through a personal loan for any purpose, including home improvement, wedding arrangements, business requirements (for self-employed), family vacation, debt consolidation, or medical emergency.

Interest rates:

Starting from 11.99%

Loan limit:

Up to INR 25 lakhs*

Loan tenure:

12 months to 60 months

Processing fees:

0% to 6% of the loan amount

Features & Benefits of Personal Loan


Loans up to ` 25 Lakh*


Attractive Interest Rates


100% Paperless Application Process


Quick Disbursal


Additional Benefits for Existing Customers

Documents Required 

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)

For more details, check out our personal loan documents page.

Personal Loan Eligibility 

  • Age


    Age between 21 to 60 years**

  • Employment


    Salaried or Self-employed

  • Minimum Income

    Minimum Income

    Minimum Salary – INR 20,000 - 25,000**

  • Credit Score

    Credit Score

    750 or above, with good credit history

  • Nationality


    Resident Indian

  • Work Experience

    Work Experience

    Overall work experience of 1+ years

**Please note that these are just the basic eligibility criteria. Actual eligibility will be determined based on several parameters including Fullerton India’s policy at the time of loan application.

Note: Salaried residents of Mumbai or Delhi: 25,000 per month, Salaried residents of any other Indian City: 20,000 per month
For self-employed individuals, eligibility income will be as per minimum annual turnover, depending on nature of industry / profession

Interest Rates & Charges 

Fullerton India offers competitive interest rates on all its quick personal loans. The personal loan interest rates are determined by a number of factors like credit score, age of applicant, employer, repayment capacity, previous relationship with our company, and occupation. Apart from interest rates, there are minimum processing fees and prepayment charges that are nominal in nature.

Interest rates: Starting from only 11.99%* per annum

Processing fees: Upto 6% of loan amount.

Prepayment charges: Upto 7%* of loan amount.

Personal Loan Needs 

An instant personal loan can be of several uses. Here are the top 6:

  • Personal Loan for Medical Emergencies: Get a Personal loan if you need a lump sum amount of cash urgently for an unexpected medical emergency, or to manage medical expenses that may not be covered by insurance.
  • Personal Loan for Used Cars: A Personal loan can help you buy a second-hand car for your family that comes up with low interest rates and a flexible tenure
  • Personal Loan for Debt Consolidation: If you are struggling with multiple unsecured loans, then using a personal loan to combine all of them into a single loan is a much smarter option.
  • Personal Loan for Higher Education: Professionals seeking to upgrade their skills with certification courses or part-time courses can achieve their academic dreams with an online personal loan.
  • Personal Loan for Wedding: Enjoy the best day of your life with a personal loan to finance the arrangements or your dream honeymoon.
  • Personal Loan for Home Renovation: Give your home a new look by redesigning it, upgrading the appliances or furniture – finance your plans with a personal loan from Fullerton India.

How to Apply 

4 Easy Steps To Apply Personal Loan Online

  • User Information

    Enter phone number and OTP

    Verify your mobile number

  • Personal details

    Enter your personal details

    Enter personal, bank, income and PAN details

  • Loan details

    Provide loan details

    Select loan amount and tenure

  • Upload documents

    Upload documents

    Upload relevant documents

Why Choose Fullerton India for Personal Loan?










600* TOWNS



*As on 30th September, 2022
Calculate Emi
Calculate EMI  Calculate Emi


How do I Use Fullerton India Personal Loan EMI Calculator?

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% per annum
  3. Select repayment tenure.

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

Will the documents be submitted online or offline?

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.

Can I foreclose or prepay my Personal Loan?

You can definitely foreclose your personal loan. We do not apply foreclosure charges on floating rate term loans provided to individual borrowers. The foreclosure charges are

  • 7% after full payment of 0 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

Why should you choose Fullerton India?

Choose Fullerton India Personal Loans for the following benefits:

  1. Loans upto ` 25 lakhs* depending on eligibility
  2. Attractive interest rates
  3. Flexible repayment tenures between 12-60 months
  4. Digital process of application
  5. Useful tools such as EMI Calculator, Eligibility Calculator and Amortization Calculator to plan your loan better

To check the status of your personal loan 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.

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

As a Fullerton India customer, you can enjoy various benefits such as:

1. Track your application status online
2. Manage your loan online through our Service Connect Portal and M-Connect app
3. Pay your EMI online digitally via NetBanking, Debit card, etc. or by signing up for the ECS / auto-debit facility.
4. Eligible borrowers can get top-up offers at preferential rates and minimal documentation
5. Reach out to us through your nearest branch if you have any issue and would like to discuss it face to face - our vast branch network spans across 22 states, 600+ towns and 60,000+ villages in India.

What is Fullerton India Referral Partner Program?

Become our digital loan partner and refer your family, friends and acquaintances who may be interested in availing a personal loan. Earn upto ` 20,000* per referral! Click here to know more.


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

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