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Instant Personal Loan

A personal loan, also known as a signature loan or unsecured loan are loans that you can apply for without the need for any collateral and with minimum documentation. Personal loans are generally approved by just scrutinizing the credit history and income of the individual. Rate of interest and loan amount for personal loans are determined by the creditworthiness of the borrower.

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.

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Features & Benefits of Fullerton 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* - 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.

Flexible and Attractive Interest Rates - The starting rate is 11.99% for salaried and self-employed individuals with a maximum limit of 36%*.

Hassle-free Documentation Process - Our loan procedure is totally paperless if you apply online. No heavy paperwork involved at all.

Quick Disbursal - 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.
* Terms and conditions apply

Eligibility Criteria for Personal Loan

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)

How to Apply for a Personal Loan?

If you think you meet the eligibility criteria mentioned above, you can proceed to applying for a loan here.


What is a Personal Loan?

A personal loan is an unsecured loan for up to 60 months. You do not need collateral to avail of funds. Salaried and self-employed individuals can apply for personal loans online. You can utilize the funds for any monetary need. There is no restriction on the end purpose of the loan amount.

How to get an instant personal loan?

To get an instant personal loan, you can apply online on our website.

  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*

How can I apply for a Personal Loan Online?

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 Approval?

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.

How to calculate Personal Loan Eligibility?

To avail a personal loan from Fullerton India,

  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 personal loan eligibility calculator to know the loan amount you can borrow.

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%
  3. Select repayment tenure.

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

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 to get the following personal loan 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

Can I get a Fullerton India personal loan in my city?

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.

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. 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

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*.

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

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.

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

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