Calculate Personal Loan EMI

12 Months
36 Months
60 Months

Calculated EMI*   6,642  Apply For Personal Loan

Get an Instant Personal Loan in Minutes!

Fullerton India personal loans offer complete transparency and simplicity. The unique and customised personal loan offering includes instant online application. Fullerton provides personal loans instantly and the process is totally paperless. You can apply online with our easy-to-use online application. You can get the loan credited in your account shortly after loan approval.

Fullerton India personal loans are offered up to an amount as high as INR 25 lakhs to meet planned as well as sudden expenses. Attractive personal loan interest rates are offered depending on your requirement as low as 11.99% per annum. The documentation process is smooth and simple. Fullerton’s collateral free personal loan is for salaried and self-employed individuals at no hidden charges. You can find out your personal loan eligibility in a few seconds through our online calculator.

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Features & Benefits


Loans up to INR. 25 Lakh*

You can borrow up to Rs. 25 lakhs*. The amount you are eligible for depends on several factors, including your age, net monthly income, existing financial obligations, etc.


Flexible and Attractive Interest Rates

The personal loan starting rate is 11.99%* for salaried and self-employed individuals with a maximum limit of 36%*.


100% Paperless & Online Approval

Our personal loan procedure is completely paperless if you apply online. No heavy paperwork involved at all.


Quick Disbursal

After all checks are performed, the approved 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.

Why Fullerton India?










600* TOWNS



*As on 31st March 2021

Personal Loan Eligibility

The eligibility criteria for personal loans at Fullerton India include:

Nature of Employment

Applicant must be a salaried employee of a public or private organisation
A Self Employed professional

Minimum Income

Residents of Mumbai or Delhi: INR 25,000 per month
Residents of any other Indian City: INR 20,000 per month

Self Employed: Minimum annual turnover depending on nature of industry / profession


Minimum of 21 years at the time of application
Maximum of 65 years by the time of loan maturity


Resident Indian

Credit score

750 or above, with good credit history

Work Experience

Overall work experience: At least 1 year
In current organisation: At least 6 months

Please note that this is only a basic list, actual eligibility will depend on several other parameters including Fullerton India’s policy at the time of loan application. You can use our personal loan eligibility calculator to get an estimate of the maximum personal loan amount you may be able to borrow.

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)

When Can You Take a Personal Loan?

You can take a personal loan for almost any purpose. Here are some of the reasons for taking a personal loan:

  • Medical Emergencies - Lack of financial assistance can limit your ability to access quality healthcare. Avail a personal loan at the earliest by furnishing the required documents.
  • Used Cars - Realize your dream of owning a used car by opting for a personal loan at flexible rates of interest.
  • Debt Consolidation - Get rid of the circle of debt by consolidating different debts into a single personal loan. The incurred on repaying the loan will be considerably lower than repaying multiple loans.
  • Higher Education - Give wings to your dreams of higher education by availing of a personal loan to meet all your educational requirements right from course fees, travelling expenses, hostel fees etc. 
  • Wedding Expenses - You can take a personal loan to cover the expenses for your dream wedding
  • Home Renovation - Avail a personal loan and undertake renovations/repairs to enhance the value of your home. Opt for a loan at competitive rates of interest and flexible repayment tenor. 

How to Apply for Instant Personal Loan Online?

You can apply for Fullerton’s online personal loan with ease and flexibility. You can apply from the comfort of your home, without having to visit a branch. You can get the funds disbursed in your registered bank account. Here is the simple step-by-step process that one may follow:

  1. Click on the “Apply Now” button on the top of this page. 
  2. You will be asked to enter your mobile number and select if you are salaried or self-employed. 
  3. OTP verification for your mobile number will be done.
  4. This will then take you to the next step where you can enter the loan amount you need and preferred repayment tenure. You will also be asked to provide information including personal, employment and banking details.
    You can also apply through our branches, by calling customer care, or through our Chatbot Dia. Salaried customers can additionally download Fullerton India’s Instaloan mobile app and complete their application.

To know more, please check our article “How to Apply for a Personal Loan Online

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 INR 20,000* per referral! Click here to know more.

Tools & Calculators

Fullerton India offers a range of calculators to help you make an informed decision for your financials needs. Access these free of cost personal loan calculators to get a quick estimates of loan amount you are eligible for.Terms & Conditions apply.


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 these loans online. You can utilize the funds for any monetary need. 

How to calculate Personal Loan Eligibility?

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.

How much CIBIL score is required?

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

How does Personal Loan Work?

Personal Loan is an unsecured loan in which funds are lent to you based on your financial status. We check your eligibility and offer the maximum loan based on the same. You can use a personal loan for any purpose and are expected to repay it as per the agreed terms. We strongly advise you to read and understand the loan agreement before signing it.

How to get an instant 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 personal 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 much personal loan can I borrow?

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

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.

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?

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

Why should you choose Fullerton India?

Choose Fullerton India Personal Loans for the following benefits:

  1. Loans upto INR 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?

Fullerton India offers its customers with a host of benefits such as:

1. Dynamic loan application tracking status through the website
2. Easy loan management through the Service Connect Portal on the website as well as the m-connect mobile app
3. Pay your EMI online in the following ways:

  • Opting for the auto-debit / ECS facility
  • Clicking the “Pay EMI” button from the top menu of this page
  • Through the “Customer Login” section of the website
  • Through the m-connect app. 

4. Eligible customers can get top-up loans at competitive rates with minimal documentation

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.

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.

How can I check the status of my Personal loan application?

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.

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

customer Speak

Fullerton India is one of the best companies to avail loan from.


  |  Personal Loan

Services are excellent

Nookala Anandam

  |  Personal Loan

Really helpful executives in the team. Quick loan approvals. Fullerton India Team assisted me in a very good manner throughout the loan approval process and disbursement.

Keshav Raj

  |  Personal Loan

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