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Instant Personal Loan

A personal loan is one that you can apply for without the need for any collateral and with minimum documentation. The application for this product is generally approved by just scrutinizing the credit history and income of the applicant.

Fullerton India’s personal loan serves multiple purposes and is available for both salaried and self-employed individuals. Life can throw up a surprise anytime in the form of opportunities or challenges. Thus, from financing a wedding, travel, child’s education, vacation, medical emergency, any big-ticket purchase, home repair or even debt consolidation - we are here for you.

From Fullerton India, you can borrow up to Rs. 25 lakhs, with flexible repayment tenures up to 60 months, at affordable interest rates starting from 11.99%. Our online process for instant personal loan application ensures that you can get the financial support you need within minutes from the comfort and safety of your home.

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Features & Benefits of Fullerton Personal Loan

Our personal loans 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 the funds in your bank account within 30 minutes* of approval.

Personal Loans up to Rs. 25 Lakh* - At Fullerton India, 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 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 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

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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)

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 a Personal Loan from Fullerton India?

  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.


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

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 eligibility page.

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 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?

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

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.

How much CIBIL score is required?

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

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

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 personal loan can I borrow?

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.

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.

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

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