A pre-approved personal loan, in case of banks, is a personal loan which is given to eligible customers based on various criteria such as their relationship with the bank, amount available in savings / current bank account, fixed deposit, credit card usage, etc. 

In the case of non-banking financial companies such as Fullerton India, a pre-approved personal loan is basically a top-up instant personal loan given to existing customers with history of punctual repayment and a good credit score. It does not require collateral and the personal loan interest rate varies based on the borrower's profile.

A personal loan can be availed for any legitimate reason and is very useful for meeting immediate personal expenses, such as sudden loss of a job, a medical emergency, or for a non-pre-planned event.

There are multiple reasons why you could be chosen for a pre-approved loan or a top-up loan. A few of these are:

  • Good repayment history – you may have been punctual with your EMI payments with no delays or defaults
  • Your monthly income may have recently increased and/or you may have paid enough of your existing loan to become eligible for additional credit 
  • Responsible financial behaviour as per latest credit report and credit score

What a Fullerton India Personal loan offers?

Fullerton India offers the following features and benefits on their personal loans:

Loan Amount: Fullerton India offers personal loan up to INR 25 lakhs*

Interest Rates: Fullerton India offers attractive personal loan interest rates starting from 11.99%*

Flexible Tenure: We offer a flexible repayment tenure between 12 – 60 months so that you can choose a repayment plan that suits your budget.

Easy Documentation: The documentation process for a personal loan from Fullerton India is easy and hassle-free.

Quick Disbursal: We offer quick loan disbursal and instant decisioning through digital processing.

Online Application: To avail a Fullerton India personal loan, you can submit your application online, thus helping you be more efficient and save time.

Top-up loan offers: Fullerton India offers exclusive offers to existing customers on top-up loans (or pre-approved loans).

*Terms and conditions apply

apply personal loan online


Making the process easier, Fullerton India offers a special eligibility calculator that lets you input your birthdate, your monthly income, total monthly EMIs that are currently existing (if any), rate of interest and tenure, to help you get an estimate of the maximum personal loan amount you can get. The eligibility criteria for an instant personal loan are as follows:

  1. You must have the citizenship of India
  2. You must be employed by either a private limited or a public limited company
  3. You must be older than 21 and younger than 60
  4. Except for Mumbai and Delhi, your monthly income should at least be 20,000 rupees. In the case of Mumbai and Delhi, it should be at least 25,000 rupees.

Required Documents

Fullerton India requires the following for an instant personal loan.

  1. Complete personal loan application including a recent photograph
  2. Identity proof, such as passport copy, voter id, aadhar card, driving license, etc.
  3. Address proof, such as ration card, rental agreement, telephone bill, etc
  4. Age proof, such as PAN card, birth certificate, etc
  5. Bank statement or passbook containing a record of the last 6 months of salary, or three months of salary slips.
  6. Form 16
  7. A cheque for processing fee
  8. Income tax returns

Please note that some of additional documents may be needed on a case to case basis. Our representative would provide you the details, as necessary.

How to Apply?

Fullerton India offers you different ways to apply for an instant personal loan, thus helping you experience the method you find easier and more convenient. 

  1. Apply Online – This process is completely digital, and can be completed from the comfort of your home. Please click here to know more. 
  2. You can take the documentation required and visit the closest Fullerton India branch, where you will be asked to fill the necessary forms. Our staff would assist you with all your needs, and help pick the right loan options.

If you are an existing customer and are looking for a pre-approved loan or a top-up loan, the same options mentioned above are applicable. However, depending on the length of your relationship with Fullerton India and other parameters, the documentation required may be much lesser, thereby making the process much faster. 

To know more, please feel free to contact us at our toll free number 1800 103 6001 (between 9:00 AM – 7:00 PM on all days except 2nd & 4th Saturdays of the month, Sundays and public holidays). Alternatively, you can also visit us at your nearest Fullerton India branch. 

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