Your CIBIL score plays a critical role whenever you apply for a loan, insurance policy or credit facility from any financial institution in India. The report is a reliable instrument that establishes your creditworthiness and your credit behaviour to the prospective lender.  

What is an ECN Number & How to Get it?

When the applicant puts in a request for a personal loan online, Fullerton India needs to access the prospective borrower’s credit report before the lender decides to proceed with the application. This is a compulsory protocol followed by all registered lenders to assess the risk of default and repayment capacity, specifically in the case of personal loans which are unsecured in nature.

Fullerton India puts in a request with CIBIL to access the applicant’s credit report. CIBIL uses the ECN number to release the report. The ECN number in a CIBIL report is a unique nine digit number that is assigned to the applicant’s credit report and helps lenders keep track of their credit records from a pool of millions of borrowers.

Therefore, if you are wondering what is the control number in a CIBIL report, simply put, it is just another reference to the ECN number. As the lender communicates with CIBIL, the body uses this Control Number or the ECN to locate the applicant’s credit records and share them with the lender. 

Why is the ECN Number Important?

Besides the fact that the ECN number can be used to track a specific credit report, this nine digit number may be also used to check the unique account, the financial information that it contains along with the applicant’s credit behaviour. All financial institutions that are members of CIBIL can use the Control number to acquire the credit report of a prospective borrower.

The ECN number is confidential. Having said that, the applicant will be able to acquire it under the Credit Information Companies Regulation Act, 2005 from the lender. Alternatively, the borrower may be able to view their individual credit reports listed on the top right hand corner. Finally, the applicant may also call the CIBIL Helpline number and request your ECN number or log on to the CIBIL website to retrieve the credit report at a nominal fee.

Checking Your Credit Score

Prospective applicants can check their CIBIL score by logging into the CIBIL website. Alternatively, they can also get their credit score on the Fullerton India website in a matter of minutes before making a formal personal loan online application. Follow these steps to get started.

  • Go to the CIBIL Score checker
  • Choose between the ‘Salaried’ and ‘Self Employed’ option
  • Click on ‘Continue’
  • Fill in your personal, company and income related information in the form
  • Verify your mobile number with an OTP
  • Your free credit report will be generated instantly

Apply for a Personal Loan

You can apply for a personal loan for up to Rs. 25 lakhs on competitive interest rates from Fullerton India. Generally, a credit score of 750 or above ensures that the prospect of getting the loan sanctioned is significantly higher.
Simply follow these guidelines to apply for a personal loan from Fullerton India.

  • Check your eligibility for a personal loan
  • Use the personal loan EMI calculator on the Fullerton India website to gauge your monthly instalment commitments
  • Apply online and complete the application form.
  • Upload all required documentation and submit. 
  • Get in-principal approval based on the information provided in the online form. 
  • Wait for 1-2 days for the documents to  to be successfully verified
  • Fullerton India will share their decision on approval or rejection with the application
  • If the loan is approved, the personal loan funds will be disbursed to the applicant’s registered account within 24 hours

If you still have questions, feel free to reach out to Fullerton India’s friendly customer service department on the toll free number (1800 103 6001) or email your queries to [email protected].

Check CIBIL Score  

Reasons to buy

You can take our personal loan for a variety of reasons.

Wedding Expenses

Higher Studies

Exotic Vacations



Related Questions

Here are some articles which could help you understand us and our products better. Do share your comments and let us know what you think!

Difference Between Flexi Personal Loans & Term Loans
Personal Loan

Difference Between Flexi Personal Loans & Term Loans

A comparison of Flexi Personal Loan & Term Loan on the basis of loan amount, rate of interest, structure of EMIs & fund disbursal.

How to Get a Personal Loan without a Guarantor?
Personal Loan

How to Get a Personal Loan without a Guarantor?

Do you want to know how you can get a Personal Loan without any guarantor. Know more & get a personal loan without a guarantor.

What is a Personal Loan Agreement?
Personal Loan

What is a Personal Loan Agreement?

A personal loan agreement is a document that contains terms & conditions between a borrower and lender. Know more about personal loan…