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    Fullerton Personal Loan

    We found 1 Fullerton Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    What you'll love
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria

    Fullerton Personal Loan is Rated as "Pretty good" by 2916 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service



    Fullerton India launched commercial operations in January 2007. Fullerton bank is a Non Banking Finance Company Fullerton India Credit Company Limited is a wholly owned subsidiary of Fullerton Financial Holdings Pte. Ltd., which in turn is a wholly owned subsidiary of Temasek Holdings Pte. Ltd., Singapore. Fullerton India Personal Loan can help in making a difference in your life by fulfilling your financial needs are such as unexpected expenses, a medical exigency, school or college admission, wedding in the family, home improvement or that long awaited vacation. The procedure is simple and quick. You do not have to hypothecate any collateral or property to avail this loan. All you have to do is to follow some simple steps to get attractive deals.

    You're probably eligible for an Fullerton Personal Loan if you are


    At least 21 years old

    Less than 65 years old

    Salaried / Self “ Employed
    with regular income

    Earn more than the minimum
    income required

    Your Fullerton Personal Loan amount eligibility is based on these factors


    Minimum income required
    Rs.25,000 per month

    Maximum allowed personal loan is Rs. 15 lakhs

    EMIs of other loans lower
    your eligibility

    Increase your eligible Fullerton Personal Loan amount by these steps


    Pay off your credit card bills

    Choose longer tenure loan up to 4 years

    Documentation needed to apply for an Fullerton Personal Loan

    • 1. Signed application form with photograph
    • 2.Copy of passport/voter ID card/driving license
    • 3. Processing fee cheque
    • 4. Last 3 months bank statement/6 months bank passbook
    • 5. Documentation for salaried applicants:
      • Latest salary slip
      • Current dated salary certificate with the latest Form 16
    • 6. Documentation for self-employed applicants:

      • Latest Bank statement
      • Latest ITR or Form 16

    Fullerton Personal Loan Interest RatesUpdated on 28 Apr 2017

    Fullerton Personal Loan Details
    Interest Rate (Monthly reducing balance) 17.25% to 37.00% per annum
    Processing Fees 1.5 to 6.0 % of the Loan Amount
    Loan Tenure 1 year to 4 years
    Pre-closure Charges 7% of principal outstanding(plus ST) upto 1 months. 5% of principal outstanding(plus ST) from 18 to 23 months. 3% of principal outstanding(plus ST) from 24 to 35 months. No preclosure charges applicable afterwards
    Guarantor Requirement No guarantor required

    About Fullerton India Personal Loan

    Fullerton India is one of the most well-known non-banking financial companies offering personal loans apart from other lending and financial services. Launched in January 2007, Fullerton India today has over 398 branches across the country with services spread across 600 towns and more than 30,000 villages. Fullerton India Credit Company Limited, a wholly owned subsidiary of Fullerton Financial Holdings Pte. Ltd., offers personal loans up to Rs. 20 Lakhs for salaried and up to Rs. 30 Lakhs for self-employed individuals. Personal loans from Fullerton India follow a quick approval mechanism with minimal documentation and online loan application facility.

    Personal loans from Fullerton India do not require any guarantor or collateral security. Moreover applicants are free to use the funds availed from Fullerton India personal loan as per their personal need without any restrictions. Funds can be used to cater for any medical expenses, foreign trips, home renovations or any other miscellaneous financial expenses.

    Fullerton India offers a wide range of pre-approved personal loans to its pre-existing customers from time to time. The personal loans with Fullerton India come with a host of benefits and features including competitive interest rates and a loan tenure period extending up to as high as 48 months.

    Why choose Fullerton India Personal Loan?

    High Quantum of Loan: Fullerton India offers a high quantum of personal loan for all eligible borrowers. The maximum quantum of Personal Loan offered by Fullerton India is Rs. 20 Lakhs for salaried individuals and Rs. 30 Lakhs for self-employed individuals. The maximum personal loan available to applicants at Fullerton India is one of highest quanta compared to other non-banking financial companies or public sector banks in its class.

    Competitive Interest Rates: Fullerton India offers personal loans at competitive interest rates with a monthly reducing balance basis, thereby ensuring maximum benefit to the loan borrower.

    Easy Accessibility: With a large number of active branches in both urban and rural regions, Fullerton India makes sure that there is a loan centre easily accessible for citizens living in urban, semi urban and rural centres.

    Easy Loan Application Process: Fullerton India personal loans are easy to apply for with an online loan application process allowing for easy loan requests with minimal documentation and quick loan disbursal timeline.

    Special Benefits for Existing Customers: Fullerton India offers a series of special offers for their existing clients for pre-approved personal loans. Since a large number of people are associated with Fullerton India either using their commercial loan schemes, rural financing schemes or other financial products, they receive offers from time to time about pre-approved personal loans as per their financial history.

    Instant Approval: Personal loan applicants need not visit the Fullerton India branch physically and can simply apply for a personal loan online which will be approved within four working days for eligible applicants.

    Seasonal Offers: Fullerton India offers attractive seasonal discounts in interest rates and processing fees during festival season and from time to time.

    Fullerton India offers a number of benefits and features for its personal loans including low interest rates, minimal documentation and quick approval. Some of the prominent features of Fullerton India personal loan include:

    Quick Loan Approval: Fullerton India offers one of the fastest loan disbursal rates compared to other non-banking financial companies. For pre-approved customers, personal loans can be disbursed in one working day, while for new customers, personal loans are approved and disbursed within a stipulated timeline extending to a maximum period of four working days.

    Low Interest Rates: Fullerton India offers competitive interest rates for its personal loan applicants. Since a large number of Fullerton India clients come from smaller centres and semi-urban centres, Fullerton India understands the importance of keeping interest rates low, offering maximum benefits to the clients.

    Part Prepayment Facility: Fullerton India allows part-prepayment facility for all its personal loans after a minimum period of six months. Fullerton India does not charge any prepayment charges for all personal loans that are prepaid after 36 months from the agreement date.

    Dedicated Customer Support: Fullerton India has a 24/ customer support helpline, allowing users access to complete information through both phone and email communication.

    Online Loan Application Facility: Users willing to seek a personal loan with Fullerton India need not visit the branch and can apply for a personal loan online. Such a facility not only saves time and offers convenience to the loan applicant, it also reduces the loan approval and disbursal time, leading to a win-win situation for both the customer and the company.

    Instant Loan Eligibility Check: offers an Instant Loan eligibility check using the personal loan tool. The tool automatically checks for user eligibility by tracking financial history and monthly salary records. Non-eligible applicants are filtered out and the tool offers customized personal loan quotes only for eligible applicants.

    Personalized Quotes: offers customized personal loan quotes to all its eligible users keeping in mind their requirement, repayment track record, and tenure period of the loan.

    Low Interest Rates: has collaborated with Fullerton India allowing for a discounted rate of interest for all personal loans facilitated through the portal. Personal loan applicants with Fullerton India through get a discounted rate of interest reserved exclusively for members.

    Active Loan Comparison: Before finalizing the personal loan, users at can compare various personal loan options, completely comparing on parameters such as charges, fees, interest rates and other loan essentials. Users can also compare personal loans depending on the feedback ratings of current personal loan holders.

    Instant E-Approval: All loan applicants get instant e-approval after successfully submitting their loan application. The e-approval corresponds to the fact that their loan application has been processed, approved and forwarded to the designated loan department of the bank or NBFC concerned.

    Assured Privacy: All personal data submitted by applicants to is transmitted in an encrypted format to the respective bank or NBFC, which ensures 100% safety.

    Applying for a Fullerton personal loan at involves three simple steps.

    Step 1: Each loan applicant seeking a personal loan at needs to duly fill his or her details in the personal loan eligibility calculator . The tool automatically checks for Fullerton India personal loan eligibility of each applicant and the eligible applicants are offered customized loan options from various personal loan service providers.

    Step 2: After the applicant is given a list of loan options as per his or her financial history, the user can compare various loan options and choose the most appropriate one. Customer Feedback from existing loan applicants is also displayed helping the applicant chose the loan service provider.

    Step 3: In the final step, the applicant receives instant e-approval from after successful submission of personal loan application online. The application is sent electronically to the nearest Fullerton India office and the company gets in touch with the applicant directly.

    Fullerton India Personal Loan Interest Rates

    Interest rates for personal loans vary from bank to bank. Fullerton Personal Loans come with affordable interest rates, making it a viable option for all sections of people. Fullerton India offers personal loans at floating rates.

    The rates charged by Fullerton India Personal Loan usually vary from 21% to a maximum of 40% per annum. Each loan offered by Fullerton India is tailor-made, depending on your profile and eligibility criteria. Therefore, the interest rate availed by your friend may be different from that of yours, depending upon your monthly income and nature of work.

    Like every financial institution, Fullerton will have lower rates for state and central government employees as well as employees of leading private companies or MNCs. Once you enter your company details and monthly income in the respective column of BankBazaar’s online application form, your Fullerton India Personal Loan interest rate and EMI will be automatically displayed by the system instantly, after considering the details entered. Applying through will also fetch you the benefit of discounted interest rates as exclusively applicable for all customers.

    Processing FeeUp to 6% of the Loan Amount
    Interest Rates21% to 40% per annum (monthly reducing balance)
    Loan Tenure12 to 48 months
    Foreclosure Charges4% of pre-closed amount
    Guarantor RequirementNo

    One of the main attractions of Fullerton India is that they offer personal loans with very flexible eligibility criteria. Fullerton India offers personal loans for both salaried as well as self-employed individuals. If you are a salaried individual with a minimum of Rs. 12,500/- as fixed monthly salary, you are eligible for a Fullerton India personal loan. For self-employed individuals (both professionals as well as non professionals), the minimum income criteria to avail Fullerton India personal loan is Rs. 15,000 per month.

    The company also mentions a criteria based on the age of the applicants. The minimum age for applying for Fullerton Personal Loan is 21 years, whereas, the maximum age limit is 58 years. This means, if you are 58 years old and are looking to apply for a Fullerton India Personal Loan, you will get the loan sanctioned for maximum tenure of 2 years (i.e., till you reach 60 years of age).

    Fullerton India Personal Loan Eligibility Criteria for Salaried Individuals
    AgeMinimum: 21 Years Maximum: 58 Years
    Minimum IncomeSalaried individuals with minimum monthly income of Rs. 12,500/- & above
    Total years in job/profession3 Years
    Years in current residence1 Year

    Fullerton India Personal Loan Eligibility Criteria for Self Employed Individuals and Working Professionals:

    AgeMinimum: 21 Years Maximum: 60 Years
    Minimum IncomeSelf Employed individuals or working professionals earning a above Rs. 15,000 per month
    Total years in Profession2 Years offers users a unique and easy-to-use financial tool which helps everyone understand their EMI beforehand while applying for any loans. This helps you with better financial planning, helping you choose an ideal tenure for your loan and aiding your understanding of expenses such as EMIs.

    With BankBazaar’s Personal Loan EMI Calculator , users simply need to add the amount they wish to take as loan, their preferred loan tenure and rate of interest as provided by the bank at the time of online enquiry. The EMI Calculator then instantly calculates and displays the EMI liability for the loan. This helps you in understanding the monthly money outflow towards the loan.

    Q: Am I eligible for Fullerton India personal loan?

    A: All Indian citizens between the ages of 21 to 60 years, fulfilling the minimum eligibility criteria, are eligible for Fullerton India personal loans. For salaried people, the minimum monthly income should be Rs. 12,500/- & above and for Self-Employed individuals or working professionals, the minimum income should be Rs. 15,000 per month

    Q: What is the maximum loan one can get from Fullerton India?

    A: Fullerton India offers personal loans as high as Rs. 20 Lakhs for salaried individuals and Rs. 30 Lakhs for self-employed individuals. The final loan amount availability depends on the applicant’s financial record and repayment history.

    Q: What is the tenure for Fullerton India personal loan?

    A: Fullerton India offers personal loan with a tenure period ranging from 12 months to 48 months, making it suitable for all loan seekers.

    Q: How do I repay Fullerton India personal loan?

    A: Fullerton personal loans can be repaid in equated monthly instalments, calculated using a monthly reducing interest rate. Users can pay their Fullerton India Personal Loan EMI online directly to Fullerton India using an online funds transfer facility or via cheque deposit.

    Q: How much would I need to pay as EMI for my Fullerton India personal loan?

    A: You can use the EMI calculator to understand the monthly payment you need to make against your Fullerton Personal Loan. All you need to do is to simply enter your loan amount and preferred tenure. The tool will automatically calculate your Fullerton India Personal Loan EMI and provide the result instantly.

    Q: Why should I apply for Fullerton India personal loan through

    A: Fullerton India accepts online loan submissions and has collaborated with for personal loan submissions online. Applying for a Fullerton India personal loan online can get discounted interest rates, instant e-approval and online loan racking facility, along with a dedicated customer helpline for any queries or grievances.

    Q: What are the documents required to apply for Fullerton India personal loan?

    A:You don’t need to submit any documents online for applying for Fullerton India personal loan. You can approach your nearest branch with your e-approval and submit KYC documents (for address and ID proof), income documents and updated bank statement for further processing of the loan.

    Q: Does charge for loan Eligibility Tool?

    A: does not charge its members for using the online loan calculator tool. The services provided by are absolutely free.

    Q: Is My Data Safe while applying for a personal loan through

    A: uses a high degree of encryption while sending personal data of loan applicants to the respective banks. All data with is never shared with any third party except the loan department of the designated bank or non-banking financial company as per the case.

    Q: How can I foreclose my Fullerton India personal loan?

    A: You can foreclose your personal loan by issuing a cheque against your Fullerton India personal loan account. But remember, the company allows foreclosure only after successful payment of 6 EMIs.

    News About Fullerton Personal Loan

    • Fullerton to add 20 - 25 branches across India

      Fullerton India is planning to spread out its base by adding 20 - 25 branches across the country. The bank has already witnessed stupendous growth of 45 - 50% in the recent years. Expansion of the distribution network was one of the prime factors that led to its growth. According to Rakesh Makkar (Executive Vice-President and Head - Fullerton), the company aims to sustain the growth this fiscal also. The company is also planning to give special offers to the applicants in Tamil Nadu during the festive season. It will provide a waiver of 0.50% on interest rates for personal loans and 50% waiver on processing fees for the female applicants. Apart from this, special gifts will also be given to those customers who will apply for high value loans. The company will continue giving these offers till Diwali.

      ></p> <p><em>17th October 2016</em></p> </div> <div class=

    • Fullerton India receives Rs 150-cr capital from parent company

      Fullerton Financial Holdings, the parent company has given their non-banking financial company Fullerton India Rs. 150 crore of capital.

      According to a statement made by Fullerton, “The funds received will be used for investment in the company’s housing finance subsidiary — Fullerton India Home Finance Company and for the future growth requirements of Fullerton India.”

      “The investment from our parent company is a boost to our lending business in India. Through this investment we will be further able to meet the needs of our customers across housing finance and other credit instruments,” added Shantanu Mitra, MD and CEO, Fullerton India.

      Fullerton India, in its half-yearly financial results for the period of FY15-16 posted a 64% surge in its profit. Its assets under management (AUM) has also risen by 37% along with loan disbursals growing by 30%.

      The company currently employs over 7,600 employees across 445 branches, with nearly 60 per cent of the workforce serving their rural business. Servicing a customer base of over 12 lakh, Fullerton India’s product portfolio includes loans against property, SME and business loans, personal loans, rural livelihood loans, and rural mortgage.

      ></p> <p><em>17th December 2015</em></p> </div> <div class=


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