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Fullerton Personal Loan

Fullerton Personal Loan

4.0

Max Tenure

4 yrs

Best Rate

17.25% *

Processing Fee

2%

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About Fullerton India

Fullerton India was launched in 2007 and has over 470 branches across the country. This non-banking financial company (NBFC) focuses on financing individual credit needs, SMEs, rural housing, microenterprises among other segments.

How To Apply For Fullerton Personal Loan?

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Looking for money for your short-term needs, but facing a cash crunch? Worry not! A personal loan can help with all your financial needs. Be it for a medical emergency, vacation, wedding or other big events, a personal loan is one of the best ways to fund immediate requirements. You don’t need to worry about being restricted by the end-use, or the need to raise collateral. Fullerton India provides personal loans up to Rs.20 Lakhs at an interest rate of 17.25%. It also comes with a lot of benefits such as less paperwork, quick approval, direct credit of the loan through fund transfer, no prepayment charges and flexible tenure from 12 to 48 months. Check your eligibility now: https://www.creditmantri.com/fullerton-personal-loan/ Before you apply for a personal loan, we recommend you to check your credit score. Checking your credit score will help you know your financial standing, keep your credit report error-free, ensure your credit score is in good shape and let you know whether you are eligible for a loan or not. And this will also help to avoid loan rejections too. Now check your credit score for free and apply for the best personal loan that suits you at CreditMantri. https://www.creditmantri.com/ Check your FREE credit score at CreditMantri. https://www.creditmantri.com/credit-score/ Download App: http://bit.ly/38FFAUp Follow us on Facebook: https://www.facebook.com/CreditMantri/ Twitter: https://twitter.com/CreditMantri/ Instagram: https://www.instagram.com/creditmantri/ LinkedIn: http://bit.ly/2IHFRvw Pinterest: https://www.pinterest.com/creditmantri/ "For reviews about CreditMantri and write your reviews, click here https://www.creditmantri.com/reviews/ If you have any queries related to our services, you can log in to CreditMantri and write under the 'Need Help' section and we will get back to you immediately. Check your FREE credit score at CreditMantri. https://www.creditmantri.com/credit-score/

Fullerton India Personal Loan

Unexpected expenses can arise anytime and often, a personal is the quick and convenient solution. Whether it be higher education for your children, your child's marriage, furnishing your home, or simply a family holiday, a personal loan can come to the rescue. You can meet all sorts of financial needs without worrying about being restricted by the end use, or the need to raise collateral. Now, fulfil all your financial obligations without worry.

Apply Fullerton Personal Loan

Fullerton India Personal Loan - Features

No collateral, no security

Since a personal loan is an unsecured loan, you need not pledge any collateral when applying for a Fullerton India Personal Loan. There is no requirement for a guarantor either.

Loan amount

You can avail of loan amount up to Rs 20 lakhs if you are a salaried individual and up to Rs. 30 lakhs if you are a self-employed business person, subject to terms and conditions. The loan amount depends on various factors such as your salary, your capacity to repay the loan, your credit history etc.

Flexible tenure

You can repay your loan amount over a period of 12 months up to 48 months.

Fullerton India Personal Loan - Fees and other Charges

  • Processing fee - Up to 6.5% of the Loan Amount
  • Delayed EMI Payment Interest (per month of delay, every month) - 0.75% per month on the outstanding principal loan amount
  • Cheque bounce charges - Rs. 30
  • Loan Cancellation charges (loan cancelled before first EMI) - Rs. 1000
  • Swap Charges, for replacement of Post-dated cheques to ECS (per instance) - Rs. 500
  • Collection of Cheque/Cash (per collection) - 300

Fullerton India Personal Loan Eligibility

You need to be a salaried or self-employed individual in order to avail a Fullerton Personal Loan and fulfil the minimum salary criteria.

Fullerton India Personal Loan - Documentation

For the Salaried

  • Completely filled in application form with a recent photograph
  • Proof of Identity - Passport Copy/ Voter ID card/ Driving License/ PAN Card (any one document to be submitted)
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License (any one to be submitted)
  • Proof of age - PAN Card, Passport, Birth Certificate
  • Income proof - Last 3 months salary slip
  • Bank Statements - Bank statement / Bank Passbook for last 6 months OR Form 16
  • Processing fee cheque
  • Income Tax Returns for last 3 years

For the self-employed

  • Completely filled in application form with a recent photograph
  • Proof of Identity - Passport Copy/ Voter ID card/ Driving License/ PAN Card (any one document to be submitted)
  • Address Proof - Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License (any one to be submitted)
  • Proof of age - PAN Card, Passport, Birth Certificate
  • Proof of business existence and continuity
  • Bank Statements for last 6 months
  • Profit and loss statement sheet for last 3 years
  • Balance sheet for last 3 years
  • Income Tax Returns for last 3 years (for self and business) duly certified by a CA
  • Processing fee cheque

Fullerton India Personal Loan FAQs

1. What is EMI?

EMI is Equated Monthly Instalment. It is the amount which you will be paying on a monthly basis to repay your personal loan amount over a stipulated period of time.

2. How do I calculate EMI?

You can use any online Personal Loan EMI Calculator in order to calculate the EMI that you might be paying each month towards the loan. In order to use the calculator, you will have to input the following:

  • Gross loan amount
  • Flat rate of interest
  • Tenure (in months)

You will get the resulting (approximate) EMI amount which you will have to pay each month towards repaying the loan. You can use CreditMantri’s handy calculator in order to plan your finances and decide what kind of loan you can afford.

3. Who can apply for a Fullerton Personal Loan?

Fullerton Personal Loan can be availed by salaried as well as self-employed individuals.

4. Do I need to pledge any security or collateral in order to avail a Personal Loan from Fullerton India?

No, there is no need to pledge your assets or provide any collateral to avail a Personal Loan from Fullerton.

5. Is there an option to foreclose or prepay my loan?

Yes, you can foreclose your loan after a minimum of 6 EMIs.

6. What is the maximum loan amount available from Fullerton India?

For the salaried

For the self-employed

  • You can avail up to 30 Lakhs if you are found eligible

You need to fulfill certain parameters like your income bracket and other criteria in order to be approved for a certain loan amount.

7. I have already availed a loan from Fullerton India. Do I get any offers from Fullerton India for availing a loan from them again?

Yes, if you are an existing customer of Fullerton India, you will get additional benefits like speedy processing and better interest rates. Additionally, you will be eligible for a pre-qualified Top Up on your existing Principal Outstanding.

8. What is Fullerton India Personal Loan Interest Rate?

The interest rate varies with each and every customer and depends on various parameters like credit history and credit score.

Fullerton Personal Loan Review

In times of need, availing a Personal loan rather than maxing out your credit card is the better choice. Fullerton’s interest rates and easy payment options gives you the much required respite and you can make repayment that can be spread over a long period, as per your repaying capacity.

Apply for a Fullerton Personal Loan

You can apply for Fullerton Personal Loan online by logging onto their website and submitting your basic information (your name, your company and salary details). The four step process includes checking eligibility, viewing offers that you qualify for, completing the application, and uploading documents. A representative can contact you regarding your application. You can also track the status of your application online.

If found eligible, you might also be asked to upload the following documents to process your loan application:

  • Photo Identity Proof (PAN card, Driving License)
  • Address Proof (Electricity bill, Passport)
  • Latest salary statement as Proof of Income, and
  • Bank statements

Alternatively, if you think you need help with your loan application process and advice on loan-eligibility, CreditMantri can guide you and match you with the loan offer that best suits your profile.

Latest & Update Fullerton Personal Loan News

Make your Summer Vacation Dreams Come True with an Instant Personal Loan from Fullerton India9 Apr 2021

Are you planning to take your family on a summer vacation? After months of staying at home due to the Covid-19 pandemic, families are eager to hit the road. Fullerton India, one of the top NBFCs in the country is offering instant personal loans up to...

Read more

Are you planning to take your family on a summer vacation? After months of staying at home due to the Covid-19 pandemic, families are eager to hit the road. Fullerton India, one of the top NBFCs in the country is offering instant personal loans up to Rs. 25 lakhs during this holiday season. Instant eligibility, end-to-end digital loan processing, quick approval and loan disbursement make personal loans from Fullerton India a great choice to meet your cash needs. Customers can apply for the loan via the Fullerton website or app. Loan interest rates start from 11.99% per annum.

Fullerton Personal Loan - Customer Reviews

4 / 5 (35 Reviews)
14 Feb 2017

"Response plays a significant role when it comes to any business. CreditMantri scores on top in this regard! Service is immediate, and they provide superb guidance. I remember I asked a lot of questions to the customer executive during my first interaction and was perfectly guided on my loan requirement. I am using the site for first time, and I am surprised by their promptness in handling clueless customers. Just a teeny drawback is the Personal loan EMI calculator on their website, which I found to be a bit slow. Apart from this, what more to expect, when you get a personal loan at an excellent interest rate? Bliss."

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