Fullerton Personal Loan

Here are a few factors

How To Apply
Product Rating

( 4.5 /5 )

Total - 458 ratings


Mode of Process



Delhi - NCR

Lending Size and Tenure 

Rs. 50,000 to Rs. 25 Lakhs (12M to 60 M)


11.99% -36% p.a

ROI (Fixed/Reducing)


Processing Fees



After 6 Months with applicable Fees

Partial Payment Allowance


Dealing in Unsecured OD



Funding to All Profile whether Employee of Proprietorship firm/Partnership firm or Company  

Fullerton Personal Loan EMI Calculator

Interest Type

Loan Amount

Interest Rate


Loan Tenure

Loan Amount100,000
Interest %14 %
Tenure (months)12
Emi (monthly)8,979
Total Interest7,745
Loan Amount + Interest107,745
YearTotal Principal
( A )
Total Interest
( B )
( A + B)
Total Payment Loan Paid Till Date (%)
56,6376,21662,85343,36356.64 %
Jun7,8121,1678,97992,1887.81 %
Jul7,9031,0768,97984,28515.72 %
Aug7,9969838,97976,28923.71 %
Sep8,0898908,97968,20031.80 %
Oct8,1837968,97960,01739.98 %
Nov8,2797008,97951,73848.26 %
Dec8,3756048,97943,36356.64 %
43,3651,53044,8950100.00 %
Jan8,4735068,97934,89065.11 %
Feb8,5724078,97926,31873.68 %
Mar8,6723078,97917,64682.35 %
Apr8,7732068,9798,87391.13 %
May8,8751048,9790100.00 %
Visit Our Website

For the first step, you will have to visit our website to explore the loan options that fit your needs.

Select and Apply

Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Financial Freedom!

Once your application is approved based on your eligibility, you will receive your loan amount shortly.

Right Documents - Easy Process

Documents and Eligibility 


  • The age of the applicant should be between 21 to 65
  • The min. salary of the applicant should be 20k to 25K per month
  • The min. Employment should be min.1 year and min. 6 months in the current organization
  • The minimum CIBIL score has to be 750 or above

PAN Card

Aadhaar Card

Latest Salary slip of 1 month

Ownership Proof

Voter ID

Latest Bank statements of 3 months

Negative Profile for Fullerton Personal Loans

A negative list or negative profile is a list of areas of the city where residents would not qualify for credit approval. In India, this has been a relatively new development.



MCD 4th Grade

Taxi Driver



Malls, SPA & Saloon




Delivery Boys

Company which are in Liquidation or in BIFR


Minus 1 CIBIL Score

About Fullerton Personal Loan

A loan can be a lifesaver to those who need cash to meet any financial emergency. In banks, loans are available for a fixed duration. However, in Fullerton India personal loans you can borrow any amount within 10-25 lakhs at preferred mutually agreed on interest rates and repayment tenure. Fullerton India provides instant personal loans, so you can get the money you need as soon as possible. You can apply online through their easy-to-use application forms.

Fullerton India offers loans of up to Rs. 25 lakhs to help you deal with both planned and unplanned expenses. Their collateral-free personal loans come with attractive interest rates, too.

Fullerton Personal Loan Customer Care Details

You can reach out to Fullerton India, if you have any queries or require assistance.

Let us take an example, How EMI is being calculated

For instance, if "Shubham" applies for a Personal loan of INR 1 Lacs and get the loan sanctioned at the rate of 15 % with a tenure range of 36 Months , in such a case his EMI would be INR 3,467 and complete repayment amount till the end of 36 Months tenure would be INR 1,24,795 (i.e 3,467 EMI * 36 Months), wherein the total interest amount is INR 24,795 along with principal repayment of INR ₹1,24,795 . Few additional charges like those of minimal one-time processing fee 1% - 5% of the disbursed amount + GST of loan amount may apply. T&C apply.
Year Principal
Total Payment
(A + B)
Balance Loan Paid To Date
2022 ₹ 11,363 ₹ 5,969 ₹ 17,333 ₹ 88,637 11.36%
Aug ₹ 2,217 ₹ 1,250 ₹ 3,467 ₹ 97,783 2.22%
Sep ₹ 2,244 ₹ 1,222 ₹ 3,467 ₹ 95,539 4.46%
Oct ₹ 2,272 ₹ 1,194 ₹ 3,467 ₹ 93,267 6.73%
Nov ₹ 2,301 ₹ 1,166 ₹ 3,467 ₹ 90,966 9.03%
Dec ₹ 2,329 ₹ 1,137 ₹ 3,467 ₹ 88,637 11.36%
2023 ₹ 30,332 ₹ 11,266 ₹ 41,598 ₹ 58,305 41.70%
Jan ₹ 2,359 ₹ 1,108 ₹ 3,467 ₹ 86,278 13.72%
Feb ₹ 2,388 ₹ 1,078 ₹ 3,467 ₹ 83,890 16.11%
Mar ₹ 2,418 ₹ 1,049 ₹ 3,467 ₹ 81,472 18.53%
Apr ₹ 2,448 ₹ 1,018 ₹ 3,467 ₹ 79,024 20.98%
May ₹ 2,479 ₹ 988 ₹ 3,467 ₹ 76,545 23.45%
Jun ₹ 2,510 ₹ 957 ₹ 3,467 ₹ 74,036 25.96%
Jul ₹ 2,541 ₹ 925 ₹ 3,467 ₹ 71,495 28.51%
Aug ₹ 2,573 ₹ 894 ₹ 3,467 ₹ 68,922 31.08%
Sep ₹ 2,605 ₹ 862 ₹ 3,467 ₹ 66,317 33.68%
Oct ₹ 2,638 ₹ 829 ₹ 3,467 ₹ 63,679 36.32%
Nov ₹ 2,671 ₹ 796 ₹ 3,467 ₹ 61,009 38.99%
Dec ₹ 2,704 ₹ 763 ₹ 3,467 ₹ 58,305 41.70%
2024 ₹ 35,208 ₹ 6,390 ₹ 41,598 ₹ 23,097 76.90%
Jan ₹ 2,738 ₹ 729 ₹ 3,467 ₹ 55,567 44.43%
Feb ₹ 2,772 ₹ 695 ₹ 3,467 ₹ 52,795 47.20%
Mar ₹ 2,807 ₹ 660 ₹ 3,467 ₹ 49,988 50.01%
Apr ₹ 2,842 ₹ 625 ₹ 3,467 ₹ 47,147 52.85%
May ₹ 2,877 ₹ 589 ₹ 3,467 ₹ 44,270 55.73%
Jun ₹ 2,913 ₹ 553 ₹ 3,467 ₹ 41,356 58.64%
Jul ₹ 2,950 ₹ 517 ₹ 3,467 ₹ 38,407 61.59%
Aug ₹ 2,986 ₹ 480 ₹ 3,467 ₹ 35,420 64.58%
Sep ₹ 3,024 ₹ 443 ₹ 3,467 ₹ 32,397 67.60%
Oct ₹ 3,062 ₹ 405 ₹ 3,467 ₹ 29,335 70.67%
Nov ₹ 3,100 ₹ 367 ₹ 3,467 ₹ 26,235 73.76%
Dec ₹ 3,139 ₹ 328 ₹ 3,467 ₹ 23,097 76.90%
2025 ₹ 23,097 ₹ 1,169 ₹ 24,266 ₹ 0 100.00%
Jan ₹ 3,178 ₹ 289 ₹ 3,467 ₹ 19,919 80.08%
Feb ₹ 3,218 ₹ 249 ₹ 3,467 ₹ 16,701 83.30%
Mar ₹ 3,258 ₹ 209 ₹ 3,467 ₹ 13,443 86.56%
Apr ₹ 3,298 ₹ 168 ₹ 3,467 ₹ 10,145 89.86%
May ₹ 3,340 ₹ 127 ₹ 3,467 ₹ 6,805 93.19%
Jun ₹ 3,381 ₹ 85 ₹ 3,467 ₹ 3,424 96.58%
Jul ₹ 3,424 ₹ 43 ₹ 3,467 ₹ 0 100.00%
Leave Your Question


The minimum required CIBIL score to avail of a personal loan from Fullerton is 700. Having a low score than 700 can cancel out your chances of getting your loan approved.

Yes, you can undoubtedly use this Fullerton personal loan for marriage or any other individual purpose.

You can submit your document both ways, either upload it online or visit the nearest branch. Fullerton has also launched a new offer where you can send your documents through WhatsApp.

Yes, you can check your loan application status by visiting the official websites of Fullerton. Go to the contact us page and click on the track application option. Provide the prompted details, and you can now see your application status.

In such a case, your CIBIL score or financial history might differ from the lender's eligibility criteria. Make sure to match the lender's eligibility criteria before applying for any loan.

Fullerton India typically requires a CIBIL score of 750 or above to qualify for a personal loan. Your credit score plays an important role in determining your eligibility, interest rate, and loan amount.

Fullerton India's personal loan interest rates start at 11.99% per annum for salaried and self-employed applicants for a maximum tenure of 60 months. The interest rate, along with a processing fee of up to 6% of the loan amount, makes up the total cost of the loan. This means that you can get an EMI as low as ₹ 2,224* per month.

Fullerton India is rated 4.1 out of 5 based on 2.6k reviews by employees on AmbitionBox. Fullerton India is highly rated for its salary and benefits package, which received a rating of 4.1. However, career growth is rated lower at 3.7 and has room for improvement.

Yes, Fullerton India Credit Company Limited is registered as an NBFC - Investment and Credit Company (NBFC-ICC) with the Reserve Bank of India and is a member of SMBC Group.

Shantanu Mitra is the CEO of Fullerton India Credit Company Limited, which is a subsidiary of Fullerton Financial Holdings Pte. Ltd.

Fullerton India Credit Company Limited, a non-banking financial company (NBFC), has become a consolidated subsidiary of SMFG, according to a recent announcement.

No, borrowers do not need to provide any collateral or guarantee to get a personal loan from Fullerton India. The loan is an unsecured one.

No, there are no restrictions on how borrowers can use the loan amount. The loan can be used for any purpose according to the borrower's specific needs, whether it's for a wedding, home repairs, or any other expenses. There's no need to provide any receipts to the lender.

Yes, Fullerton India offers additional benefits to its existing customers. The borrowers can check with the lender to get a good deal on interest rates, processing fees, and other charges.

Yes, borrowers can prepay the loan and close their account by paying the full outstanding amount. However, they need to pay prepayment charges in addition to the outstanding loan amount.

Borrowers can check the status of their loan application by visiting the website of Fullerton India. Alternatively, they may also check the loan status by calling the customer service department of the company.

Fullerton India allows borrowers to foreclose or prepay their personal loans. Foreclosure charges are not applied on floating rate term loans provided to individual borrowers. The foreclosure charges depend on the number of EMIs that have been paid off. If the full payment of 0 to 17 EMIs has been made, the foreclosure charge will be 7%. If the full payment of 18 to 23 EMIs has been made, the foreclosure charge will be 5%. If the full payment of 24 to 35 EMIs has been made, the foreclosure charge will be 3%. Finally, if the full payment of 36 or more EMIs has been made, the foreclosure charge will be 0%.

Fullerton India provides personal loans with benefits including loans up to Rs. 25 lakhs, attractive interest rates, flexible repayment tenures between 12-60 months, and a digital application process.

 Yes, you can submit your documents either online by uploading soft copies or offline by walking into a branch and submitting hard copies. In addition, customers who apply for a personal loan online can now also send their documents via WhatsApp.

Fullerton India offers competitive interest rates for personal loans starting from 11.99% per annum, which are determined by various factors such as credit score, repayment capacity, and occupation of the applicant. The processing fees for the loan can go up to 6% of the loan amount, and there are prepayment charges that can go up to 7% of the loan amount. These charges are nominal in nature.

To be eligible for a Fullerton India personal loan, the applicant should be a resident Indian between the ages of 21 and 60 years. The applicant must be a salaried or self-employed individual with a minimum monthly income of INR 20,000-25,000. In addition, the applicant must have a good credit score of 750 or above, with a good credit history. The applicant must also have a minimum work experience of 1 year.

Fullerton India requires several documents to be submitted when applying for a personal loan. These include a duly filled and signed application form, as well as proof of identity, address, and age. Salaried applicants are required to submit their salary slips for the past three months and bank statements for the past six months. They must also provide their income tax returns or Form 16. Self-employed applicants must furnish proof of income and financial statements in addition to the other required documents. By submitting these documents, applicants can move forward with their loan application process with Fullerton India.

 Fullerton India offers special personal loan interest rates for women borrowers. Women residing in urban, semi-urban and metropolitan areas are eligible to apply for the loan with a maximum loan amount of up to Rs.10 lakh. Female applicants can avail of loans at an interest rate that is lower than the applicable base interest rates. The borrowers can take the loan for extended repayment period of up to 5 years or 60 months, subject to meeting the eligibility criteria. This makes it easier for women to opt for a loan when required and meet their financial needs.

Fullerton India offers personal loans for salaried individuals with amounts as high as Rs. 25 lakh.

Fullerton India offers personal loans with a tenure period ranging from 12 months to 60 months.

Fullerton personal loans can be repaid through equated monthly instalments (EMIs), calculated at a monthly reducing interest rate. Users can pay their Fullerton India Personal Loan EMI online directly to Fullerton India using the online funds transfer facility or via cheque deposit.

One can use the Personal Loan EMI calculator available at Refer Loan.com to understand the monthly payment to be made against the Fullerton Personal Loan. The tool requires the user to enter the loan amount and preferred tenure, and then automatically calculates the Fullerton India Personal Loan EMI, providing the result instantly.

Fullerton India accepts online loan submissions and has partnered with Refer Loan.com for personal loan submissions online. Applying for a Fullerton India personal loan online through Refer Loan.com can help applicants get discounted interest rates, instant e-approval and online loan tracking facility, along with a dedicated customer helpline for any queries or grievances.

No, Refer Loan.com does not charge its members for using the online loan calculator tool. The services provided by Refer Loan.com are free.

Yes, personal data of loan applicants is secure while applying for a personal loan through Refer Loan.com. The website uses high-level encryption while sending personal data to the respective banks, and all data with Refer Loan.com is never shared with any third party except the loan department of the designated bank or non-banking financial company as per the case.

One can foreclose their personal loan by issuing a cheque against their Fullerton India personal loan account. However, Fullerton India allows foreclosure only after successful payment of 6 EMIs.

One can check the status of their personal loan at Fullerton India through a variety of methods. These include visiting the Fullerton India website, calling the customer care executives, giving a missed call at 9594763763, sending an email to namaste@fullertonIndia.com or using the chatbot ‘DIA’. In addition to this, the status of the loan application can be checked at mConnect, the official app for Fullerton India customers or by logging into the internet banking portal.