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Fullerton Personal Loan

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Product Rating

4.5 /5

Total - 458 ratings

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298
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9

Delhi - NCR

Mode of Process

Lending Size and Tenure 

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

ROI

11.99% -36% p.a

ROI (Fixed/Reducing)

Fixed

Processing Fees

3%

Foreclosure

After 6 Months with applicable Fees

Partial Payment Allowance

No

Dealing in Unsecured OD

No

USP

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

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.

Here are a few factors about Fullerton Personal Loan 

Mode of Process

Mail/Online 

Location 

Delhi - NCR

Lending Size and Tenure 

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

ROI

11.99% -36% p.a

ROI (Fixed/Reducing)

Fixed

Processing Fees

3%

Foreclosure

After 6 Months with applicable Fees

Partial Payment Allowance

No

Dealing in Unsecured OD

No

USP

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


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.

 

Defense

MCD 4th Grade

Police/CBI/ACB

Malls, SPA & Saloon

NRI

Delivery Boys

Gym

Bartender

Taxi Driver

NGO

Politician

Mandir/Masjid/Gurudwara/Church

Company which are in Liquidation or in BIFR

Minus 1 CIBIL Score 


Eligibility 

Documents Required 

  • 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

 
  • KYC of Applicant (PAN+Passport Size Photo+Adhar Card)
  • Last 3 Month Salary Bank Statement in PDF
  • Last 3 Month Salary Slip if Salary is received by Cheque
  • Ownership Proof Latest Utility Bill (If rented then rent agreement)
  • Copy of Cancel Cheque of Salary Account or Passbook front page
  • All Running Loan Sanction letter with the repayment schedule

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
(A)
Interest
(B)
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%

FREQUENTLY ASKED QUESTIONS

Have a question? We've got answers!

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.

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