
Here are a few factors
Location | PAN INDIA |
CIBIL Score | 705+ |
Minimum Salary Per Month | 25000+ |
Salary Mode | NEFT,RTGS & COMPANY TRANSFER |
Applicant Age | 21 Year to 65 Year |
Loan Amount & Tenure | 1 Lac to 25 Lac (12 Month to 60 Month) |
Rate of Interest (Type) | 14% to 32% (Reducing) |
Processing Fees | 1% - 3% |
Processing Mode & TAT | Processing: Online TAT: 3 Day to 7 Days |
Foreclosure Charges | 1% - 7% |
Part Payment Allowed | No |
OD Product | No |
BT+TopUp | Yes |
Minimum Job Experience | 3 month Continuous Salary |
Current Employer Business Vintage | 6 Month |
FOIR | 70% of Net Salary |
Whether Co-Applicant Mandatory | No |
USP | 1.
Higher FOIR 2. Loan upto 5 Lac to Minus 1 CIBIL |
Negative Profile | 1. Employee whose Salary receive in Cash, UPI & IMPS 3. NGO Employee, 4th Grade Employee, Defence Employee, Police, Mall Employee, SPA & Saloon, Gym Employee, Bar Tender, Taxi Driver |
Fullerton Personal Loan EMI Calculator
Interest Type
Loan Amount
Interest Rate
Loan Tenure
Loan Amount | ₹100,000 |
Interest % | 14 % |
Tenure (months) | 12 |
Emi (monthly) | ₹ 8,979 |
Total Interest | ₹ 7,745 |
Loan Amount + Interest | ₹ 107,745 |
Year | Total Principal ( A ) | Total Interest ( B ) | Balance ( A + B) | Total Payment | Loan Paid Till Date (%) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
₹ 100,002 | ₹ 7,746 | ₹ 107,748 | ₹ 0 | 100.00 % | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Required Documents to Apply for Fullerton Personal Loan
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KYC of Applicant (Adhar Card+Pan Card+Passport Size Photo)
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Last 3 month Salary Slip
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Last 6 month Bank Statement in PDF
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Form 16 of last 2 year
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Rent Agreement if rented or Utility Bill if residence is owned
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Sanction Letter of all current running loan if any
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Office ID Card or Official EMAIL ID if any
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 1-25 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.
Contact No. :- 1800 103 6001
Email :- [email protected] |
Start with Fullerton Personal Loan in few steps
If you are planning to apply for a personal loan at Fullerton there are certain details that you should be aware of, Let’s discuss:

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.

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
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 700 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 14% 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 3% of the loan amount, makes up the total cost of the loan.
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 14% 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 65 years. The applicant must be a salaried or
self-employed individual with a minimum monthly income of INR 25,000 and above. In
addition, the applicant must have a good credit score of 700 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.25 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 installments (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 referloan.in 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 referloan.in for personal loan
submissions online. Applying for a Fullerton India personal loan online through referloan.in 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, referloan.in does
not charge its members for using the online loan calculator tool. The services
provided by referloan.in are free.
Yes, personal data of
loan applicants is secure while applying for a personal loan through referloan.in. The website uses high-level encryption while sending personal data to
the respective banks, and all data with referloan.in 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 [email protected]
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.