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When expenses arise, like buying your first Smartphone, your dream vehicle, your child's marriage, furnishing your home, higher education for your children or a family holiday, simply knock Fullerton India doors and let us help you turn your dreams into reality. With Fullerton India’s range of Personal loans, meet all sorts of financial needs without worrying about keeping any collateral or property. Fullerton India’s range of personal loans are simple and flexible, designed with your changing needs in mind.

LoanMoney help you to embark on your dream at the right time with FullertonIndia Personal Loan opportunities available! Follow a few simple steps to help LoanMoney team understand your requirements.

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  • CIBIL > 700 can Apply
  • Salary Above 16000/-
  • Minimum Job Experience of more than 1 yrs.
  • Any Running/Closed 6 months track of any Credit card/ Loan.
  • Business Loan - Self Employed with ITR >= 2 Lacs

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  • Who can apply for a Personal Loan?
    Fullerton Personal Loan is available for salaried individuals as well as self-employed individuals.
  • Do I need to hypothecate my assets or provide any other collateral to avail a Personal Loan from Fullerton India?
    You do not need to hypothecate any assets to avail a Personal Loan from Fullerton India.
  • What is the maximum loan amount I can avail?
     You can avail up to ` 15 Lakhs if you are salaried and `30 Lakhs if you are a self- employed businessman. The actual loan amount eligibility will be calculated based on your income and other  parameters that the Fullerton India Relationship Manager will explain.
  • What is the minimum and maximum Loan tenor I can avail?
    You can repay your loan over a period of 12 months to 48 months.
  • How much would I need to repay each month?
    At the time of booking of your loan, the EMI (Equated Monthly Installments) will be calculated based on the loan amount sanctioned, interest rate and the tenor.
  • What is an EMI?
    EMI or 'Equated Monthly Installment' is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.
  • Can I foreclose or prepay my loan?
    You can foreclose your loan after a minimum period of 6 Months.
  • Is there any advantage that I can get if I have already availed a Fullerton India loan earlier?
    Yes, if you are an existing customer of Fullerton India, you will get additional benefits on the processing time as well as the interest rate. What's more, you will be eligible for a pre-qualified Top Up on your existing Principal Outstanding.
  • Why shouldn't I avail my sudden need for cash through a 'cash advance' on my credit card? 
    Your credit card can be an option, but withdrawing cash using a credit card can turn out to be very costly if you do not  repay it quickly. Interest rates on credit card cash withdrawals can go as high as 40 per cent on an annual basis depending on the type of card you use and you also do not get the interest free period to pay back. Inshort, interest is charged from the moment you withdraw the cash. There is also an additional transaction charge that is levied on the  withdrawal at the ATM. In comparison, a Personal Loan is cheaper and the repayment can be spread over a long period.

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  • KYC or 'Know your Customer' formalities and documents
  • Proof of Income and expenditure
  • Application Form and Legal formalities

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  • As per Loan Amount - Minimum Interest Rate 15%*
  • Business Loan 18% and Above

* Flat Rates

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About Fullerton India Personal Loan

Fullerton India primary services constitute financing of SME for working capital and growth, loans for commercial vehicles and two-wheelers, home improvement loans, loans against property, personal loans, working capital loans for urban self-employed and loans for rural livelihood advancement, rural housing finance and financing of various rural micro enterprises.

Working together with over 9,800 employees, Fullerton India reach our market by connecting with millions of customers, towns or villages, right at their doorstep. Fullerton India penetrate deep inside the market through more than 514 branches, covering 600 towns and close to 50,000 villages.

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 Financial Holdings invests in financial institutions in emerging markets with Fullerton India prime focus on Business and Consumer banking.

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  1. Rate of Interest is depending on Loan Amount Approved.
  2. Salaried Employee above Rs. 16,000/- can Apply
  3. Self Employed with ITR >= 2 Lacs

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  • Loan Approval in 3 days
  • All Employee of Private Limited Concern
  • All Employee of  Limited Companies
  • CIBIL Above 700 Can apply
  • A continuous relationship based funding model to meet finance needs as and when required through a variety of products
  • Flexibility with regards to the loan based on the requirement
It is a type of unsecured loan and helps to meet your current financial needs. You don't need any security/collateral while availing it. Personal Loan is your solution for instant cash and can be used for travelling, wedding, medical emergency, home renovation, or anything else.
Home Loan is a Secured loan offered against the security of a house/property which is funded by the banks and NBFCs the property could be a personal property or a commercial one. Home loans consist of an adjustable or fixed interest rate and payment terms.
Loan Against Property belongs to the secured loan category where the borrower gives a guarantee by using his property as security. Banks and financial institutions offer this LAP, which can either be a residential/commercial building or a piece of land.
A Business Loan is a loan specifically intended for business purposes. As with all loans, it involves the creation of a debt, which will be repaid with added interest. Banks and other financial institutions are there to provide you with suitable lending assistance.
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