Fullerton India Personal Loan

Highlights

  • Fullerton India personal loan comes to you at an attractive interest rate of 14.00%

  • This loan comes handy to meet all your personal needs

Want to avail a personal loan that comes to you with multiple features and benefits? If yes is your answer, you can apply for Fullerton India Personal Loan. The reputed lender offers you this credit facility at an attractive interest rate, thereby allowing you to enjoy the pocket-friendly EMIs and Interest Outgo. Want to know more? Read the page below.

Personal Loan

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    Fullerton India Personal Loan Interest Rate November 2019

    The personal loan interest rates are not uniform and they vary from customer to customer. The interest rates are determined on the basis of various factors such as the loan amount, tenure and repayment capacity of the individual. At present, Fullerton India offers the loan at an interest rate that ranges between 14%p.a. – 33% p.a.

    ParticularsDetails
    Interest Rates14.00% - 33.00%
    Loan AmountUp to ₹30 lakh
    Repayment12 months-48 months
    Processing Fee2% of the loan amount
    Forclosure Charges0-4.00%

    Fullerton India Personal Loan EMI Calculator

    Stuck at long and lengthy EMI calculation? Speed up the process by using the EMI Calculator. Not just that, you can even know the total interest amount and the total repayment amount using the calculator. It computes the value when the information is inserted in the relevant fields and displays the accurate result. The user has to put in the details regarding the amount, repayment period and tenure in the calculator to get the computed values. To know how the calculator works let’s look at the example below :

    For Example – If I avail a loan of ₹3,00,000 for the period of 4 years at the interest rate of 14% p.a. then what would be my EMIs and interest outgo?

    Table Showing EMI, Interest Outgo, and Total Repayment Amount

    Loan AmountInterest RateTenureMonthly InstalmentTotal Interest AmountTotal Amount
    ₹ 3,00,00014%1₹ 26,936₹ 23,234₹ 3,23,234
    ₹ 3,00,00014%2₹ 14,404₹ 45,693₹ 3,45,693
    ₹ 3,00,00014%3₹ 10,253₹ 69,118₹ 3,69,118
    ₹ 3,00,00014%4₹ 8198₹ 93,501₹ 3,93,501

    EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

    YearPrincipalInterestBalance Amount
    1₹ 60,137₹ 38,238₹ 2,39,862
    2₹ 69,118₹ 29,257₹ 1,70,744
    3₹ 79,440₹ 18,935₹ 91,304
    4₹ 91,398₹ 7071₹ 0

    Fullerton India Personal Loan Eligibility Criteria

    The eligibility criteria is given below :

    CriteriaDetails
    AgeMin-21 years; Max-60 years
    No. of years in employment3 years & above
    Current Experience6 months & above
    Net Monthly Income₹15,000/- & above

    Documents Required

    SalariedSelf-Employed
    Application form with a recent photographApplication form with a recent photograph
    Proof of identity (passport copy/ voter ID card/ driving license/ PAN card)Proof of identity (passport copy/ voter ID card/ driving license/ PAN card)
    Address proof (ration card/ telephone bill/ electricity bill/ Rental agreement / passport copy/ bank passbook or statement/driving license)Address proof (ration card/ telephone bill/ electricity bill/ Rental agreement / passport copy/ bank passbook or statement/driving license)
    Age proof (PAN card, passport, any other certificate from a statutory authority)Age proof (PAN card, passport, any other certificate from a statutory authority)
    Bank statements (bank statement / bank passbook for last 6 months) or last 3 months salary slipProof of business existence
    Form 16Bank statements (bank statement / bank passbook for last 6 months)
    Income tax returns for last 3 yearsProfit and loss statement for last 3 years
    Processing fee chequeBalance 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 Status

    In case you want to know the real-time status of your personal loan, it is absolutely easy to do the same. You simply need to log in to your account and can access your personal loan anytime. It is easy for you to know whether your loan application has been accepted, rejected or pending as everything is now on your fingertips all thanks to this online facility that allows you to know the status without any hassle.

    Fullerton Personal Loan Contact Number

    In order to get in touch with the customer care executives of Fullerton India, all you need to do is just dial 1800 103 6001 either from your landline or mobile number. For all your queries, concerns, feedback, suggestions and complaints, the friendly team of experts at Fullerton will always there to help and guide you. These professionals by using their years of experience and expertise always give you the best solutions and hence make your personal loan journey a hassle-free experience. You can anytime get in touch with these experts and ask for their proper guidance and support to enjoy a hassle-free loan journey.

    Fullerton Personal Loan Statement Online

    You can check the statement of your personal loan by visiting the official website of Fullerton India. The lender allows you to know each and every detail of your loan in a hassle-free manner. The statement includes all the required details related to your account, which makes it easy for you to keep a tab on everything on the go. Isn’t it great? Of course, it is!

    Does Fullerton India Offer a New Personal Loan After Closing a Previous Personal Loan?

    Yes, you can easily get a new personal loan from Fullerton India soon after closing your previous loan. But while availing this new loan, make sure you have a minimum gap of at least 9 or 12 months. Yes, doing so won’t hamper your CIBIL score. The process of applying for a loan in Fullerton is easy and quick as you can either apply online or go for an offline mode to get the loan.

    Can you get a personal loan from Fullerton India when you are having an existing bike loan?

    Yes, you can get a fresh personal loan from Fullerton India even when you are having an existing bike loan. In such a case, the lender usually checks the monthly income of an applicant and the existing loan EMI that he/she is paying to the lender. If the monthly expenses of a borrower are such that he/she can afford to repay another loan, Fullerton India will easily give away the loan to the applicant.

    What if your personal loan application has already been rejected from Fullerton India, would you be able to apply again?

    Once your loan application has been rejected from Fullerton India, you won’t be able to apply again in the same. Once your application has been rejected, it is advisable that you should wait for some time, say 6-7 months in order to apply again. However, the reason being, if you wait for some time, it helps in boosting your CIBIL score. And, if your CIBIL is good, in such a case, you would be able to easily apply again with the same lender. Having a good score is definitely going to work in your favour as it helps you in enjoying the best deal. So, if you are someone whose loan application has been recently rejected with Fullerton India, all you need to do is just wait for some time so that not only your CIBIL will get boosted but the same will also help in creating a good image of yours.

    Features and Benefits

    • Best in class interest rates
    • Simple documentation
    • Quick processing & Disbursal
    • Enjoy the convenience of doorstep service
    • No requirement of a collateral/guarantor
    • Easy monthly repayment

    About Fullerton India Personal Loan

    Being a Non-Banking Finance Company, Fullerton India is known for offering a wide range of financial products. Yes, with its many financial products such as personal loan, it fulfills the needs of many. When it comes to a personal loan, this renowned company leaves no unturned to meet all your desires. Yes, whether it’s your child’s marriage, furnishing the home, family holiday or funds for the higher education, Fullerton India with its flexible and thoughtfully designed personal loans satisfies the needs of all.

    Moreover, this company with its easy and simple personal loan procedures understands your requirements and helps in turning your dreams into reality. So, if you are also looking to buy the personal loan from this reputed company, read this article further. Yes, in this article, you will find the details of personal loan offered by Fullerton India.

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