Fullerton India Personal Loan 2022

Fullerton India offers a variety of loans, out of which, personal loans are of great significance and are widely accepted as a medium to arrange funds in an emergent situation. The personal loans provided by the company can be utilized for various purposes ranging from wedding celebrations, home renovation to medical emergencies, and others. 

The entire process has been designed to cater to its customers with the best value for money in terms of value, service and technology. Fullerton India offers fully customized personal loans that are tailored to one and all are specific needs in times of financial emergencies. 

Fullerton India Personal Loan Highlights – 2021

Following are the attractive points that can also be stated as the highlights of the features and benefits of the Fullerton India Personal Loan 2021. Take a look: 

• High loan quantum 
• Competitive interest rates 
• Easy accessibility of the loan 
• Easy loan application process 
• Minimal documentation 
• No collateral or security required 
• Quick approval and disbursal of the loan 
• Seasonal offers 
• Part-prepayment facility 

Fullerton India is one of leading financial service provider in the country. Apart from the standard interest rates provided on various platforms, the applicable rate may vary on the basis of various factors ranging from the loan amount, tenure of the loan and overall capacity to repay the amount. 

Read More: Fullerton India’s Personal Loan Interest Rate and Other Charges

Fullerton India provides low-cost personal loans to one and all with a very flexible eligibility criterion. An individual who works full time and earns a salary, or someone who is professionally qualified and runs his own establishment, all are prospective applicants and can apply for the loan. The applicant must go through the details mentioned below, in order to check their eligibility for the loan;

Features and Benefits of Fullerton India Personal Loan

High quantum of loan: Fullerton India offers one of the highest quanta of loan in the market at present. The personal loan amount being offered by the company to salaried individuals is ₹ 25 Lakh and ₹ 30 Lakh for self-employed professionals, which is one of the highest as compared to others.

Best in class interest rates: The rate of interest offered by Fullerton India is considered to be the lowest and most affordable in the market. Also, the company provides the reducing balance method to the borrowers, where the overall cost of availing funds is considerably lower.

Simple documentation: Fullerton India provides loan to one and all falling under various categories, which is made possible with an easy and hassle-free process which requires minimal documentation, the company only requires documents related to income and residential status of the borrower.

Quick processing and disbursal: Fullerton India enable its customers with an online infrastructure where one can easily explore the available products and easily upload the required documents for application. As soon as the documents are verified, the loan is approved and disbursed within 3 days.

Convenience of doorstep services: In case, you are an elderly or a senior citizen, who might not be able to visit a branch multiple times in order to get their loan approved, can avail the doorstep services offered by Fullerton India. This service does not only cater to elderly, in case there is a need, a borrower can ask the company to arrange for the same.

Easy monthly repayment: Fullerton India provides good flexibility when it comes to loan repayment. Under this option, a borrower can make good use of reducing balance policy, which in turn saves the additional interest cost. A borrower is allowed to repay the entire loan amount with interest within 60 months from the date of disbursal.

Additional benefits to existing customers: Fullerton India have been amongst the best in proven service standards towards its customers. To make it a reality, the company offers various value-added services to its products like providing easy top-up on the existing loan amount, solving major issues & queries through digital query servicing, and by offering flexible repayment tenures.

For Salaried Individuals –

Individuals majorly working with the central or state government organization, attached Public Sector Undertakings (PSU), public & private limited companies, who receive a net monthly salary in their respective bank accounts are eligible for a personal loan from Fullerton India, all they need to do is provide the documents mentioned below;

For Self-Employed Professionals –

For individuals who are self-employed, belonging to the field of Medical practice like doctors, dentists and others, they are providing accounting or other financial services like CA, CS or CFA, or they may be an established architect running an organization, any one out of these can apply for a personal loan through Fullerton India with the documents mentioned below; 

Fullerton India offers a simple and most easy to use EMI calculator for all the prospective borrowers and customers. With this calculator, you can easily figure out the amount you can bear in a month against your EMI payments, for carrying out the same, one needs to enter the desired amount of loan that they wish to borrow, once selected you can now select the tentative tenure for which you want to keep the funds with yourself. 

Here, we have provided a table that includes the most offered loans in term of the amount of loan being availed at respective rates through Fullerton India. You can also visit Afinoz.com Personal Loan EMI Calculator to calculate EMIs more specific to your needs.

Various amounts of loan offered @ 11.99% for a tenure of 3 years;

Comparative analysis of various personal loan providers at their respective rate of interests on offer, for a tenure of 2 years or 24 months;

Fullerton India offers a wide range of personal loans to various sects of people around us. Keeping the borrower’s best interest in mind, Fullerton India has come up with easy to apply, hassle free personal loans, where you get prominent features like instant approval and many others.

1#. Fullerton India Personal Loan for Women-

Fullerton India provides customized personal loan to women under its Nari Shakti Personal Loan scheme especially for working women or self-sustaining women from urban, semi-urban & metropolitan areas. The rate of interest applicable on these loans are comparatively lower than the applicable base rates for other categories. Under this scheme, a woman can avail a personal loan to the tune of ₹ 10 Lakh, and the repayment period is 24 months to 60 months.

Key Features

2#. Fullerton India Personal Loan for Elite-

Fullerton India offers a unique product to its customers falling under the ‘Elite’ category under their policy norms, treats them with privilege and offers preference over each and every step of their loan application and there on. As suggested by the company, any individual earning ₹ 75,000 or more in a month falls under the ‘Elite’ category and is entitled to a loan amount starting from ₹ 8 Lakh and up to a maximum of ₹ 25 Lakh.

Key features:

3#. Fullerton India Personal Loan for Wedding -

If you have been dreaming about the Big Fat Indian wedding, then Fullerton India is ready to make your dream come true with its personal loan for the wedding. From booking exotic wedding destinations to a grandeur display of food, you can do everything with a personal loan from Fullerton India. The applicant can get the personal loan up to Rs. 25 Lakhs.

Key features:

4#. Fullerton India Personal Loan for Holiday-

Fullerton India’s holiday loan is most suitable for those individuals who possess a keen interest in traveling and find it to be a part of their lifestyle. Traveling across various destinations whether foreign or domestic is expensive and might prove heavy on one’s pocket, for spending good quality time with your family at your desired destination has been made simple with the lowest interest rates on offer for both salaried and self-employed individuals.

Key features:

5#.Fullerton India  Personal Loan for Doctors-

Fullerton India Personal loan for Doctors enables the practicing professionals avail their desired quantum of funds at lowest possible cost. Whether the professional works for the government, any private hospital or is running their own clinic, they can easily avail the loan to the tune of ₹ 30 Lakh for a period of 24 months to 60 months.

Key features:

6#.Fullerton India Personal loan for Home Improvement-

Fullerton India provides a simple and easy to avail solution for all your worries regarding your idea of a home renovation or improvement. A home is where a family resides most of their life, sharing small moments & building memories, so if you are willing to give your home a new look, add more luxury, Fullerton India personal loan for home improvement is the answer to all your wishes. A loan amount to the tune of ₹ 30 Lakh is available under this scheme which can be utilized to cover 90% of all costs. 

Key features:

7#. Fullerton India Personal Loan for Emergency-

Fullerton India understands the urgent need of funds at the time of a medical emergency and always prioritize such applications in their approval process. Fullerton India personal loan for medical emergency shares the burden off your shoulders and provides the required quantum of funds on easy EMIs at the lowest preferred rate of interest. An individual can avail a medical emergency fund to the tune of ₹ 25 Lakh for a minimum of 24 months.

Key features: 

Fullerton India Personal Loan offers its customers an added advantage of transferring their existing loan from another bank or a Non-banking financial institution to their books at very low & attractive interest rates. 

This feature is restricted to a minimum payment of 12 EMIs of the existing loan. Once a customer has paid 12 subsequent EMIs with their current bank, they are eligible for transferring their balance of funds to Fullerton India. 

Fullerton India Personal Loan Top-Up 

The personal loan from Fullerton India has an additional feature that allows a borrower to not only transfer their existing loan, but also they can avail a top-up on that loan. 

In simple terms, it means that a borrower can avail the same amount of funds that they might have initially borrowed from their previous facility, after paying subsequent EMIs they can now re-borrow the amount that has been paid against the previous balance. 

With Fullerton India Personal loan, if an applicant or an existing customer is looking forward to checking the status of their application or their loan account in real-time, they can easily check it on Fullerton India’s website or with the mobile app. 

A customer needs to log in to their respective account by entering their registered mobile number or the customer reference number which is designated to their account. 

They can either use their login passcode to enter or can ask for an OTP (One Time Password), through which they can login. 

Once logged in, the webpage provides all the details regarding the status of the application and all the transactions that have taken place in that loan account. 

Once you apply for a personal loan from Fullerton India, the NBFC starts the loan approval process. All documents are verified and the eligibility of the candidate is weighted. If the company is of the opinion that the loan will be repaid by the applicant, it approves the application and the amount is sanctioned to the borrower. 

You can then check the status of your loan approval process in the meantime. The best and simplest method is to check your Fullerton India Personal Loan Status is through the online portal. The steps are mentioned below: 

• Visit Afinoz and click Track Application. 
• Click on “Track Your Loan Application” in the “Services” tab. 
• Provide your details such as Loan Application ID, Mobile Number and the Date of Birth. 
• Submit the request. 
• The status of your loan application will be provided on the screen. 

Fullerton India provides 24x7 customer support to all its customers and they can reach out to the institution by simply dialing Fullerton India toll-free number, i.e., 1800 103 6001 either from their registered mobile number or from any other handheld phone. 

Fullerton India has deployed a team of experts and technically sound customer service executives who are capable enough of providing solutions to most of your queries, concerns and other grievances regarding the due process of loan application and disbursal. 

Other than the toll-free number, an applicant can also drop an email on namaste@fullertonindia.com in case your query requires the submission of reports or any other document. 

There are various reasons why you should choose Fullerton India as their personal loan partner. Some of the core features and benefits of Fullerton India are listed below: 

• Attractive interest rate- One of the primary reasons people opt for Fullerton India as their loan partner is because it offers competitive interest rates.
• Multipurpose loan- Fullerton India leverages you a personal loan that you can use for weddings, holidaying, meeting medical expenses, hobbies, etc.
• Customized personal loan products- Fullerton India offers a personal loan to applicants curated as per their needs such as for women, the elite class, etc. at lucrative interest rates.
• Easy application and approval- One of the reasons that make Fullerton India a popular choice amongst personal loan seekers is that the entire process of loan application and approval is easy and quick.
• Additional Benefits to existing customers – Customers who already have an existing relationship with Fullerton India get a number of additional benefits such as instant loan approval and disbursal, top-up loan on existing loan, curated interest rates, etc.
• Loan tenure of up to 60 months – An applicant can extend his loan tenure to up to 60 months thus lowering the EMI amount payable every month. This reduces the pressure of repayment from the borrower.

With Fullerton India Personal loan facility, you can easily pay your EMIs through various payment modes. 

This loan comes with various payment options through the means of online payment gateways like Paytm, or you can easily login to your personal account and select the monthly EMI payment option. 

You can also schedule your EMI payments within your personal account, in a way that on the due date the payment gets deducted through your bank account and gets submitted automatically into your loan account.