Description

Fullerton India is a renowned NBFC( Non Banking Financial Company) launched in January 2007 and headquartered in Mumbai, having successfully and strongly established itself by spreading across India’s broad financial landscape, with a network of over 528 branches and serving over 1.6 million customers. Their primary services comprise of financing of SMEs for working capital and growth, loans for commercial vehicles and two-wheelers, home improvement loans, loan against property, personal loans, working capital loans for urban self-employed professionals and loans for rural livelihood advancement, rural housing financing and financing of various rural micro-enterprises.

Fullerton India Personal Loans

A sudden and unexpected need for expenses can arise anytime and often, a Personal Loan is an immediate and convenient solution. Whether it is higher education for your children, the marriage of your child, furnishing of your home, or simply a holiday with family, a personal loan can come to the rescue. You can meet all sorts of financial requirements without worrying about being restricted by the end-use of the loan amount, or the need to raise collateral or security. Fullerton India provides personal loans to individuals and businesses to advance and progress in their lives. It covers a wide range of needs and caters to a variety of financial requirements with a quick loan approval and disbursal. Fullerton India provides a wide range of pre-approved personal loans to its pre-existing customers from time to time. The personal loans with Fullerton India comes with a lot of features and benefits including competitive rates of interest and a loan tenure period extending up to 48 months.

About Afinoz

Afinoz.com is India's topmost online financial marketplace for availing loans and investments. Our main objective is to make the process of getting a loan or making an investment safer, convenient and hassle-free for individuals. We work with public and private banks, NBFCs and mutual fund houses across the country and offer an unbiased quotation on financial products. You can contact our team to get more information or apply for a loan or investment by calling on +919899889816 or by emailing at info@afinoz.com. Afinoz.com provides solutions which are quick, reliable, transparent, confidential and above all ,free.

Features and Benefits

Features and Benefits of Fullerton India Personal Loan:

Fullerton India has attractive features and benefits from an easy loan approval to higher loan amounts with a flexible loan tenure. Here are some features and benefits of the Fullerton India personal loan:

  • 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

The Fullerton India personal loan eligibility or Fullerton India personal loan interest rates can be easily accessed through Afinoz. If there is any query about the Fullerton India personal loan application, you should log on to afinoz.com or call us on +919899889816 or mail us at info@afinoz.com and get all the details quickly.

We also offer other financial products such as Business Loan, Home loanPersonal Loan By SBI, Auto loanEducation loanPNB Business Loan etc. from the top bank s and NBFCs at the lowest possible interest rates with no hassle. Our aim is to make financial products reasonable and easily accessible to everyone. We promise to provide quick, reliable, transparent and confidential solutions without any charge. We provide the Best Personal Loans In India

Types of Personal Loan Offered by Fullerton India

1. Personal Loan for Women- This is one of the significant personal loan products provided by Fullerton India. This loan provision has been initiated to empower women. It hosts unique benefits and privileges to women availing this loan.

Key features:

  • Instant loan approval - Fullerton India is known for instant loan processing, approval, and disbursal
  • Loan disbursement in 72 hours- Once the loan application is approved and processed, Fullerton India disburses the loan within 72 hours.
  • No collateral- There is no need to have collateral for the loan
  • Attractive interest rate- At Fullerton, one can get attractive interest rates to encourage women borrowers to apply for the personal loan.

2. Personal Loan for Elite- All individuals having a minimum income of Rs. 75,000 per month are considered to fall in the elite category. They are eligible to get a minimum loan of Rs. 8 Lakhs, and the maximum loan amount is Rs. 20 Lakhs.

Key features:

  • Instant loan approval- Fullerton India approves the loan application almost instantly for the Elite applicants
  • Loan disbursement in 72 hours- Fullerton India disburses the loan within 72 hours after the successful approval of the loan application.
  • No collateral- No collateral has to be provided for the loan
  • Attractive interest rates – An applicant gets the loan at attractive interest rates of 11.99% onwards
  • Doorstep delivery- Fullerton is known for its customer-centric approach, they get the documents picked up from your home

3. 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 destination 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:

  • Instant loan approval- The loan is approved instantly after the analysis of documents and entries
  • Loan disbursement in 72 hours- Once the loan application is approved and processed, the loan amount is disbursed within 72 hours.
  • No collateral- There is no need to provide collateral for personal loan for wedding
  • Attractive interest rate- At Fullerton, the loan can be availed at interest rates starting from 11.99%
  • Doorstep delivery- The documents are picked up from the applicant’s home

4. Personal Loan for Holiday- Have you been waiting for a family trip or a luxury vacation, but were lacking funds? Fullerton offers you a personal loan for a holiday. The loan will help you meet all your travel expense so that you travel worry-free. One can avail personal loan up to Rs. 25 Lakhs and pay it back in the tenure of 24 months to 60 months.

Key features:

  • Instant loan approval – As soon as the application is submitted, the loan gets approved
  • Loan disbursement in 72 hours- Fullerton India disburses the personal loan for holidays within 72 hours so that you can even go on unplanned vacations.
  • No collateral- There is no need to provide collateral for this loan
  • Attractive interest rate- Fullerton provides the loan at an attractive interest rate

5. Personal Loan for Doctors-This loan is for doctors and consultants practicing in a government hospital. The applicant can get the personal loan up to Rs. 25 Lakhs and pay it back in the tenure of 15 years.

Key features:

  • Instant loan approval- After the document verification, the loan is approved instantly
  • Loan disbursement in 72 hours- It takes not more than 72 hours for Fullerton India to disburse the loan.
  • No collateral- There is no need to have collateral for loan application
  • Attractive interest rate- At Fullerton, you will get an attractive interest rate of 11.99% onwards
  • Doorstep delivery- Fullerton India makes arrangements for the documents to be picked up from the applicant’s home itself

6. Personal loan for Home Improvement- If you have been willing to renovate your house or do some repair, this is the right time. Personal loan for home improvement by Fullerton India gives you the freedom to redesign your house the way you like.

Key features:

  • Instant loan approval- The loan gets approved instantly and without much hassles
  • Loan disbursement in 72 hours- After the approval and documentation is done, the loan gets disbursed in as less as 72 hours from the time of loan approval
  • No collateral- Even though it is for home renovation, no collateral is involved in this loan
  • Attractive interest rate- The interest rate of personal loan for home improvement starts from 11.99%
  • One can get a maximum loan of up to 90% of the home improvement cost

7. Personal Loan for Emergency- Medical emergencies is uninvited and unexpected. To meet such emergency expenses, Fullerton offers personal loan for an emergency. One can avail personal loan up to Rs. 25 lakhs and pay it back in easy EMIs.

Key features:

  • Instant loan approval- In case of an emergency, it is a boon if the loan gets approved immediately
  • Loan disbursement in 72 hours- The loan gets disbursed within 72 hours to allow the applicant to tackle the emergency situation without much hassle.
  • No collateral- No collateral has to be provided for this loan application
  • Attractive interest rate- At Fullerton, you will get an attractive interest rate

Eligibility & Document Required

Fullerton India Personal Loan Eligibility Criteria:

Fullerton India provides personal loans with very flexible eligibility criteria. Salaried individuals as well as self-employed individuals can avail personal loans from Fullerton India. However, the applicant of a Fullerton India personal loan must fulfill the below mentioned eligibility criteria:

Fullerton India personal loan eligibility criteria for salaried individuals

  • Age limit: The required age of a salaried applicant for the Fullerton India personal loan application is of minimum 21 years to a maximum of 60 years at the time of loan maturity
  • Net salary: The salaried individuals should have a minimum monthly income Rs. 18,000 to get a personal loan from Fullerton India
  • Total years in job/profession: Individuals who have been in the same job/profession for at least 3 years can apply for Fullerton India personal loan
  • Years in current residence: The applicant should be living in his/her current residence for a minimum of 1 year
  • The minimum loan amount that can be availed is Rs. 50,000
  • The maximum loan amount that can be availed is Rs. 20 lakhs
  • A Fullerton India personal loan tenure ranges from 12 months to 60 months

Fullerton India personal loan eligibility for self-employed individuals and working professionals

  • Age limit: The required age of a self-employed applicant for a Fullerton India Bank personal loan application is minimum 21 years to a maximum of 65 years at the time of loan maturity
  • The minimum income required is Rs. 18,000 per month
  • Business stability: The Self-employed individuals should be in the current business for at least 2 years to apply for a Fullerton India personal loan
  • The self-employed individuals can avail a loan amount of up to Rs. 30 lakhs
  • The maximum tenure is 60 months

Eligibility and EMI calculator: Now, you can easily evaluate and calculate your Fullerton India personal loan eligibility and Fullerton India personal loan EMI amount using utility tools like the personal loan eligibility calculator and the personal loan EMI calculator at Afinoz.com. These calculators will help you to determine your EMI outflow every month including the interest rate you will need to pay. Using the calculator at Afinoz.com is free, easy and simple.

CIBIL score: The credit score is an important factor for the approval of your loan. Usually, an applicant’s creditworthiness is determined by evaluating his credit score i.e. CIBIL / EXPERIAN score. The loan applications of applicants having a poor credit score may get rejected. It’s always advisable to keep on updating your credit score every now and then. If you have a bad credit score and somehow your loan application gets approved, you might be asked to pay a higher rate of interest and be offered unfavorable terms and conditions on your loan as compared to someone who has an excellent credit score.

Fullerton India Personal Loan Documents Required

For obtaining the maximum amount of personal loan from Fullerton India, a borrower should produce the following documents according to their business profiles as follows:

Required documents for salaried individuals:

  • Application form with recent passport sized photographs
  • 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)
  • Proof of Age (PAN Card, Passport, any other certificate from a statutory authority)
  • Bank Statements (Bank statement / Bank Passbook for last 6 months) OR last 3 month’s salary slip
  • Form 16
  • Processing fee cheque

Required documents for Self-Employed individuals

  • Loan application form with recent photographs
  • 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)
  • Age proof (PAN Card, Passport, any other certificate from a statutory authority)
  • Proof of business existence
  • Bank Statements (Bank statement/Bank Passbook for last 6 months)
  • Profit and loss statement for last 3 years
  • Balance sheet for last 3 years
  • ITR for last 3 years (for self and business) duly certified by a CA
  • Processing fee cheque

Apply for a Fullerton India personal loan online at Afinoz.com. You can call us at +919899889816 or email us at info@afinoz.com.You can check your eligibility and tentative EMI for the Fullerton India personal loan using our utility tools like the personal loan eligibility calculator and the personal loan EMI calculator. We assure you of our best services without any hassle and effort at the click of a button from the comfort of your home or office. Once you complete and submit your Fullerton India loan application through Afinoz.com, you can effortlessly track your loan application status on our website on a real time basis, 24x7.

Interest Rate & Charges

Fullerton India personal loan interest rates

General - Interest Rates

20% to 49% per annum.

Loan tenure

Minimum 12 months

Maximum 60 months

Processing Fee

Upto 6.5% of the total loan amount

Maximum Loan amount

Rs. 50,000 to Rs. 20 lakhs for Salaried Individuals

Up to Rs. 30 lakhs for Self-employed Individuals

Age

21 to 60 years for Salaried Individuals

21 to 65 years for Self-employed Professionals

Minimum net monthly income

Rs. 18,000 per month

Special Note: Rates are subject to periodic changes. The Personal loan interest rates in Fullerton India and other fees/charges are subject to regular reviews and can vary from customer to customer depending upon a number of factors like credit score, existing loans, amount of savings, the company with which you are currently employed, the number of years of relationship with Fullerton India etc.

Fullerton India Personal Loan Interest Rate Calculator

Personal loans have made it easy for individuals to fulfil their dreams, it may be a luxury vacation or a grandeur wedding, or even renovating your house; personal loan makes it easy for individuals to fulfil their desires and pay it back in EMIs. Fullerton India personal loan interest rate calculator allows one to add the loan amount he are looking for, tenure and get the EMIs.

You can calculate the EMI amount by yourself as well. All you need to do is to fill in the data and based on the following formula, calculate the EMI:


Where, E is the EMI

P= Principal amount (loan amount)

n= Number of years

r= Personal Loan Interest Rate charged per month

How to Check the Fullerton India Personal Loan Application Status?

Once you apply for a personal loan by Fullerton India, the NBFC starts the loan approval process. All documents are verified and 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.

An applicant can check the status of his loan approval process in the meantime. The best and simplest method is to do so 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

Why should you choose Fullerton India for Personal Loans?

There are various reasons why one can choose Fullerton as their personal loan partner; some of the reasons 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 which 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, elite class, etc. at lucrative interest rates.
  • Easy application and approval- One of the reasons that make Fullerton India a popular choice amongst the 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.

Why Afinoz?

Why should you apply for Fullerton India Personal Loan through Afinoz.com?

Afinoz.com is one of India's leading personalized financial marketplaces. It has created a personal loan platform which lets you choose the best personal loan from  multiple options available to you. All the options are system generated, taking into consideration your specific needs and requirements.

  • Instant Approval – Once you fill in and submit the application form along with the mentioned documents, you will get your e-approval within 2 to 3 days.
  • Real-time application tracking – Keep track of the application status in real-time with a unique transaction id which is generated at the time of the loan application submission. We ensure that all the applicants are kept informed about their application process at each step via SMS and emails.
  • Online eligibility check - Do all your dealings with the bank online. Provide your basic information and our online personal loan eligibility calculator will let you know the amount of loan you are eligible to borrow from Fullerton India for your personal financing.
  • Secure Environment - Afinoz.com has a built-in security for your personal information which is stored in a secure environment in our system with your consent. This information is then sent to the bank in an encrypted format digitally and in a very secure way.
  • 24/7 Customer Service - At any stage of the process ,if you have any query or seek any financial advice, our experienced and well-trained customer service team will offer the best financing/investment solutions to your problems. So there's no need for you to waste time and make multiple trips to the bank to discuss loan specifications with the bankers.
  • No third-party agent – The Afinoz.com online loan application process is absolutely free. Through Afinoz ,one can directly approach multiple banks online without involving any agent and therefore avoiding unnecessary delays and hassles.

Free quotations – Get online deals on Fullerton India personal loans and free unbiased quotes of the best personal loan rates. All you have to do is to select the loan amount you want to borrow and the tenure of the personal loan. You will get a targeted online quote within minutes of application

Compare Fullerton​​​​​​ personal loan with other Banks

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Central Bank Personal Loan RBL Personal Loan  PNB Personal Loan Vijaya Bank Personal Loan
Bank of Baroda Personal Loan Uco Bank Personal Loan Allahabad Personal Loan  Capital First Bank Personal Loan

FAQs

Query- What is EMI?

Reply- EMI stands for Equated Monthly Installment. It is the amount which you have to pay on a monthly basis to repay your personal loan over a specific period of time.

Query- How do I calculate EMI?

Reply- You can use the online Personal Loan EMI Calculator at Afinoz.com in order to calculate the EMI that you might be paying each month towards the repayment of the loan.

Query- Who can apply for a Fullerton Personal Loan?

Reply- The Fullerton India Personal Loan can be availed by the salaried as well as self-employed individuals.

Query- Do I need to pledge any collateral or security in order to avail a Personal Loan from Fullerton India?

Reply- No, there is no requirement to pledge your assets or provide any collateral to avail a Personal Loan from Fullerton India.

Query- Is there an option to foreclose or prepay my loan?

Reply- Yes, you can foreclose your loan after payment of a minimum of 6 EMIs.

Query- What is the maximum personal loan amount available from Fullerton India?

Reply- The salaried individuals can avail a loan amount up to Rs. 20 lakhs. While, the self-employed individuals can avail a loan amount up to Rs. 30 lakhs. A borrower needs to fulfill certain stipulations like income bracket and other criteria in order to be approved for a certain loan amount from Fullerton India.

Query- I have already availed a loan from Fullerton. Do I get any offers from Fullerton India for getting a loan from them again?

Reply- Yes, if you are an existing customer of Fullerton, you will get additional offers and benefits like speedy processing and better interest rates. In addition, you will be eligible for a pre-qualified top-up on your existing outstanding principal.

Query- What is the present Fullerton India Personal Loan Interest Rate?

Reply- The interest rate of Fullerton India varies with every customer and depends on some parameters like credit history and credit score.

Query- What are the tenures for a Fullerton India personal loan?

Reply- Fullerton India provides personal loans with a flexible tenure ranging from 12 months to 60 months, making it suitable for all loan seekers.

Query- How much EMI would I need to pay for my Fullerton India personal loan?

Reply- You can use the EMI calculator at Afinoz.com to understand the monthly payment you need to make against your Fullerton India Personal Loan. All you need to do is to simply answer a few questions. The tool will automatically evaluate your Fullerton India Personal Loan EMI and provide the result instantly.

Query- Why should I apply for a Fullerton India personal loan through Afinoz.com?

Reply- Afinoz.com has an exclusive collaboration with Fullerton India for personal loan submissions. Applying for a Fullerton India personal loan online can get you the best interest rates and instant e-approval, along with a dedicated customer support for any queries or grievances.

Query- Are the personal loan calculator tools of Afinoz.com free to use?

Reply- Yes. The Afinoz.com loan calculator tools are completely free as we are not charging any commission for the services we provide.

Query- Can I know the EMI amount for my personal loan in advance?

Reply- Yes, we have a unique EMI calculator tool that offers the EMI breakup for all loans by simply entering the loan amount, tenure and the rate of interest. You can compare the EMI for different loan amounts and tenures with our tool and finalize the best suited plan for your budgets before applying for a Fullerton India personal loan.

Query- Is my data safe with Afinoz.com?

Reply- Absolutely. Afinoz.com does not share data with any third-party agent other than the financial institution for application. All data is sent with a high level of encryption making it safe and secure at all times.

Query- After applying online with Afinoz.com, when will I get the loan amount disbursed and how long will it take?

Reply- Afinoz.com immediately submits your Fullerton India personal loan application to the respective branch. A representative from us will then get in touch with you soon to collect the documents like salary certificate, identity proof etc. On submitting these documents, the institution initiates the verification process and checks your CIBIL score and disburses the loan if all you are found eligible. The process may take from 48 to 72 hours.

Query- How can I foreclose my Fullerton India personal loan?

Reply- You can easily foreclose your personal loan by issuing a cheque against the Fullerton India personal loan account. Please note, the company allows foreclosure only after a successful payment of 6 EMIs.

Query-If I have a sudden fund requirement, can I use a cash advance on my credit card ?

Reply- Yes, you can. But, withdrawing cash by using your credit card can be very costly if you do not make timely repayments. Cash withdrawals on Credit cards usually draw high interest rates. Additionally, a transaction charge is also levied on you if you withdraw cash from your credit card through ATM. On the other hand, personal loan from fullerton india comes with much cheaper fullerton india personal loan rate of interest. personal loan status in fullerton india also comes with easier repayment options, as compared to credit cards.

 Query-  How can I keep a track of my fullerton india personal loan status ?

Reply- When you apply a fullerton india personal loan, you are given a unique transaction id (generated when you submit the loan application). You are kept  informed about your personal loan status in fullerton india at every step   through SMS and emails.

Query-  For what purpose can I use the fullerton india personal loan?

Reply-  A personal loan from fullerton india offers the most flexible personal loans as per the requirements and needs of the borrowing individuals. The personal loan in fullerton india can be availed pretty much for any genuine credit need of yours.

For any query about a  Fullerton India personal loan application, you can log on to afinoz.com or give us a call at +919899889816 or mail us at info@afinoz.com

Reviews

Hi myself Rajat Vikash in July I was looking for Personal Loan then I got referance for Afinoz Personal Loan Services. And I applied for Personal Loan and Thanks to Team Afinoz for there support to get disbursed my loan within a week.
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Myself Priytam I was thinking that I can't avail Personal Loan Just Because I have bad Credit Score. But thanks to Team Afinoz for there long product so somehow I got Personal Loan from Afinoz Fullertan India. Again Thanks to Team Afinoz
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