Are Fullerton India Personal Loan Interest Rates Low Enough to Fit Your Budget?

Fullerton India may not be a prominent lender but has a taste of its own. Particularly, in the personal loan segment, it has been a phenomenal player offering the credit facility. But the question that every borrower asks, whether Fullerton India Personal Loan Interest Rates are good enough to attract them? Well, knowing the interest rate and understanding its dynamics are altogether different. Let’s figure out all in this post. 

How Much is Fullerton India Personal Loan Interest Rate?

Fullerton India Personal Loan Interest Rates range from 12.99%-36% per annum. The actual rate will depend on your net earnings, job or business stability, any existing loan EMI or the location you are based at. 

Impacts of Fullerton India Personal Loan Interest Rate on Your Repayment

The impact of interest rates can be clearly seen on your monthly obligations i.e. Equated Monthly Installment (EMI). If the rate of interest is high, you’ll end up paying more through the EMI. With more, it means a greater EMI & interest. 

Even Loan Amount & Tenure Dictate Your Repayment, Check Out How?

The loan amount has a direct impact on your repayment just like the interest rate. Whereas, tenure bears a different relationship. Most choose the longest tenure to repay a lower EMI, failing to realize the massive interest they will end up paying more to the lender. It is thus advisable to opt for a comparatively shorter tenure to rein in the outflow of interest. 

How Can You Check the Effect of Fullerton India Personal Loan Interest Rates?

You can check the effect using the Fullerton India Personal Loan EMI Calculator. What the calculator does is compute the monthly installments using the loan amount, tenure and rate of interest. You can check the calculator online. 

Shall You Check the Loan Amortization Schedule?

A lot of us don’t check the loan schedule properly and can’t figure out the payment they eventually make. So, if you check the EMI calculator carefully, you can see the principal and interest you’ll pay to the lender. Plus, you can see the outstanding balance that’s likely to be at the end of every year. You can use the schedule to plan a part payment strategy. What this will do is reduce the interest outgo. 

Hey, You Also Need to Check Fullerton India Personal Loan Eligibility Criteria

Fullerton India provides personal loans to the following applicants – 

  • Individuals having aged between 21 and 60 years
  • The minimum income required is ₹15,000 per month. However, those residing in Delhi and Mumbai will need a minimum monthly income of ₹20,000. 
  • Employees of both private and public limited enterprises are eligible to apply

Documents You Need to Submit 

Submit the following documents while applying for Fullerton India Personal Loan. 

Identity Proof – Voter ID/Driving License/PAN Card/Passport/Aadhaar Card

Residence Proof – Voter ID/Driving License/Passport/Aadhaar Card/Utility Bill

Income Proof – Last 3 Months Salary Slips, Last 6 Months Bank Statement, Form 16 

Processing Fee Cheque

Income Tax Returns (ITR)

How to Apply for Fullerton India Personal Loan?

You can apply for Fullerton India Personal Loan on the official website of the private lender. The loan application would require submitting correct personal and professional details to ensure the approval happens quickly. Also, the lender will verify the details from the documents you submit. You will get the approval only upon successful verification.


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