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Compare ICICI Bank vs Fullerton India Personal Loan

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Interest Rate
Interest Rate
10.50% - 22.00%
11.99% - 18.99%
Processing Fees
Processing Fees
upto 2.25% of the loan amount
Loan Amount
Loan Amount
₹ 50,000 to ₹ 30 Lakh
₹ 50,000 to ₹ 25 Lakh
Loan Tenure
Loan Tenure
12 to 60 Months
12 to 48 Months
Lowest EMI Per Lakh
Lowest EMI Per Lakh
₹ 2,149
₹ 2,633
Part Payment Charges
Part Payment Charges
Not Allowed
Not Allowed
Foreclosure Charges
Foreclosure Charges
Allowed after 6 months at 5%
Allowed after 6 months at 1 -17 months: 7%, 18 - 23 months: 5%, 24 - 35 months: 3%, After 36 months: Nil
Eligible Age
Eligible Age
23 to 58 Years
21 to 58 Years
Minimum Income
Minimum Income
₹ 25,000
₹ 17,000
Current Work Experience
Current Work Experience
12 Months
1 Month
Total Work Experience
Total Work Experience
24 Months
12 Months
Customer Ratings (Read Reviews)
Customer Ratings (Read Reviews)
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Compare Personal Loan EMI of ICICI Bank and Fullerton India

Loan Amount ICICI Bank Fullerton India
₹ 1 Lakh ₹ 2,149 ₹ 2,633
₹ 5 Lakh ₹ 10,747 ₹ 13,164
₹ 10 Lakh ₹ 21,494 ₹ 26,329
₹ 12 Lakh ₹ 25,793 ₹ 31,595

Which is a better bank for Personal Loan – ICICI Bank or Fullerton India?

ICICI Bank offers lower Personal Loan EMI at Rs. 2149 for 60 Months compared to Fullerton India with a minimum EMI of Rs. 2633 for 48 Months. In addition, average customer ratings for ICICI Bank is currently at 4.5/5.0, making it a good choice for taking a Personal Loan.

How does ICICI Bank Personal Loan compare with Fullerton India Personal Loan?

It is important to make a detailed comparison of ICICI Bank and Fullerton India on all loan terms and conditions to understand their differences and make an informed decision. Keep in mind that each bank’s scheme has its pros and cons that have to be evaluated before choosing the best offer. Some of the key results of the comparison between the two banks are:

  • Lowest Interest rate of ICICI Bank Loan is 10.50%, which is lower than the lowest interest rate of Fullerton India at 11.99%. Hence, ICICI Bank is offering a cheaper loan option.
  • Compared to other Personal Loan charges such as processing fees, ICICI Bank charges a processing fee of upto 2.25% of the loan amount, while Fullerton India charges a processing fee of Upto 2%.
  • ICICI Bank offers Personal Loan upto an amount of ₹ 30 Lakh, while Fullerton India offers Loan upto an amount of ₹ 25 Lakh. Therefore, ICICI Bank can be a better option if you are looking for a high value amount.
  • One feature that makes Personal Loan a better option is the foreclosure facility. Fullerton India and ICICI Bank gives the option to close the loan after 6 months at 1 -17 months: 7%, 18 - 23 months: 5%, 24 - 35 months: 3%, After 36 months: Nil and 5%. This makes Fullerton India a better option for Personal Loan.
  • ICICI Bank has an average customer rating of 4.5. In contrast, Fullerton India has an average customer rating of 4.1, based on which it is clear that ICICI Bank has a high customer service focus, an easy process and a quick turnaround.

Which bank offers a lower interest rate on Personal Loan – ICICI Bank or Fullerton India?

As per the current rates, ICICI Bank offers a lower interest rate of 10.50% on loans compared to Fullerton India, which offers a Personal Loan at 11.99%.

Know more about ICICI Bank Personal Loan

Know more about Fullerton India Personal Loan

Compare ICICI Bank Personal Loan With Other Banks

Compare Fullerton India Personal Loan With Other Banks

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Personal Loan News - Jun 2022
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    The bank has increased the rates by 40 basis points, and after the revision, the bank offers personal loans starting from 8.85% to 14.85%.
  • 2022-05-13 : South Indian Bank Posts all-time High Net Profit in Q4
    The Bank has posted an all-time high net profit of ₹272 crores for Q4 in FY 22 against ₹6.79 crores during the corresponding period of the previous year.
  • 2022-05-13 : Ujjivan Small Finance Bank Profit Falls by 7% for Q4
    The bank has reported a 7 percent fall in its net profit to Rs 126.5 crore. Earlier, the bank had posted a net profit of Rs 136 crore in the same quarter of the preceding fiscal year 2020-21.
  • 2022-05-12 : Indian Bank Revises Personal Loan Rates
    Indian Bank has increased the rates on personal loans, and as a result, the bank offers the lowest rates starting at 8.90% to upto 9.40%.
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    The bank has increased the lowest personal loan rates from 12.40% to 12.80%.
*Terms and conditions apply. Credit at sole discretion of lender, which is subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and collected from public sources. Read More
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