Fullerton Personal Loan Interest Rate Calculator - Oct 2016

Fullerton India Personal Loan Interest Rates

Last Updated 28th Oct 16
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Salaried Self Employed
Fullerton India Personal Loan Interest Rate 17.25% - 35.00% 20.00% - 33.50%
Lowest EMI Rs. 2,898 per lakh Rs. 3,043 per lakh
Loan Tenure From 12 months to 48 months From 12 months to 48 months
Loan Amount Min Rs. 100,000 and Max Rs. 1,500,000 Min Rs. 150,000 and Max Rs. 5,000,000
Processing Fee 2.50% to 6.00% 2%
Age Min 21 years and Max 58 years Min 27 years and Max 65 years
Prepayment Charges Not allowed Allowed after 6 EMI's, Prepayment charges vary by months: upto 17 months - 7%, 18-23 months - 5%, 24-35 months - 3%
Foreclosure Charges Allowed after 12 EMI's, 4% prepayment charges applicable Allowed after 6 EMI's, Prepayment charges vary by months: upto 17 months - 7%, 18-23 months - 5%, 24-35 months - 3%
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Fullerton India Personal Loan

Fullerton India gives the facility of personal loan to the people who want money to achieve their urgent requirements. There are some features and benefits of taking personal loan from Fullerton India:
  • Easy documentation
  • Loans for all personal needs
  • Quick disbursal of loan
    • Fullerton India has been rated 3.3/5.0 by customers for its service quality on MyLoanCare
    • Fullerton India offers special schemes and discounts for employees of large companies.

    Personal Loan Fullerton

    Fullerton India personal loan interest rate is the rate which you pay over the loan amount that you have borrowed from the bank. Personal loan interest rates offered by Fullerton India are fixed as well as floating
    • Fixed rates allow you to borrow loan at a fixed price which won’t change in the whole tenure in case of change in Fullerton India benchmark rate and should be chosen only if you believe that the rates will not hike in future
    • In contrast to this are floating rates which changes with a single change in Fullerton India benchmark rate in your loan tenure. You should go for floating rates if you can take the risk of hike in interest rates
    Fullerton India Personal Loan Interest Rate depends upon
    • Fullerton India personal loan amount: Personal loan rate in Fullerton India depends upon the loan amount you apply for. Higher the loan amount, lesser will be the interest rate
    • Company where you work: Fullerton India has a list of companies to which they lend personal loan. Interest rate will be less if your company is listed
    • Your Salary: Income helps you in determining your rate of interest. Fullerton India interest rate varies with your monthly income. Higher the income, less will the rate of interest

    Fullerton India Personal Loan Charges

    Fullerton India Personal Loan foreclosure charges- These charges are to be paid in case you want to repay your entire loan amount before the end of tenure period. Fullerton India allows prepayment of personal loan after paying 12 EMI’s with 1 prepayment charges
    Fullerton India Personal Loan processing fee- Fullerton India asks for a processing fee of 2.50% to 6.00% of loan amount with applicable service tax

    Fullerton Personal Loan EMI Calculator

    Personal Loan EMI of Fullerton India is a fixed amount that you pay each month towards the repayment of your personal loan till the end of tenure. Lowest EMI offered by Fullerton India is Rs. 2,898 per lakh loan amount. Personal Loan EMI of Fullerton India depends on factors like:
    • Rate of interest is an important factor which affects your EMI. Higher the interest rate, higher will be the EMI
    • Loan tenure matters equally as longer tenure reduces your monthly EMI per lakh
    • Your EMI depends upon the amount of loan you are going to borrow. Fullerton India Personal Loan EMI will be high if you apply for a high loan amount
    What are the benefits of calculating Personal Loan EMI?
    • EMI calculator of Fullerton India Personal Loan helps you to calculate your monthly EMI at different rate of interest
    • Fullerton India Personal Loan EMI calculator helps you to know your capacity to repay the loan after maintaining your standard of living
    • You get a rough idea about your monthly EMI and can plan your monthly budget accordingly
    Estimated EMI online by using Fullerton India Personal Loan EMI Calculator.

    Fullerton Personal Loan Eligibility Calculator

    Personal Loan eligibility criteria Fullerton India
    Eligibility of personal loan in Fullerton India relies upon different factors but the most important factor is your ability to repay the loan. The main factors on which the eligibility of an applicant depends are
    • Age: Age plays an important role to know your eligibility and repayment capacity. Fullerton India offers personal loan to salaried and self employed individuals at the age of 21 to 58 years
    • Income: Fullerton India Personal Loan eligibility significantly depends upon your income. Usually bank set minimum levels of income to apply for personal loan. Fullerton India asks for net monthly income of minimum 17,000.
    • Job stability and Profession: Job stability is important to improve your eligibility for personal loan from Fullerton India. In case you are salaried, you must be in a full time job for at least 36 months of which not less 12 months must be with your current company. In case you are self-employed, you must be in current profession or business for at least 0 years and should preferably own either your office or your place of residence. Minimum turnover and minimum net income criteria may apply. Other than job stability, profession is also an important factor which can affect your Fullerton India eligibility. If you are working with a reputed company, probability of getting personal loan from Fullerton India increases as the income is considered to be more stable
    • CIBIL Score: Your past CIBIL history and repayment record of existing loans and credit cards has direct impact on your personal loan eligibility. If you have a poor repayment record, then you may not get the loan but on the other side, a regular repayment record increases your personal loan eligibility.
    • Loan Amount: Fullerton India gives you personal loan depending upon your income. Fullerton India gives you an amount ranging from Rs.100,000 to Rs. 1,500,000. To improve chances of approval, apply for a loan amount that you can comfortably service.
    Estimated eligibility online by using Fullerton India Personal Loan Eligibility Calculator.
    CIBIL Score for Fullerton India Personal Loan
    • 700 and above
    Maximum Annual Percentage Rate (APR) 17.75% to 35.5%
    Representative example of the total cost of the loan, including all applicable fees
    Here is an illustration of the total cost of the loan:
    • Total amount borrowed: Rs. 100,000
    • Time period: 12 months to 48 months
    • Fullerton India Personal Loan Interest Rate: 17.25% to 35.00%
    • Processing Fee payable to Fullerton India: Upto Rs. 2,000. Current offer for processing fee is 2.50% to 6.00%
    • Fee payable to MyLoanCare: NIL
    • Total Monthly Cost – From Rs. 2,898 for a 48 months Rs. 100,000 loan at 17.25% (lowest rate, longest time period) to Rs. 9,996 for a 12 months Rs. 100,000 loan at 35.00% (highest rate, shortest time period). This is inclusive of principal repayment.
    • Annual Percentage Rate (APR) of charge including all applicable fees: 17.75% to 35.5%
    • Total cost payable over loan tenure: Rs. 21,956 for 12 months loan to Rs. 41,126 for 48 months loan
    Fullerton India’s terms and conditions as per loan agreement applicable. Short term loans/ pay day loans not available; minimum loan tenure - 12 months. Rate of interest depends upon company categorization, income, job stability, loan amount, CIBIL score, credit profile, existing obligations, verification and other factors. Credit at sole discretion of Fullerton India.

    Fullerton India Personal Loan Top up, Transfer

    Transfer of personal loan from another bank to Fullerton India?
    Fullerton India offers personal loan balance transfer from another bank. This is subject to your meeting other eligibility criteria of Fullerton India
    You can avail additional top-up personal loan from Fullerton India, subject to your eligibility

    Personal Loan Fullerton documents required

    Personal loan for Salaried employee Fullerton India documents required

    • Filled up loan application form
    • 1 Passport Size Photo
    • Copy of Income Tax PAN
    • Identity Proof - Passport/ Driving Licence/ Voter ID/ PAN
    • Residential Address Proof - Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
    • Income Documents – 1 months payslip, 1 years Form 16, 3 months bank statement showing salary credit and any EMI debit

    Personal loan for Self-Employed Fullerton India documents required

    • Filled up loan application form
    • 0 Passport Size Photo
    • Copy of Income Tax PAN
    • Identity Proof - Passport/ Driving Licence/ Voter ID/ PAN
    • Residential Address Proof - Leave and License/ Registered Rent Agreement/ Utility Bill (upto 3 months old), Passport
    • Income Documents – 3 years audited financials, 6 months bank statement
    • Business proof such as VAT/ service tax registration, incorporation details in case of companies, business address proof

    Compare Fullerton Personal Loan

    Comparison of Fullerton India Personal Loan with other banks

    Fullerton Personal Loan in India

    Fullerton India Personal Loan Customer Care Number, Email, Application Status

    Contact Details of Fullerton India Personal Loan Branches
    City Customer Care Number
    Agra 1800-103-6001
    Ahmedabad 1800-103-6001
    Ambala 1800-103-6001
    Anand 1800-103-6001
    Aurangabad 1800-103-6001
    Bangalore 1800-103-6001
    Bhilai 1800-103-6001
    Bhilwara 1800-103-6001
    Bhiwadi 1800-103-6001
    Bhopal 1800-103-6001
    Bhubaneswar Cuttack 1800-103-6001
    Bikaner 1800-103-6001
    Chandigarh 1800-103-6001
    Chennai 1800-103-6001
    Cochin 1800-103-6001
    Coimbatore 1800-103-6001
    Dehradun 1800-103-6001
    Delhi 1800-103-6001
    Durg 1800-103-6001
    Faridabad 1800-103-6001
    Gandhinagar 1800-103-6001
    Ghaziabad 1800-103-6001
    Goa 1800-103-6001
    Greater Noida 1800-103-6001
    Gurgaon 1800-103-6001
    Guwahati 1800-103-6001
    Gwalior 1800-103-6001
    Hyderabad 1800-103-6001
    Indore 1800-103-6001
    Jabalpur 1800-103-6001
    Jaipur 1800-103-6001
    Jalandhar 1800-103-6001
    Jodhpur 1800-103-6001
    Kanpur 1800-103-6001
    Karnal 1800-103-6001
    Kolhapur 1800-103-6001
    Kolkata 1800-103-6001
    Kota 1800-103-6001
    Kozhikode 1800-103-6001
    Lucknow 1800-103-6001
    Ludhiana 1800-103-6001
    Madurai 1800-103-6001
    Meerut 1800-103-6001
    Mehsana 1800-103-6001
    Mohali Sas Nagar 1800-103-6001
    Mumbai 1800-103-6001
    Mussoorie 1800-103-6001
    Nagpur 1800-103-6001
    Nashik 1800-103-6001
    Noida 1800-103-6001
    Noida Extn. 1800-103-6001
    Panipat 1800-103-6001
    Patna 1800-103-6001
    Pondicherry 1800-103-6001
    Pune 1800-103-6001
    Raipur 1800-103-6001
    Rajkot 1800-103-6001
    Ranchi 1800-103-6001
    Rohtak 1800-103-6001
    Roorkee 1800-103-6001
    Salem 1800-103-6001
    Shimla 1800-103-6001
    Sonepat 1800-103-6001
    Surat 1800-103-6001
    Trichy 1800-103-6001
    Udaipur 1800-103-6001
    Vadodara 1800-103-6001
    Varanasi 1800-103-6001
    Vijaywada 1800-103-6001
    Vizag 1800-103-6001
    *My Finance Care Advisors Pvt. Ltd., or https://www.myloancare.in is a bank neutral multi bank platform that helps borrowers and bank customers compare loans and deposits of all banks in India at one place. Information carried at this website is based on perusal of public sources and should not be construed as an offer or solicitation or invitation to borrow or lend. The Company does not assure as to the correctness of information carried at the website. Lenders/ banks/ other parties may contact us at info@myloancare.in to provide corrections or updates. We may act as and/ or be associated with channel partners of banks and other sellers of financial products.
Fullerton Personal Loan News - Oct 2016
11th Oct 16 Fullerton India gives special offers on personal loans
Fullerton India has come out with special offers on personal loan in this festive season for the people of Andhra Pradesh and Telangana. Fullerton India is offering 0.5 per cent waiver on personal loan interest rates and special gifts for high value loans. The company is also offering 50 per cent waiver on processing fees of personal loan to women applicants. The offer is valid from October 1, 2016 till Diwali.
21st May 16 Fullerton India reports 32% increase in profit
Fullerton India reported 32% increase in net profit during the last financial year to Rs 301 crore. The company reported 43% increase in profit before tax to Rs 430 crore for the fiscal year ending 31st March 2016. The profit for the year increased by 43% to Rs.430 crores as against Rs 301 crores in the previous year. NPA for the current year was at 1.3%. Fullerton India saw growth of 33% in its assets under management, at Rs 11,508 crore as compared to Rs 8,669 crore during the last financial year. Fullerton India gives loans against property, commercial vehicle loans and personal loans.