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Fullerton Personal Loan

  • Overview
  • EMI Calculator
  • Eligibility Criteria
  • Interest Rates and Charges

Fullerton Personal Loan Interest Rates

At Finserv MARKETS, you can avail the Fullerton Personal loan and that too at attractive interest rates. Starting from 12.99% p.a. onwards, you can make the most of your personal loan to meet your needs. The interest rate is decided for you as per your profile and loan requirements. The interest rates is 12% p.a. and processing fee usually ranges between 0% - 6% of the loan amount and there are no hidden charges.

Interest Rates of Fullerton India Personal Loan

Take a look at the interest rates of Fullerton India Personal Loan

Personal Loan Interest Rate

12% p.a. to 36% p.a.

Processing Fee

Between 0% - 6% of the loan amount

Loan Tenure

Up to 60 months

Lowest EMI Per Lakh

Rs. 2,275 for 60 months

Prepayment Charges

0% to 7%*

* The charges are subject to policy changes of Fullerton India. 

Personal Loan for Salaried Individuals: Special Rates

The borrower must be a salaried applicant who works in a private company or public sector enterprise.

Income

Interest Rates (Metro Tier-1)

Interest Rates (Metro Tier-2)

Interest Rates (Metro Tier-3 &4)

Processing Fee

<=18K

30%

32%

33%

2% of the loan amount

18K-25K

27%

29%

30%

2% of the loan amount

25K-30K

25%

27%

29%

2% of the loan amount

30K-35K

23.50%

25.50%

28%

2% of the loan amount

35K-40K

22.50%

24.50%

27%

2% of the loan amount

40K-50K

21%

23.50%

25%

2% of the loan amount

50K-80K

20%

22.50%

24%

2% of the loan amount

>80K

19%

19.50%

20%

2% of the loan amount

The charges are subject to policy changes of Fullerton India. 

Fullerton Personal Loan Fees and Charges

Fee Type

Applicable Charges

Delayed EMI Payment Interest (per month of delay, every month)

2% of overdue EMI per month calculated on a daily basis for salaried personal loan

Collection of Cheque/Cash (per collection)

NIL

Cheque /ECS/NACH dishonoured Charges (per dishonour of cheque/ECS/NACH per presentation)

300

Swap Charges- for replacement of Post-dated cheques to ECS (per instance)

500

Swap Charges- for replacement of ECS to ECS (per instance)

500

Loan Cancellation charges (loan cancelled before first EMI)

5,000

Processing Fees

Between 0% - 6% of the Loan Amount*

*Foreclosure charges/ pre-payment penalties shall not be charged on all floating rate term loans sanctioned to individual borrowers

Factors that Affect Fullerton India Personal Loan Interest Rates

While you apply for a Fullerton Personal Loan, it is necessary to check the rate of interest, so that you can manage your monthly finances. However, there are certain factors that affect Fullerton India Personal Loan Interest Rates. Here are the following factors:

  • Your Income

Your income plays a vital role in the determination of interest rate on the Personal Loan. A stable source of income indicates that you would repay the EMIs on time. As a result, you can get a loan at attractive interest rates.

  • Repayment History

A great track record of repayment history represents the fact that you have not defaulted on your loan repayments previously and is an assurance that in future also, you pay all dues on time. This increases your chances of getting a personal loan at good interest rates.

  • Relationship with the Lender

Depending on your repayment history, your chances of getting a personal loan increase. You can get loans at an attractive interest rate and minimal processing fee.

You can calculate the Personal Loan EMI using Fullerton Personal Loan EMI Calculator.

Know about Fullerton personal loan documents required

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Frequently Asked Questions on Fullerton Personal Loan

  • ✔️What is Fullerton India Personal Loan interest rate?

    The Fullerton India Personal Loan interest rate starts at 12% p.a. onwards.

  • ✔️Are there any additional benefits for existing customers of Fullerton India?

    Certainly yes. You can check for specialized offers, deals, better interest rates.

  • ✔️Can I negotiate on the personal loan interest rate?

    If you share a good relationship with the financial institution, you can try and negotiate for better interest rates along with specialized offers.

  • ✔️Do I have to provide any security for getting a personal loan on Finserv MARKETS?

    You do not have to provide any security for getting a personal loan.

  • ✔️How much processing fee is charged on personal loan?

    The processing fee is usually 6% of the loan amount.