Fullerton India Personal Loan - Frequently Asked Questions through

Who can apply for a Personal Loan?

Fullerton Personal Loan is available for salaried individuals as well as self-employed individuals.

Do I need to hypothecate my assets or provide any other collateral to avail a Personal Loan from Fullerton India?

You do not need to hypothecate any assets to avail a Personal Loan from Fullerton India.

What is the maximum loan amount I can avail?

You can avail up to ` 20 Lakhs if you are salaried and ` 30 Lakhs if you are a self- employed businessman. The actual loan amount eligibility will be calculated based on your income and other parameters that the Fullerton India Relationship Manager will explain.

What is the minimum and maximum Loan tenor I can avail?

You can repay your loan over a period of 12 months to 48 months.

How much would I need to repay each month?

At the time of booking of your loan, the EMI (Equated Monthly Installments) will be calculated based on the loan amount sanctioned, interest rate and the tenor.

What is an EMI?

EMI or 'Equated Monthly Installment' is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.

Can I foreclose or prepay my loan?

You can foreclose your loan after a minimum period of 6 Months.

Is there any advantage that I can get if I have already availed a Fullerton India loan earlier?

Yes, if you are an existing customer of Fullerton India, you will get additional benefits on the processing time as well as the interest rate. What's more, you will be eligible for a pre-qualified Top Up on your existing Principal Outstanding.

Why shouldn't I avail my sudden need for cash through a 'cash advance' on my credit card?

Your credit card can be an option, but withdrawing cash using a credit card can turn out to be very costly if you do not repay it quickly. Interest rates on credit card cash withdrawals can go as high as 40 per cent on an annual basis depending on the type of card you use and you also do not get the interest free period to pay back. In short, interest is charged from the moment you withdraw the cash.

There is also an additional transaction charge that is levied on the withdrawal at the ATM. In comparison, a Personal Loan is cheaper and the repayment can be spread over a long period.

Fullerton India Personal Loan in Delhi/NCR through LoanMoney

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