Total EMI


Total Interest


Total Payments


Break-up of Loan Amount
Created with Highcharts 4.2.2 50,00,000 69,80,559 Total Interest Principal Loan Amount
Apply Online

About Fullerton India

Fullerton India Credit Company Ltd, also known as Fullerton India, is in existence in India since 2007. This subsidiary of Fullerton Financial Holdings Pte Ltd has now become one of the best-performing non-banking financing companies in India. The company has spread to have an all-India presence today. Fullerton India serves more than 2.8 million families through its 626 branches situated all over India. The strength of Fullerton India is that it serves all kinds of segments ranging from the high-net-worth individuals to the underserved population of India.

Fullerton has an array of loan products lined up for its customers. The prime concentration is on SME financing along with providing vehicle loans for commercial vehicles. The company has a well-defined home loan product, as well. Besides, Fullerton India offers loans against property, self-employment loans, and personal loans.

About Fullerton India Personal Loans

A personal loan is one that the applicant can use for meeting all kinds of domestic requirements. There is no specific compulsion on the debtor to create an asset. Thus, one can say that personal loans are clean loans without the support of any collateral.

The borrower can satisfy a range of purposes such as,

  • Meet expenses of the marriage of self and children
  • Cater to the education expenses of self, spouse, and children
  • Look after the medical requirements of everyone in the family
  • Purchase consumer durables like televisions, refrigerators, air conditioners, and so on
  • Carry out repairs and renovations to your existing house
  • Go on tours and travels with the family
  • Any other legitimate purpose except for speculation

Fullerton India Personal Loans - Features and Benefits

Fullerton India personal loans come with exciting features and benefits. Apart from satisfying a variety of own purposes, Fullerton India personal loans are advantageous for the following reasons.

  • Loans available with or without collateral
  • Personal Loans with collateral cater to major expenses
  • Loans without collateral available up to 25 Lakhs
  • Simplified documentation procedure
  • Easy to apply with facilities of online application
  • A range of other options available such as DSAs spread all over the country
  • Flexible interest rates coupled with easy repayment options
  • Hassle-free documentation procedure
  • Instant approvals available online with quick disbursals
  • Facilities like top up loans and digital query servicing available for existing customers

Fullerton India Personal Loans - At a Glance

Personal Loan for Salaried Employees

  • Maximum credit of 25 Lakhs
  • Rate of interest starting from 12.99%
  • Flexible repayment schedules extending up to 60 months

Personal Loan for the self-Employed Individual

  • Maximum exposure of 10 Lakhs
  • ROI starting from 12.99%
  • Repayment tenures up to 60 months

Personal loans for Doctors to Set Up Clinics and Purchase of Medical Equipment

Loans available up to 30 Lakhs @ 12.99% with repayment tenures extending to 60 months

Personal loan for Wedding Expenses

  • Clean loans to cater to wedding expenses
  • Flexible amounts up to 25 Lakhs depending on the repaying capacity
  • Rate of interest starts from 12.99%
  • Repayment schedules up to 60 months

Personal Loans for Home Improvement

  • Cater to home repairs and renovation needs
  • No need to mortgage your home
  • Loans up to 25 Lakhs available @ 12.99% onwards for periods extending up to 60 months

Personal Loans for Holiday

  • Take your family on holiday anywhere in the world
  • Personal loans up to 25 Lakhs to ensure that you have a hassle-free holiday

Personal Loans for the Elite

Persons with high net worth can avail clean loans up to 25 Lakhs @ 11.99% to meet their urgent domestic and business requirements

Personal Loan for Women

Women borrowers have a separate product for themselves on the same terms and conditions as available to the general public

Personal Loan for Emergency

  • The ideal loan to avail when in an emergency
  • Clean loans available up to 25 Lakhs at interest rates starting from 12.99%

áFullerton India Personal Loans - Rate of Interest

Fullerton India has an interest rate structure, starting with rates as low as 12.99% and goes up to 36% per annum. The rate of interest on an individual loan depends on various factors.

Some of them are:

  • The credit rating of the borrower
  • Occupation of the applicant
  • Location
  • Tenure of the loan
  • Value of collateral on offer
  • Existing relationship with the company

Fullerton India Personal Loans - Calculators

Fullerton India depends on technology to provide the best possible services to its customers. Some of the best initiatives are the online personal loan calculators available on the official webpage of Fullerton India.

Personal Loan EMI Calculator

The first question anyone would ask when applying for a personal loan is, "What would be my loan EMI?" Calculating the EMI in the traditional mathematical way is a challenging task. The Fullerton India Personal Loan EMI calculator comes in handy under such circumstances. The calculator does the complicated task of determining the EMI within seconds. The customer has to provide minimum data to get accurate results within no time.

  • The loan amount
  • Rate of Interest applicable to the loan
  • The repayment tenure of the loan

How to use the calculator

The Fullerton India Personal Loan calculator comes with sliding options that enable users to enter any amount up to 25 Lakhs. Similarly, they can choose the applicable rate of interest and tenure to determine the EMI.

This example will clear everything.

  • Loan amount - 2.50 Lakhs
  • Rate of interest - 12.99%
  • Loan tenure - 12 months

Automatically, you get the EMI amount as 11,884.

Factors that affect the EMI calculation

Your Fullerton India Personal Loan EMI calculation depends on the following factors.

  • The loan amount - Higher the loan, the more is the EMI
  • The rate of interest - Higher the interest rate, bigger is the EMI
  • The tenure - The more extended the mandate, the smaller is the EMI

Loan Amount 5 Lakhs

Loan Amount 10 Lakhs








24 months







36 months







48 months







Benefits of using the Fullerton India Personal Loan EMI Calculator

The Fullerton India Personal Loan EMI Calculator is beneficial to the customers in various ways.

  • The best aspect of the Fullerton India Personal Loan EMI Calculator is that it is easy to use and available for free. Customers can access the calculator from any device.
  • This calculator bids goodbye to the complicated mathematical formulas that one has to contend with when calculating the EMI.
  • The personal loan EMI calculator eliminated human error while delivering accurate and quick results.
  • Customers can use this calculation with various combinations. It can help them to calculate the EMI of other loans having similar specifications as the personal loan.
  • This calculator is all-inclusive. Customers can add the processing fees and other charges to the loan account to determine the EMI.
  • One can calculate the EMI for a range of maturities ranging from 12 months to 60 months.

Personal Loan Eligibility Calculator

Fullerton India offers the facility for calculating your loan eligibility within no time. The process involves the customer providing the following information.

  • Select the city from the list available on the tool
  • Enter your date of birth by making use of the calendar provided
  • Provide information about your net monthly income, monthly EMIs, rate of interest, and loan tenure.
  • You get your loan eligibility within a second.

Here is an example

  • City - Delhi
  • Date of Birth - January 01, 1989
  • Net monthly income - 50,000
  • Monthly EMI - 10,000
  • Rate of Interest - 14%
  • Tenure - 60 months

You get your loan eligibility as 10,74,425.

Factors that affect personal loan eligibility

The following factors decide your loan eligibility amount.

  • Monthly income - The higher the income, the higher will be loan eligibility
  • Monthly EMI - The lesser your monthly obligations, the better will your loan eligibility

Apart from these factors, the actual personal loan eligibility depends on the credit rating of the borrower. Using this eligibility amount, you can calculate your loan EMI. It helps to determine affordability.

Fullerton India Personal Loans - How to Apply

Fullerton India offers facilities to apply for personal loans online. Before doing so, customers can determine their eligibility using the Personal Loan Eligibility calculator. Applying for the Fullerton India Personal loan is a convenient process.

Submit your details online for the marketing officials from Fullerton India to call you and complete the formalities.

Fullerton India Personal Loan EMI Calculator - Frequently Asked Questions

Is the Fullerton India Personal Loan EMI calculator an accurate tool to determine your loan EMI?

Yes, the Fullerton India Personal Loan EMI calculator is a precise mechanism for calculating your loan EMI. It eliminates human error when estimating the EMI.

Can you use the Fullerton India Personal Loan EMI calculator to estimate your loan eligibility?

No, the estimation of your loan eligibility is a different type of calculation. It needs information like your income, your monthly obligations, your age, and so on. The EMI calculator is a simple tool that requires details about the loan amount, the rate of interest, and the loan tenure. Both these calculators are two distinct tools without any overlapping.

Does the EMI calculator help you to calculate your loan affordability?

It is not possible to do a reverse calculation and find out your loan affordability. However, you can use the trial and error method to arrive at the exact loan amount you can afford to repay.

What are the prime limitations of the Fullerton India Personal Loan EMI Calculator?

The Fullerton India Personal Loan EMI calculator is not an ideal one for determining your home loan EMI. It is because there are restrictions as far as amount and loan tenure is concerned. However, this tool is perfect for a personal loan.

How does the loan tenure affect the EMI calculation?

The loan tenure is one of the three variables in the EMI calculation. If there is a change in the value of any of these variables, it affects the EMI amount. The EMI is inversely proportional to the repayment tenure.

Does the EMI calculator calculate interest on simple interest or compound interest basis?

The personal loan EMI calculator calculates the EMI considering the compounding factor.

What are the constituents of an EMI?

The EMI comprises of two constituents, the principal loan repayment factor and the interest repayment factor.

What factors affect the calculation of the EMI amount?

EMI depends on the following three factors.

  • The principal loan amount
  • The rate of interest on the loan amount
  • The loan repayment tenure

The loan amount and the rate of interest vary in direct proportion to the EMI, whereas the loan repayment tenure is inversely proportional to the EMI.

Does the Fullerton India Personal Loan EMI calculator provide me with the loan amortisation schedule?

No, the Fullerton India Personal Loan EMI calculator does not provide the loan amortisation schedule. It is one of the significant drawbacks of this tool.

Are there any alternative methods to calculate the personal loan EMI?

Yes, one can calculate the personal loan EMI in many ways. Using MS Excel tables is an easy way to do so. One can also do an arithmetical calculation using the conventional EMI formula.