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Fullerton India Credit Company or “Fullerton India” as it is popularly known has started operations in India since the year 2007.It is a fully owned subsidiary of the Singapore based company Fullerton Financial Holdings Pte Ltd.

Operating as a NBFC (Non Banking Financial Institution) in India it offers a wide range of financial products like Home Loans, Business Loans, Personal loans and Life Insurance.

Although a recent entrant in the financial scenario Fullerton India has created a niche market for itself. Presently having strength of over 10.000 employees it has made its presence felt through more than 528 branches, covering 600 towns & close to 51,000 villages.


The need for a Personal Loan is immediate requires a quick response.

Sometimes even a small amount may save the day.  The Previous financial history may have suffered due to delayed or overdue Credit Card payments. Lock in period ( months in the foreclosure clause.)

Fullerton India is willing to offer a Personal Loan to all applicants working in Limited/ Pvt limited /PSU or government concerns. Loan amount may be offered as a testing ground. Customers have readily endorsed this opportunity to come out of the debt trap & consequently gone back to Fullerton India for further loan amounts.

Careful & vigilant follow ups have helped to keep delinquencies under control.

Policies that are customer friendly, encompassing all salary segments Fullerton India is ready to process Personal loans of customers with 18000/- salary credited to the Bank.


  • Loan amount issued for a minimum amount of 50,000/- to 25 lacs.

  • Period or Tenure for which the Loan amount is granted starts from 12 months to a maximum of 48 months.
  • No collateral or guarantee required.
  • Rate of Interest charged at @ monthly reducing balance.
  • With an online scoring system in place, customer can know if the Loan application is accepted or approval process within 24 hours.
  • Processing period for the Loan is 4 working days for an approval the disbursal of the loan amount after the agreement is signed can take up to 48 hours.
  • Ease of contact ability, Fullerton India has sales offices in all prominent locations. Customized services with a aggressive & help full stall


A Top Up to the existing Loan id additional loan amount is require

  • Applicant must be having a net salary credit of over 18000/- per month in the salary account.
  • Salaried customers must be employed with Company which is registered & should be in existence for over 5 years.
  • Maximum Loan amount granted, 60% of net income can be converted into an EMI.
  • CIBIL history of 6 months or more is required to process a personal loan applicant must have an existing track record of a loan or credit card for which regular payments for more than 6 months have been made.


  • Reduced rate of Interest offered -2% lower than the applicable base rate.
  • Maximum loan amount sanctioned 10 lakhs.
  • Repayment period or tenure of loan is up to 48 months.


  • Applicant should be above 21 years of age up to a maximum of 60 years.
  • Having a job experience of 3 years or more

  • Current job stability should be 6 months or more

  • Salary credited to Bank account should be 18000/- net or more.

  • Customer should be residing with his/her family in rented or preferably self owned residence.


Fullerton India levies Rate of Interest as per the net Salary credited to the Bank. High Income Customers who are eligible for a loan amount of 5 lacs & above are offered attractive rates of Interest .The CIBIL SCORE is also taken into account.
Appended below is a chart of all charges applicable on your Personal loan from Fullerton India.

Interest Rates 17.50% – 37.00%
Processing Fee 2.00%
Foreclosure charges Up to 7%, 0% after 3years
Repayment 4 Years
Loan Amount 20 Lakh
Delayed EMI Payment Interest ( per month of delay, every month) Additional 0.75% per month on outstanding principal.
Collection of Cheque/Cash (per collection) 300
Cheque /ECS dishonoured Charges (per dishonour of cheque/ECS per presentation) 30
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) 1000


  • As a fresh Loan for salaried or self employed Personnel.
  • A Top Up to the existing Loan id additional loan amount is required.
  • A Personal Loan for Balance Transfer of Credit Card dues.


Identity Proof Passport/ driving license/PAN card/ Photo credit card (with embossed Signature and last two months statement)/ banker’s sign verification
Age Proof PAN Card/ Passport/ driving license/ School leaving certificate/ Voter’s card/ Birth Certificate/ LIC policy (only for age Proof).
Address Proof Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ Title deed of property/Rental agreement/ Driving license/ Election ID card/ Photo-credit card (with last two month statements)
Income Proof Latest 3 months salary slip (Computerized pay slip with company Logo/pay slip on company letter head)

Latest News from Web

Fullerton India plans to raise Rs 100 bn in FY19 to fund lending operations

News from Business Standard

Fullerton India Credit Company Ltd, the Temasek-backed finance firm, plans to raise Rs 100 billion in FY19 to fund lending operations. Rajashree Nambiar, CEO and MD of Fullerton India, said borrowings will be through a combination of bank lines, bonds, commercial papers and securitisation. Read More

Fullerton India to expand secured rural lending, enter new States

News from Business Line

Fullerton India Credit Company is looking to tap the rural markets in Jharkhand, Assam, Punjab and Kerala over the next one-two years.
The NBFC, a wholly-owned subsidiary of Singapore-based Fullerton Financial Holdings, part of Temasek Holdings, operates its rural business under the ‘Gramshakti’ brand. It recently entered the eastern States of Bihar, Odisha and West Bengal.Read More

Fullerton India’s Digital Business Has Grown 10x In The Last One Year

News from Express Computer

Fullerton India provides instant “Cash-in-account” to salaried individuals, for up to Rs 60,000 for new customers applying on our Instaloan app, fully leveraging the advanced data-analytics capabilities. The digital business has grown 10x over the last one year, and over 20% of new salaried customers are originated via our digital business. EC’s Abhishek Raval speaks with Rajashree Nambiar, CEO & MD, Fullerton India Credit Company Read More

Fullerton India Partners with Paytm for Pay payment solutions

News from UNI

Non banking financial company Fullerton India Credit Company Limited (Fullerton India) has partnered with Paytm to enable a hassle-free payment solution for its customer. “This collaboration is aimed at enhancing customer experience by empowering users to pay Equated Monthly Instalments (EMIs) as well as their past dues through Paytm, with a single click,” a statement said. Read More

Fullerton India launches Samriddhi Loan for women borrowers

News from DH

Fullerton India Credit Company Limited (Fullerton India), a non-banking financial company (NBFC), on International Women’s Day, Thursday, announced the launch of ‘Samriddhi Loan’ – a personal loan specially designed for its select Solidarity Group…Read More

Fullerton India Home finance appoints Rakesh Makkar as CEO

News from The Economic Times

“Rakesh has been instrumental in driving the robust growth at Fullerton India over the past four years and we are confident that in his new role, he will establish Grihashakti as one of the fastest growing home loan players of the country,” said Anil Noronha, Executive Vice President and Head – Human Capital,Fullerton India. Read More

NBFC Fullerton India enables EMI payment through Paytm

News from The Economics Times

Fullerton India Credit Company, a non-banking financial company (NBFC), has partnered with Paytm to enable a hassle-free payment solution for its customers. This collaboration is aimed at enhancing customer experience by empowering users to pay Equated Monthly Installments (EMIs) as well as their past dues through Paytm, with a single click. Read More

IFC looks to invest $100 million in Fullerton India Credit Company’s bond issue

News from The Economics Times

Temasek Holdings owned Fullerton India Credit Company is in advanced stage of talks with International Finance Corporation to privately place $100 million masala bonds with the later, a company official said. Read More