ABOUT FULLERTON INDIA

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.

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WHY FULLERTON INDIA FOR PERSONAL LOANS

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.

PROMINENT FEATURES OF FULLERTON INDIA PERSONAL LOAN.

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

POLICY CRITERIA FOR FULLERTON INDIA PERSONAL LOAN

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.

DOCUMENTS REQUIRED FOR PROCESSING:

Kyc Documents

Proof of Identity –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)

PERSONAL LOAN ELIGIBILITY

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 personal loan