Fullerton India, now SMFG India Credit Company Ltd., offers personal loans starting from 10.49% p.a. For eligible borrowers as of March 2026. These loans provide up to ₹40 lakhs with repayment tenures extending to 84 months, catering to diverse financial needs across India.
| Parameter | Details |
|---|---|
| Company Name | SMFG India Credit Company Ltd. (Formerly Fullerton India Credit Company Ltd.) |
| Loan Type | Unsecured Personal Loan |
| Minimum Loan Amount | ₹50,000 |
| Maximum Loan Amount | Up to ₹40 Lakhs (for general applicants, depending on eligibility) |
| Maximum Loan Amount (Salaried) | Up to ₹30 Lakhs (for top-up loans, as of 2026) |
| Maximum Loan Amount (Self-Employed) | Up to ₹30 Lakhs (for professionals, as of 2023); Up to ₹10 Lakhs (for top-up loans, as of 2026) |
| Interest Rates (2026) | Starting from 10.49% p.a. (for CIBIL score 750+); generally between 11% and 19% p.a. |
| Top-up Loan Interest Rate (2026) | Starting at 11.99% p.a. |
| Repayment Tenure | 12 to 84 months (up to 5 years or 60 months in some cases) |
| Processing Fee | Up to 2% of the borrowed loan amount + applicable tax |
| Part Prepayment Charges | Not allowed (foreclosure allowed only after 6 months/EMIs) |
| Foreclosure Charges (Overdraft) | 4.5% + GST (on dropped-down limit amount, after 6 months) |
| Minimum Age for Application | 21 years |
| Maximum Age for Application | 60 years (at loan maturity) |
| Minimum CIBIL Score | 700 or above (750+ recommended for best rates) |
| Minimum Monthly Income (Mumbai/Delhi) | ₹25,000 (salaried) |
| Minimum Monthly Income (Other Indian Cities) | ₹16,000-₹20,000 (salaried) |
| Minimum Monthly Income (Self-Employed) | ₹20,000 |
| Minimum Work Experience (Salaried) | 1 year total work experience; 6 months in current job |
| In-principle Approval Time | 30 seconds (via digital platform) |
| Loan Disbursement Time | 24-48 hours |
| Customer Care (2026) | 1800 103 6001 (9 AM to 7 PM, all days except Sundays and public holidays) |
| Customer Care Email | namaste@fullertonindia.com or namaste@smfgindia.com |
| Branch Network | Over 361 branches across India |
SMFG India Credit’s personal loans are designed for quick disbursal, with in-principle approvals often within 30 seconds for eligible applicants, making them a viable option for urgent financial needs.
Fullerton Personal Loan Interest Rates & Charges
Fullerton India (now SMFG India Credit Co. Ltd.) offers personal loan interest rates starting from 10.49% to 19% p.a., depending on the applicant’s credit profile and income. Processing fees can be up to 2% of the sanctioned loan amount, plus applicable taxes, as of April 2026.
| Metric | Value | Details |
|---|---|---|
| Interest Rate (Starting) | 10.49% p.a. | For personal loans, based on excellent credit profiles (CIBIL score 750+) (as of January 2026) |
| Interest Rate (General Range) | 11% – 19% p.a. | Typical range for personal loans (as of April 2026) |
| Interest Rate (Top-up Loan) | Starting at 11.99% p.a. | For existing Fullerton India personal loan customers (as of 2026) |
| Processing Fee | Up to 2% of loan amount | Plus applicable taxes; non-refundable and deducted from the sanctioned amount |
| Part Payment Charges | Not allowed | Fullerton India does not permit part prepayment on personal loans |
| Foreclosure Charges (Personal Loan) | ₹0 | Allowed only after a minimum of 6 EMIs have been paid (as of 2026) |
| Foreclosure Charges (Personal Loan Overdraft) | 4.5% + GST | On the dropped-down limit amount, for foreclosure after 6 months |
| Business Loan Prepayment Rates | 3-4% p.a. | Applicable after 6 months of availing the loan |
| Maximum Personal Loan Amount | ₹40 Lakhs | For eligible salaried and self-employed individuals (as of 2026) |
| Minimum Personal Loan Amount | ₹50,000 | Available to eligible applicants (as of 2026) |
| Repayment Tenure | 12 to 84 months | Flexible repayment period for personal loans (as of 2026) |
| Maximum Tenure for 58-year-old | 2 years | Loan tenure capped at 60 years of age for applicants (as of 2026) |
| Minimum CIBIL Score | 700 or above | Recommended for loan approval (Source: smfgindiacredit.com, 2026) |
| Recommended CIBIL Score for Best Rates | 750+ | Applicants with higher scores typically receive better rates (as of 2026) |
The final interest rate and charges are determined by Fullerton India (SMFG India Credit) after assessing the applicant’s creditworthiness, income, loan amount, and repayment tenure.
Fullerton Personal Loan Eligibility Criteria
Fullerton India (now SMFG India Credit Co. Ltd) offers personal loans to both salaried and self-employed Indian citizens. Applicants generally need a CIBIL score of 700 or above, with a minimum age of 21 years at application and a maximum of 60 years at loan maturity.
| Requirement | Salaried Individuals | Self-Employed Individuals |
|---|---|---|
| Employment Type | Salaried employee (MNC or government organization) | Self-employed professional |
| Age | 21 to 60 years (at loan maturity) | 21 to 60 years (at loan maturity) |
| Minimum Monthly Income | ₹25,000 (Mumbai/Delhi), ₹16,000 (other Indian cities), ₹20,000 (for top-up loan) | Income assessed based on business financials |
| Work Experience | Minimum 1 year overall work experience, 6+ months in current job | Business operating for at least 3 years |
| Credit Score (CIBIL) | 700 or above (750+ for best rates) | 700 or above (750+ for best rates) |
| Nationality | Residing citizens of India | Residing citizens of India |
| Maximum Loan Amount | Up to ₹30 lakh | Up to ₹30 lakh (general personal loan), up to ₹10 lakh (for top-up loan) |
| Repayment Tenure | 12 to 84 months | 12 to 84 months |
Meeting these criteria increases the likelihood of loan approval and can help secure more favorable interest rates from SMFG India Credit.
How to Apply for Fullerton Personal Loan
Applying for a Fullerton Personal Loan involves a straightforward digital process, with in-principle approval often granted within 30 seconds. SMFG India Credit (formerly Fullerton India) aims to disburse approved loan amounts within 24-48 hours.
- Check Eligibility: Verify you meet the criteria, including being a salaried or self-employed Indian citizen between 21 and 60 years of age, with a minimum CIBIL score of 700. Salaried applicants in Mumbai or Delhi need a minimum monthly income of ₹25,000, while those in other cities require ₹16,000.
- Gather Documents: Prepare documents such as identity proof (Aadhaar, PAN), address proof (utility bills), income proof (salary slips, bank statements for the last 3-6 months), and employment proof.
- Online Application: Visit the official SMFG India Credit website or use their digital lending platform. Fill out the online application form with personal, financial, and employment details.
- Upload Documents: Scan and upload the required documents directly through the online portal. This step ensures a paperless and faster application process.
- Credit Score Check: SMFG India Credit will conduct a CIBIL score check as part of the loan approval process. A score of 750 or above is recommended for the best interest rates.
- Application Review: The lender assesses your income, existing financial liabilities, desired loan amount, and tenure to determine your eligibility and the applicable interest rate.
- Verification & Approval: After initial assessment, SMFG India Credit may conduct further verification. Upon successful verification, your loan application receives final approval.
- Loan Disbursal: Once approved, the loan amount, which can be up to ₹40 lakh (as of 2026), is typically disbursed directly to your bank account within 24-48 hours.
The entire application process is designed for efficiency, allowing applicants to secure funds quickly for various financial needs.
Benefits of Fullerton Personal Loan
Fullerton India (now SMFG India Credit Co. Ltd) offers personal loans designed for diverse financial needs, from medical emergencies to home renovations. As of March 2026, the lender provides quick approvals and flexible terms for both salaried and self-employed individuals.
- Quick Digital Approval: Fullerton India’s digital lending platform offers in-principle loan approval in as little as 30 seconds. This speeds up the initial application process significantly.
- Rapid Disbursement: Approved loan amounts are typically disbursed within 24-48 hours. This ensures quick access to funds for urgent financial requirements.
- Flexible Loan Amounts: Applicants can avail personal loans ranging from ₹50,000 up to ₹40 lakh, depending on their eligibility and creditworthiness (Source: moneyonrent.in, 2026).
- Extended Repayment Tenure: The loans come with flexible repayment periods, from 12 months up to 84 months (7 years), allowing for manageable EMIs.
- Competitive Interest Rates: As of 2026, personal loan interest rates start from about 10.49% p.a., with specific rates determined by individual credit profiles and income.
- Minimal Documentation: The application process requires minimal documentation, streamlining the borrower experience.
- No Collateral Required: Fullerton India personal loans are unsecured, meaning no collateral or security is needed to avail the funds.
- Nationwide Presence: SMFG India Credit operates through a network of over 361 branches across India, providing accessible services.
These benefits make Fullerton Personal Loans a practical option for individuals seeking timely financial assistance with convenient terms.
Fullerton Personal Loan Vs. Other NBFCs
Fullerton India (now SMFG India Credit) offers personal loans starting from 10.49% p.a. As of 2026, with loan amounts up to ₹40 lakhs. This positions IT competitively against other NBFCs like Bajaj Finserv and Tata Capital, which also provide unsecured personal loans for various financial needs.
| Feature | Fullerton (SMFG India Credit) | Bajaj Finserv (Alternative 1) | Tata Capital (Alternative 2) |
|---|---|---|---|
| NBFC Type | Non-Banking Financial Company (NBFC) | NBFC | NBFC |
| Interest Rates (Starting From) | 10.49% p.a. (as of 2026) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Maximum Loan Amount | ₹40 Lakhs (general), ₹30 Lakhs (salaried top-up) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Repayment Tenure | 12 to 84 months (up to 7 years) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Processing Fee | Up to 2% of loan amount + applicable tax | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Part Prepayment Allowed | No (foreclosure allowed after 6 EMIs) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Minimum CIBIL Score | 700 or above (750+ recommended for best rates) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Minimum Age | 21 years | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Maximum Age at Maturity | 60 years | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Minimum Monthly Income (Metro) | ₹25,000 (Mumbai/Delhi) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Minimum Monthly Income (Non-Metro) | ₹16,000 (other Indian cities) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
| Loan Disbursement Time | 24-48 hours (digital platform) | Not explicitly stated in research for comparison | Not explicitly stated in research for comparison |
Fullerton India’s digital platform offers quick in-principle approvals in 30 seconds, making IT a fast option for urgent financial needs compared to traditional processes.
Checking Fullerton Personal Loan Application Status
You can check your Fullerton Personal Loan application status through multiple channels, including their website, customer care, and email. SMFG India Credit (formerly Fullerton India) updates application statuses regularly, with the chatbot ‘DIA’ also available for instant queries (Updated on June 3, 2026).
Keeping your application number ready helps expedite the process across all methods.
- Online Portal: Visit the official SMFG India Credit website and to the ‘Track Your Application’ section. You will need to enter your application reference number and registered mobile number to view the current status.
- Customer Care: Call the SMFG India Credit toll-free number at 1800 103 6001. Customer care executives are available from 9 AM to 7 PM on all days, except Sundays and public holidays.
- Email Support: Send an email to namaste@smfgindia.com with your application number and personal details. The customer care team will respond with your loan status.
- Chatbot ‘DIA’: Utilize SMFG India Credit’s chatbot service, ‘DIA’, available on their website. This AI-powered assistant can provide immediate updates on your personal loan application status.
- Branch Visit: For in-person assistance, visit any of Fullerton India’s over 361 branches across the country. Carry your application details and identification documents for verification.
Fullerton India aims for in-principle approval within 30 seconds for digital applications, with disbursal typically within 24-48 hours after final approval.
Fullerton Personal Loan Customer Care
SMFG India Credit (formerly Fullerton India) offers dedicated customer support for personal loan queries. You can contact their customer care executives at 1800 103 6001 between 9 AM and 7 PM, available all days except Sundays and public holidays (as of March 26, 2026). For email inquiries, send your concerns to namaste@fullertonindia.com or namaste@smfgindia.com.
The customer care team assists with various services, including checking your personal loan application status. Keep your application number and personal details ready when calling the toll-free number for faster assistance. SMFG India Credit also provides a chatbot service named ‘DIA’ for tracking your personal loan status.
Key Takeaways
- SMFG India Credit offers personal loans up to ₹30 lakh for salaried individuals and up to ₹10 lakh for self-employed professionals, with interest rates starting from 10.49% p.a. (as of 2026).
- A CIBIL score of 700 or above is generally required, and a score of 750+ can secure better interest rates and faster approvals.
- The digital application process allows for in-principle approval in 30 seconds, with loan disbursement typically within 24-48 hours (as of 2026).
Check your eligibility and apply for a Fullerton Personal Loan directly on the SMFG India Credit official website.
Frequently Asked Questions (FAQs)
What are the interest rates for a Fullerton India Personal Loan in 2026?
As of April 2026, Fullerton India (SMFG India Credit) personal loan interest rates typically range from 11% to 19% p.a. The specific rate depends on your income, credit score, loan amount, and tenure. Existing customers may receive discounted rates and schemes.
What is the maximum personal loan amount offered by Fullerton India?
Fullerton India (SMFG India Credit) offers personal loans up to ₹25 lakh. This amount can help fulfill various financial needs, from medical emergencies to debt consolidation. The final sanctioned amount depends on your eligibility criteria.
Can I get a top-up loan on my existing Fullerton India Personal Loan?
Yes, Fullerton India (SMFG India Credit) offers top-up loans on existing personal loans, with rates starting from 11.99% p.a. This facility allows you to access additional funds based on your repayment history and eligibility. You can check your eligibility directly with SMFG India Credit.
What are the processing fees for a Fullerton India Personal Loan?
Fullerton India (SMFG India Credit) charges a processing fee of up to 2% of the borrowed loan amount. This non-refundable fee is either deducted from the sanctioned amount or paid upfront. Applicable taxes are also levied on this fee.
Does Fullerton India allow part prepayment on personal loans?
No, Fullerton India (SMFG India Credit) does not allow part prepayment on personal loans. Borrowers should plan their repayment schedule accordingly, as only full foreclosure is typically permitted. Always confirm the latest prepayment policies with the lender.
How can I check my Fullerton India Personal Loan application status?
You can check your Fullerton India (SMFG India Credit) personal loan application status by contacting their customer care at 1800 103 6001. Customer service is available from 9 AM to 7 PM on all days except Sundays and public holidays. You can also send an email to their official support address.
What factors determine the interest rate on a Fullerton India Personal Loan?
Fullerton India (SMFG India Credit) determines personal loan interest rates based on your monthly income, CIBIL score, loan amount, and repayment tenure. A higher income and a strong credit history typically lead to lower interest rates. Existing customer relationships can also influence the offered rate.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.