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Fullerton India Business Loan


About Fullerton India Business Loans

Ever since it was launched in January 2007 in India, Fullerton India Credit Company Limited (FICCL) or just Fullerton India has come a long way to strongly and successfully established itself across India’s financial landscape, creating a network of 626+ branches that cater to more than 2.8 million customers. Fullerton India is a fully owned subsidiary of Fullerton Financial Holdings Pte. Ltd., with its headquarters in Mumbai, India. It offers a wide range of SME financing services as well as all kinds of retail finance products to Indian households. Armed with a workforce of 13,000+ employees, Fullerton India effectivity reaches out to its market and connects with millions of Indian customers in villages, towns and cities, right at their doorstep.

Fullerton India offers a general business loan to self-employed professionals as well as self-employed businessman, apart from a unique business loan product for traders. The company very well understands that business owners face all kinds of phases that make it necessary to seek financial assistance from time to time, to fuel growth as well as to expand their business operations. They offer both secured as well as unsecured business loans to help businesses meet their working capital and short-term finance requirements.

Business Loan Eligibility Criteria

In order to be eligible for Fullerton India business loan, you should be at least 27 years old at the time of loan application and fall under the self-employed professional category. The company offers a 2 year relaxation for self-employed businesspersons. Please note, your age at the time of loan application should be such that you shouldn’t be more than 65 years old at the time of business loan maturity. Your business’ annual turnover should be between ₹ 10 lakh and ₹ 100 crore. It should have been in operation for at least the past 3 years, showing positive growth pattern and profitability for the last 2 years. You are required to submit your last 2 years’ income tax returns, with a taxable income of at least ₹ 2 lakh per annum. Below provided are more details related to Fullerton India business loan eligibility criteria.


Years in currert business

₹ 50Lacs

Minimum Turnover

Fullerton India Business Loan Features / Details

Fullerton India business loan is the ideal financial product which businesses can use to fuel growth into their enterprises. The loan amount can be used any which way the business pleases, whether for industrial expenses, renovation, purchase of equipment, staff hiring, furnishing, purchase of goods and services or anything else. You can seek financial assistance of up to ₹ 50 lakh at a competitive interest rate. The exact loan amount will be determined depending upon your annual income, repayment capacity and other important parameters. The loan documentation process is kept hassle free to ensure quick disbursal. Credit shield is also available in case of business loan for traders. You can find more details related to Fullerton India business loan features below.


Interest Rate (Min)

1 – 3 Years.

Loan Tenure

₹ 10Lacs – 50Lacs

Loan Amount (Min – Max)

Fullerton India Business Loan Fees / Charges

As is applicable to a large majority of business loan products in the marketplace, Fullerton India also charges a certain fee for processing of business loan applications. This processing fee can be up to 6.5% of the loan amount. Other than that, various other charges might be levied depending upon your requirements and situation, for instance, swap charges, cash/cheque collection charges, loan cancellation charges, delayed EMI payment interest, ECS/cheque dishonour charges, foreclosure charges etc. Below you’ll find exact details related to all such Fullerton India business loan charges and fees.

2.50% of Loan Amount.

Processing Fees

0% of amount prepaid.

Pre-payment Charges


Part Payment Facility


Part Payment Processing Fees