Fullerton Personal Loan Interest rates in Pondicherry
Up To 75000 | |
---|---|
Others | 23.99% |
Salaried | 11.99% |
Self Employed Professional | 17.50% |
Features of Fullerton Personal Loan Pondicherry
Type | Features |
---|---|
Processing Fee | Upto 2.0% |
Pre Closure Charges | Upto 4.0% |
Part Payment Charges | Allowed |
Min Tenure | 1 Years |
Max Tenure | 5 Years |
Min Age | 21 Years |
Max Age | 60 Years |
Min Loan Amount | Rs.50,000/- |
Max Loan Amount | Rs.20,00,000/- |
Min Educational Qual | Graduation |
Residence Years In City | 2 Years |
Total Work Experiance | 3 Years |
Fullerton Personal Loan Pondicherry Charges
Type | Charges |
---|---|
E M I Bounce Charges | Rs. 500 per Bounce |
Duplicate Statement Charges | Free |
Cheque Swapping Charges | Rs. 550/- |
Issue Amortization Schedule Duplicate | Free |
Photocopy Documents | Free |
Default Interest Rate | @24% PA |
Documentation For Personal Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Address Proof
- Latest 3 months Payslips
- Job Continuity Proof
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size colour Photographs
- Co-Applicant identity proof, Address Proof
- Co-Applicant relationship Proof and Photograph
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
- Property Related documents
Identity Proof For Personal Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Personal Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Income Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Address Proof For Personal Loan
- Latest salary slip
- Current dated salary Certificate with latest form 16.
- Latest year IT Returns with Tax Audit reports(For Self Employed applicants)
Job Continuity Proof For Personal Loan
- Form 16
- Relieving letter
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Personal Loan
- Bank statements of latest 2 months
- 3 months bank passbook
Fullerton Personal Loan FAQ's
Who can apply for a Personal Loan?
Fullerton Personal Loan is available for salaried individuals as well as self-employed individuals.
Do I need to hypothecate my assets or provide any other collateral to avail a Personal Loan from Fullerton India?
You do not need to hypothecate any assets to avail a Personal Loan from Fullerton India.
What is the maximum loan amount I can avail?
You can avail up to ` 20 Lakhs if you are salaried and ` 30 Lakhs if you are a self- employed businessman. The actual loan amount eligibility will be calculated based on your income and other parameters that the Fullerton India Relationship Manager will explain.
What is the minimum and maximum Loan tenor I can avail?
You can repay your loan over a period of 12 months to 48 months.
How much would I need to repay each month?
At the time of booking of your loan, the EMI (Equated Monthly Installments) will be calculated based on the loan amount sanctioned, interest rate and the tenor.
What is an EMI?
EMI or 'Equated Monthly Installment' is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.
Can I foreclose or prepay my loan?
You can foreclose your loan after a minimum period of 6 Months.
Is there any advantage that I can get if I have already availed a Fullerton India loan earlier?
Yes, if you are an existing customer of Fullerton India, you will get additional benefits on the processing time as well as the interest rate. What's more, you will be eligible for a pre-qualified Top Up on your existing Principal Outstanding.
Why shouldn't I avail my sudden need for cash through a 'cash advance' on my credit card?
Your credit card can be an option, but withdrawing cash using a credit card can turn out to be very costly if you do not repay it quickly. Interest rates on credit card cash withdrawals can go as high as 40 per cent on an annual basis depending on the type of card you use and you also do not get the interest free period to pay back. In short, interest is charged from the moment you withdraw the cash. There is also an additional transaction charge that is levied on the withdrawal at the ATM. In comparison, a Personal Loan is cheaper and the repayment can be spread over a long period.
About Fullerton
Fullerton Financial Holdings invests in financial institutions in emerging markets with a focus on Business and Consumer banking.
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Expert Advice
Best Practices for Personal Loan
Things not to do for Personal Loan
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Personal Loan Advantages and Disadvantages
Personal Loan Advantages:
Personal Loans Disadvantages:
10 Things to Keep in Mind While Taking a Personal Loan
About Pondicherry
Pondicherry is the capital city and the largest city of the Indian union territory of Puducherry. The city of Pondicherry is situated in Puducherry district of the union territory. It is affectionately known as Pondy, and has been officially known by the alternative name Puducherry in Tamil (New Town) since 2006
The history of the city of Pondicherry is recorded only after the arrival of Dutch, Portuguese, British and French colonialists. By contrast, nearby places such as Arikamedu, Ariyankuppam, Kakayanthoppe, Villianur and Bahur, The Cholas of Thanjavur held it from the 10th to 13th centuries, only to be replaced by the Pandya Kingdom in the 13th century.
The Vijayanagar Empire took control of almost all of the South of India in the 14th century and maintained control until 1638.. Five trading posts were established along the south Indian coast between 1668 and 1674. The town was separated by a canal into the French Quarter and the Indian Quarter.The French control remained until 1954 (de jure 1962), when it was incorporated into the Indian Union along with the rest of French India.
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Places To Be Visited In Pondicherry
Pondicherry Beach
Pondicherry Beach is a paradise for all beach lovers and tourists. It is flanked by a flowing creek on one side and is also known for its tree houses, which are located on the backwaters. The beach is a budget one in South India as it is cheaper to access and accommodation in pondicherry is lesser when compared to other beaches and their resorts or hotels in the country.
Botanical Garden
This Pondicherry Botanical Garden is no different. Providing respite from the heat and hustle-bustle on main roads, this garden serves as one of the delightful places to visit in Pondicherry.it is a reminder of French architecture, providing an insight into how architecture in France developed and how colonization has had an impact on the development of Pondicherry. Built in 1826, the garden was initially laid out in ornate style and the botanical beauty houses around 1500 varieties of plants.
Gingee Fort
The Fort is declared as a National Monument in 1921. Apart from being a unique architectural feat it is one of the few forts in the State.
Auroville
Auroville is the best place for those who seek to learn more about India and its spirituality. It was created to bring progressive harmony aims to transcend creed, culture, politics and nationalities. Visiting here is truly a unique experience.
Manakula Vinayagar Temple
This Hindu temple, located in Pondicherry is dedicated to Lord Ganesha. It is widely considered a popular pilgrimage site. The temple and its antiquity reminds one of how Indian culture and heritage didn’t wither away even after years of colonization. During Dupleix’s tenure, several attempts were made to destroy the temple, but Hindu populations always managed to protect it through protests and threat of Maratha invasion.
French War Memorial
French War Memorial is a popular place of interest. Built on the Goubert Avenue or The Promenade, it serves as a reminder of those valiant soldiers who lost their lives during the World War-I from 1916 to 1919. The memorial, built in 1971, is reminiscent of the fact that war leaves fatalities behind and doesn’t answer any questions or offer any solutions. On the Bastille Day, i.e. 14th July every year, the memorial is illuminated in a beautiful manner, ensuring that locals and travellers can pay homage to courageous martyrs who laid down their lives.