Get a Fullerton India Online Personal Loan Using Aadhaar & PAN Card

Getting a loan is important in today’s time to meet aspirations. A personal loan is easy to get if you meet the eligibility criteria and provide the documents set by lenders. What many people do not realise is that Aadhaar and PAN cards are the most important documents to get a personal loan approved. Fullerton India, a non-banking financial company, offers personal loans. 

Impact of Aadhaar Card on Personal Loan

Every individual who wishes to get a Fullerton India personal loan is required to submit their Know Your Customer (KYC) documentation. It is a prerequisite set by the government for lenders. This step has been taken to counter money laundering and fraud. Earlier the documentation process was lengthy, but the process has been simplified with KYC documents such as Aadhaar Card and PAN Card.

Applying for a personal loan with Fullerton India

Here is how you can get a personal loan using an Aadhaar Card or a PAN Card. 

  1. Go to the Fullerton India website
  2. Go to the personal loan page
  3. Click on the application
  4. Fill in the details
  5. Upload all the documents – including the Aadhaar and PAN card as identification proof. You will also need to submit income proof and bank statements.
  6. Submit the personal loan application

Now, if the application is filled correctly, all the documents are submitted as required, and you meet the eligibility criteria, the loan will get approved instantly. 

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Things to remember when using your Aadhaar Card and PAN Card to get a loan

  1. If the card is damaged, ensure you apply for and get a duplicate card, before filling the loan application process.
  2. Make sure both the front and back of the Aadhaar Card and PAN Card are uploaded.
  3. The Aadhaar Card and PAN Card identification numbers and details should be clearly visible in the uploaded document.
  4. When you are applying offline, you will be required to sign the copy. Add date, time and purpose of use on the Aadhaar Card and PAN Card photocopy, to avoid misuse. 

Before you apply for the loan it is important to understand the features. 

Features of a loan from Fullerton India

Interest rates depend on various factors, like your creditworthiness, net income, type of employment, and ability to repay.

Interest rates – 11.99% per annum onwards

Loan Amount – Up to Rs 25 lakhs

  • Depending on their eligibility, applicants can get a loan amount between Rs.50,000 up to Rs. 25 lakhs.

Tenure – 1 year to 5 years

Fees –

Processing Fees – Between 0%-6% of the loan amount

Prepayment Charges 

  • Not allowed within 6 months from the contract date
  • 7% of the capital balance for 7 to 17 months after the contract is signed
  • 5% of the capital balance for 18 to 23 months after the contract is signed
  • 3% of the capital balance for 24 to 35 months after the contract is signed
  • After 3 years from the contract date, no pre-closure fee will be charged.

Other Charges:

  • Delayed EMI  – As stated under additional interest charge
  • Cash/Cheque Collection – NIL
  • Loan Cancellation Charges – Rs 5,000
  • Cheque/ECS/NACH dishonoured charges – Rs 300
  • Swap charges for replacement of ECS to Post-dated cheques and vice versa- Rs 500

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Advantages of applying for a personal loan from Fullerton India

Fullerton India has many advantages that set it apart from other products and competitors. From offering high-value personal loans at low-interest rates at flexible tenures to offering applicants a 100% digital application process, the institution seeks to provide borrowers with the best possible solutions company offers:

  1. Personal Loans of up to Rs.25 lakhs*.
  2. Competitive Interest Rates enabling a hassle-free repayment schedule
  3. Ease of access with numerous active offices in urban and rural areas, providing convenience to credit centres for urban, suburban, and rural citizens.
  4. Easy Loan Application Process: Fullerton India allows you to easily apply for a loan with a minimum of paperwork and a quick loan payment date. Another USP at Fullerton India Credit Co. Ltd is instant in-principle approval depending on eligibility and the subsequent digital processing for personal loans.

Advantages for existing consumers – Existing customers can try to negotiate good terms on a top-up loan depending on their repayment history and eligibility. .


Fullerton India offers many benefits to personal loans, including minimal documentation, low-interest rates, and quick approval. Some of Fullerton India’s loan features are rapid loan approval, low-interest rates, partial prepayment, online loan application, and dedicated customer support.