Fullerton India (now SMFG India Credit) Loan EMI Calculator
Fullerton India (now SMFG India Credit) personal loan EMI starts at ₹9,461/month at 12.5% interest. Calculate exact EMI for ₹1,00,000–₹10,00,000 loans with amortization schedule.
₹
₹1,00,000₹10,00,000
%
12.5%30.0%
12 Mo60 Mo
Monthly EMI
₹9,461
Total Interest
₹27,075
Total Payment
₹2,27,075
Monthly EMI
₹9,461
Principal Amount
₹2,00,000 (88.1%)
Total Interest
₹27,075 (11.9%)
Amortization Schedule
| Year | Principal | Interest | Total Paid | Balance |
|---|---|---|---|---|
| Year 1 | ₹93,785 | ₹19,747 | ₹1,13,532 | ₹1,06,215 |
| Year 2 | ₹1,06,204 | ₹7,328 | ₹1,13,532 | ₹11 |
By Gaurav Gupta, Credit SpecialistUpdated
Fullerton India (now SMFG India Credit) Personal Loan at a Glance
Interest Rate
12.5%
to 30%
Max Amount
₹10,00,000
min ₹1,00,000
Min CIBIL
700
minimum score
Tenure
Up to 60 mo
min 12 months
Fullerton India (now SMFG India Credit) Loan Details
| Interest Rate | 12.5% — 30% p.a. |
| Loan Amount | ₹1,00,000 to ₹10,00,000 |
| Tenure | 12 to 60 months |
| Processing Fee | Up to 4% + GST |
| Prepayment Charges | Nil after 12 months |
| Min CIBIL Score | 700+ |
| Min Monthly Salary | ₹25,001 |
| Age Requirement | 25 to 60 years |
| Employment Types | Salaried, Self-employed |
| Disbursal Time | 24-48 hours |
EMI Example: ₹2,00,000 at 12.5%
Loan Amount: ₹2,00,000
Interest Rate: 12.5% p.a. (best rate)
Tenure: 24 months
Monthly EMI: ₹9,461
Total Interest: ₹27,064
Total Payment: ₹2,27,064
Pros
- +Accepts self-employed income
- +650+ CIBIL accepted
- +Wide geographic coverage including Tier 3 cities
- +Doorstep service option
Cons
- -Higher rates for lower CIBIL
Popular with borrowers
Fullerton India (now SMFG India Credit) EMI Calculator — FAQs
What is the EMI for a Fullerton India (now SMFG India Credit) personal loan?
For a ₹2,00,000 loan at 12.5% interest for 24 months, the EMI would be approximately ₹9,461 per month. Total interest payable would be ₹27,064. Use the calculator above to try different amounts and tenures.
What interest rate does Fullerton India (now SMFG India Credit) charge on personal loans?
Fullerton India (now SMFG India Credit) charges personal loan interest rates starting from 12.5% p.a. going up to 30% p.a. The actual rate depends on your credit score, income, employment type, and existing obligations. A CIBIL score of 750+ typically gets you rates closer to the lower end.
What is the minimum CIBIL score for a Fullerton India (now SMFG India Credit) personal loan?
The minimum CIBIL score required for a Fullerton India (now SMFG India Credit) personal loan is 700. A higher score (750+) will help you get a lower interest rate and better terms.
Can I prepay my Fullerton India (now SMFG India Credit) personal loan early?
Fullerton India (now SMFG India Credit)'s prepayment policy: Nil after 12 months. Prepaying your loan reduces the outstanding principal and can save you significant interest over the remaining tenure. Use the calculator to see how much you can save.
How fast does Fullerton India (now SMFG India Credit) disburse personal loans?
Fullerton India (now SMFG India Credit) typically disburses personal loans within 24-48 hours. Disbursal time depends on document verification, KYC completion, and your profile. Existing Fullerton India (now SMFG India Credit) customers may get faster disbursal through pre-approved offers.
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