Fullerton Home Loan

  • Interest Rate starting from 8.99%
  • Loan Amount up to Rs.5 crores
  • Loan Tenure up to 30 years
  • Processing Fee up to 3% of loan amount + GST
Get Fullerton India Home Loan

Fullerton India Home Finance Co. Ltd, alternatively known as Fullerton Grihashaktioffers customers home loans starting at just 8.99% interest rate. Fullerton India home loans cater to the various needs of a customer ranging from funding their home purchase, construction, renovation and even extension of an existing house.

Fullerton Home Loan Summary
Interest Rate8.99% onwards
Loan AmountUp to Rs.5 crores
Loan TenureUp to 30 years
Processing ChargesUp to 3% of the loan amount + GST

Note : The above rates are subject to change at the discretion of the banks or on the basis of RBI directives.

Fullerton India Home Loan Eligibility

Criteria for different home loan schemes under Fullerton India Home Finance Co. Ltd may vary but below are some common eligibility criteria.

An Applicant must be:
  • An Indian Resident
  • Salaried or self-employed
  • Between 21 and 65 years of age

Fincity makes it easy to find out the home loan amount you are eligible for!

Use the Fincity Eligibility Calculator to access the result immediately.

Fullerton India Home Loan Interest Rates

Fullerton India Home Loan interest rates begin at 8.99% and extend up to 12% per annum. However, the actual interest rate depends on the customer’s risk profile and factors such as their income, loan amount, loan tenure, property type and credit score.

Note :The above rates are subject to change at the discretion of the banks without prior notice.

Fullerton India Home Loan Processing Fees & Charges

Here’s a list of the processing and other fees charged by Fullerton India Home Finance Co. Ltd when you apply for a Home Loan.

Processing Fee/ Charge

Up to 3% of the loan amount 

Application Fees
  • For Loan less than or equal to Rs.10 Lakhs: Rs.2,500
  • For Loan amount > Rs.10 Lakhs and <=Rs.25 Lakhs: Rs.3,500
  • For Loan amount > Rs.25 lakhs and <= Rs.50 Lakhs: Rs.4,500
  • For Loan amount > Rs.50 Lakhs: Rs.6,000 
Documentation Fees (Only for disbursed cases)
  • Loan Amount <= Rs.25 lakhs: Rs.1,500
  • Loan Amount > Rs.25 Lakhs: Rs.3,000 
Stamp Fees and Charges (if applicable)

Rates applicable according to state laws. In-house stamping service charges are 5% of stamp rate 

Conversion Fee

Up to or less than 0.5% of the outstanding principal amount 

Cheque / ECS / DDM/NACH bounce charges


Delayed EMI Payment Interest (per month of delay, every month)

2% of overdue EMI per month, calculated on a daily basis 

Swap charges for any repayment modification

Rs.600 per swap instance 

CERSAI Charges (Non-Refundable)
  • Loans up to Rs.5 Lakhs (for original filing and modification): 110
  • Loans above Rs.5 Lakhs (for original filing and modification): 210 
Prepayment Charges (in part or full)
  • Individual Borrowers (Primary and co-borrowers) under floating rate of Interest: No prepayment charges for partial/full prepayment
  • For Others: Up to 7% of the prepaid loan amount 
Part disbursal/ per tranche fee


Duplicate Statement of Account/Loan Agreement/NOC


Charges for a copy of original title deeds of Property


Collection of Cheque/Cash (per collection)


Note :The above rates are subject to change at the discretion of the banks without prior notice.

Fullerton Grihashakti Home Loan EMI Calculation

The best way to decide on the right home loan scheme is to do the math (aka know the EMI)! With Fincity’s Home Loan EMI calculator, you can easily compare the approximate loan installment amount for each scheme and then decide on the one you are comfortable with.

Fullerton India Home Loan Documents Required

Below are the documents you will need in order to apply for a Fullerton Grihashakti Home Loan.

Salaried Individuals Self Employed Individuals 
  • Duly filled in and signed the application form with photographs 
  • Duly filled in and signed application form with photographs 
  • Identity, address and age proof 
  • Identity, address and age proof 
  • Salary slip of last 3 months 
  • ITR and financial statements, including balance sheet, profit & loss account, schedules. (documents must be certified by a CA) 
  • Bank statement of the past 6 months 
  • Bank statement of the past 12 months 
  • Form-16 and Income Tax Returns (ITR) details 
  • For partnership firms: Latest partnership deed
    • For companies: Latest Memorandum and Articles of Association (CA certificate on profit sharing ratio/list of directors/shareholding partnership)
    • For Limited Liability Partnership: LLP Agreement 
  • Title documents of the property 
  • Title document of the property along with business address proof 

Note : Required documents must be self-attested and may slightly differ.

This scheme is created to help any eligible salaried borrower who wishes to buy a house and needs extra funds for it. This is also an option for people who want to avail of the Balance Transfer facility and move their loan account from their current bank to Fullerton, reducing their interest payout in the process.

As the name clearly suggests, this home loan scheme is meant to fund a borrower’s (salaried or self-employed) home loan construction on an already-owned plot.

This scheme is designed to finance a customer’s home renovation or repair plans.

This home loan scheme (available to both new and existing customers) is perfect for individuals who want to add additional spaces to their current house.

The perfect home loan is no more a cause for stress!

With Fincity at your fingertips, not only do you have access to the lowest-rate loans but also free unbiased assistance by expert loan advisors at every step of the way until loan disbursal. To get started, connect with us at hl@fincity.com.