Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Featured Questions - Personal Loan

What Is EID Number In Aadhaar Card?
Personal Loan

What Is EID Number In Aadhaar Card?

Learn about the Aadhar Card enrolment process and what an Aadhar Enrolment ID (EID) is.

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What Is Cumulative Interest?
Personal Loan

What Is Cumulative Interest?

Do you what cumulative interest means and how it impacts loans and investments?

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How to Prevent Misuse of Your Aadhaar Card?
Personal Loan

How to Prevent Misuse of Your Aadhaar Card?

Discover methods to lock your Aadhaar data and prevent fraud. Save your personal details from unauthorized use with our proactive recommendations…

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What Is The Maximum and Minimum Duration For Personal Loan?
Personal Loan

What Is The Maximum and Minimum Duration For Personal Loan?

Curious to know the maximum and minimum duration for personal loan? Read our blog to find out and get all the answers you want.

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Co-Borrower Vs Co-Signer of Personal Loan- What's The Difference?
Personal Loan

Co-Borrower Vs Co-Signer of Personal Loan- What's The Difference?

Are you applying for a personal loan as a co-signer or co-applicant? There are major differences between these two. Learn more!

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Difference Between Flexi Personal Loans & Term Loans
Personal Loan

Difference Between Flexi Personal Loans & Term Loans

A comparison of Flexi Personal Loan & Term Loan on the basis of loan amount, rate of interest, structure of EMIs & fund disbursal.

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What is the ECN Number in CIBIL Report?
Personal Loan

What is the ECN Number in CIBIL Report?

ECN number is a nine-digit number generated when a lender finds the credit history of the borrower.

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How to Get a Personal Loan without a Guarantor?
Personal Loan

How to Get a Personal Loan without a Guarantor?

Do you want to know how you can get a Personal Loan without any guarantor. Know more & get a personal loan without a guarantor.

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What is a Personal Loan Agreement?
Personal Loan

What is a Personal Loan Agreement?

A personal loan agreement is a document that contains terms & conditions between a borrower and lender. Know more about personal loan…

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What is Credit Monitoring & is it Important for You?
Personal Loan

What is Credit Monitoring & is it Important for You?

Credit Monitoring helps to inspect the signs of fraud related to credit history. Here you can know why it is important.

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Write Off vs. Waive Off
Personal Loan

Write Off vs. Waive Off

Most people tend to use the terms ‘loan write-off’ or ‘loan waive-off’ interchangeably.

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How To Change EMI Date of a Personal Loan?
Personal Loan

How To Change EMI Date of a Personal Loan?

In this learning guide, we will know about the personal loan EMI date change procedure.

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What is Loan Repayment Schedule & Why is it Important?
Personal Loan

What is Loan Repayment Schedule & Why is it Important?

Read this to know what is Loan Repayment Schedule and its Importance.

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Credit Score vs. Credit Report - Know What's the Difference?
Personal Loan

Credit Score vs. Credit Report - Know What's the Difference?

The credit score is calculated taking into account the information that is listed in your credit report.

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What is a Credit Report & Why is it Important for you?
Personal Loan

What is a Credit Report & Why is it Important for you?

Credit report is a history of how you have managed your credit in the past and what you are currently doing with it.

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Is Balance Transfer a Good Idea for a Personal Loan?
Personal Loan

Is Balance Transfer a Good Idea for a Personal Loan?

Know when a Personal Loan Balance Transfer can help you, and tips on how to transfer your personal loan at the best rates and fees.

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What is FOIR and How is It Calculated On a Personal Loan?
Personal Loan

What is FOIR and How is It Calculated On a Personal Loan?

The full form of FOIR is ‘Fixed obligations to income ratio’. It is the most commonly used parameter by lenders to determine the loan eligibility…

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What is the Minimum Salary Required to Get a Personal Loan?
Personal Loan

What is the Minimum Salary Required to Get a Personal Loan?

Are you confused about how much salary required to qualify for a personal loan? If yes, here is the answers to your queries.

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Should You Take a Personal Loan for Home Down Payment?
Personal Loan

Should You Take a Personal Loan for Home Down Payment?

Know why you should take a personal loan to make a down payment for a home loan, also learn about the process.

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How is Interest Rate Calculated on a Personal Loan?
Personal Loan

How is Interest Rate Calculated on a Personal Loan?

Learn how personal loan interest rates are calculated, also know the methods to calculate personal loan interest rate & EMI.

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What is the Moratorium Period in Personal Loan?
Personal Loan

What is the Moratorium Period in Personal Loan?

A moratorium period is the duration of the loan tenure during which you are not obligated to repay the loan.

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What is the Personal Loan Disbursement Process?
Personal Loan

What is the Personal Loan Disbursement Process?

Check what steps are included in the disbursement of the personal loan.

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What is Personal Loan Prepayment?
Personal Loan

What is Personal Loan Prepayment?

Check what is the process of personal loan prepayment, also know about fees & charges.

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How to Pre-Close Your Personal Loan?
Personal Loan

How to Pre-Close Your Personal Loan?

A personal loan can be close before completing the tenure, know the full process here.

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How to Get a Personal Loan without Security?
Personal Loan

How to Get a Personal Loan without Security?

Know how you can avail a personal loan up to Rs. 30 Lakhs* without any security.

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What is a Personal Loan?
Personal Loan

What is a Personal Loan?

Personal Loan is an unsecured loan, here you can know about eligibility, documentation & interest rates.

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What is the Personal Loan Process?
Personal Loan

What is the Personal Loan Process?

Check what steps are included in the personal loan process from application to disbursal.

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