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Fullerton India believes that long-lasting relationships are key to permanency and stability in an evolving business environment. That is why our experts are here to support your business growth at every stage of the business life cycle and deliver cost effective solutions across geographies with a flexibility that is unrivalled. Our innovative solutions take the stress out for you, so that you can focus on your business.

It takes a company born and bred in the finance market to understand the way businesses think, thrive and act. Taking advantage of our established branch network, we deliver fresh thinking to enable your business to stay ahead of competition.

SME Loans - To become enterprise from entrepreneur
Fullerton India Advantage

Loans up to 80% of property value.

Wide range of acceptable collaterals.

Blend of Short Term and Long Term loans to help customize the most preferred repayment options.

Benefit from high tenor loans of up to 15 years.

  • Application form with a recent photograph
  • Proof of Identity (Passport Copy/ Voter ID card/ Driving License/ PAN Card)
  • Address Proof (Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement/Driving License)
  • Age proof (PAN Card, Passport, any other certificate from a statutory authority)
  • Bank Statements (Bank statement / Bank Passbook for last 6 months)
  • Profit and loss statement for last 3 years
  • Balance sheet for last 3 years
  • Income Tax Returns for last 3 years (for self and business) duly certified by a CA
  • Relevant collateral documents
  • Processing fee cheque

Who can apply for a SME Loan?

Manufacturers, Traders, Small & Medium Enterprise Owners with a minimum turnover of ` 10 Crores and at least 5 years in business can apply for an SME Loan.

What are the products offered under SME Loans?

Fullerton India offers SME Loans under 4 variants, namely, Long Term Loans, Business Installment Loans and Lease Rental Discounting.

What is a Long Term Loan?

These are loans that can be availed for meeting long term working capital or for purchase of equipment, plant & machinery or Real Estate. We accept a broad suite of collaterals that range from commercial, residential and industrial property.

What is the selection criterion for SME Loans?

Fullerton India assesses the business of the customer across 8 broad parameters. The criteria include: years in business, management experience, tangible net worth, credit history, revenue trends year-on-year, interest cover and obligations of all existing loans.

What is acceptable as collateral for applying for a SME Loan?

Fullerton India accepts

  1. Residential property owned and occupied by the borrower / promoter.
  2. Ready commercial property (shop, offices, franchise outlets) owned and occupied by the borrower/ promoter (primary Collateral).
  3. Ready residential / commercial properties which are partly rented and partly self – occupied.
  4. Industrial property owned and occupied by the borrower.


  • We do not accept under-construction properties as collateral.
  • We offer a maximum Loan to Value (LTV) of 80% based on the categorization of the collaterals. Please get in touch with our Relationship Manager for further details.

* Loans are at the sole discretion of Fullerton India and are subject to guidelines of the Reserve Bank of India. Fullerton India may engage the services of marketing agents for the purpose of sourcing loan assets in certain locations.