One advice: avoid Fullerton. It is an exploitative company which likes to extract its pound of flesh. Operating like a private money-lender, it has all the tricks up its sleeve to exploit its customers. It is most likely managed by a money lender only.
I applied for a loan of Rs 2.50 lakhs, they sanctioned Rs 2.59 lakhs, and disbursed Rs 2.46 lakhs only. The balance amount was used to buy some insurance policies(ICICI Prudential) and some interest calculations. So after paying two instalments, I am still left with an outstanding principal of Rs 2.47 lakhs.
Worse, it stabs you in the back for its own mistakes. I was told by an employee that its gets ECS rejected from banks, and charges Rs 647penal interest from almost all borrowers. So you are likely to be charged with penal charges for some mistake you didn’t commit.
Go to a bank instead. Or make do with what you have. Avoid Fullerton: you will have a bad time.