Citi Bank Personal Loan

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Personal Loan Enquiry

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With Citibank Personal Loan, customers can fulfil their dream of a wedding or a family vacation or you can pay the bills if any emergency in your family occurs. The facility of personal loan by Citibank is available to you within 48 hours (2 days) so that customers can accomplish their goals as soon as possible.

Citi Bank Personal Loan Details

Personal loans are best for every person because of its unsecured nature, easy availability, less processing time, and hassle-free documentation. Therefore, to take the charges of your finances, Citibank provides you a personal loan quickly and conveniently. You can apply for the Citibank personal loan in an online and offline manner to step towards your dream. The loan amount will be transferred to your account within 48 hours with minimal documentation.

Citibank personal loan is available for salaried employees and self-employed with a loan amount up to Rs 30 Lakh. It is available at a minimum interest rate of 10.50% p.a. with a maximum rate of 18.99% p.a. and applicant’s age in between 21 years to 60 years.

Citi Bank Personal Loan Information

With Citi Bank Personal Loan you can apply for loan just in 2 days (48 hours) with 10.50% onwards. Below table gives the complete details of Personal Loan.

    Citi Bank Personal Loan Details
    Loan Category Personal Loan
    Loans Offering Personal Loan
    Loan Type Unsecured personal loan
    Interest Rate 10.50% onwards
    Processing Fee 0.50% to 3.00%
    Approval Process Both online and offline
    Minimum Income Requirement ₹25,000 per month for salaried applicants, and ₹5 lakh in gross annual receipts for self
    Loan Approval Timing 2 days (48 hours)
    Minimum Loan Amount ₹25,000
    Maximum Loan Amount ₹30 Lakh
    Minimum Loan Period 6 months
    Maximum Loan Period 60 months/5 years
    Type of Interest Rate Fixed interest
    Interest Charging Method Reducing balance method

Citi Bank Personal Loan Eligibility Criteria

There are eligibility criteria set by Citi Bank for their personal loan:

    Citi Bank Personal Loan Details
    Salaried Employees Yes
    Salaried Doctors Yes
    Employees of public and private limited companies Yes
    Government sector employees including Public Sector Undertakings, Central and Local bodies Yes
    Loan for Pensioners Yes
    Loan for Existing Customers Yes
    Self-Employed Yes
    Selected Corporate Yes
    Other Criteria NA
    Minimum Age 21 years
    Maximum Age 60 years at the time of maturity of the Personal Loan
    Minimum Income Requirement ₹25,000 per month for salaried applicants, and ₹5 lakh in gross annual receipts for self

Citi Bank Personal Loan Strengths/Advantages

  • Easy and fast loan availability.
  • Least documentation required.
  • Low interest rate which is affordable to many people.

Citi Bank Personal Loan Weaknesses/Disadvantages

  • No other products and services are provided such as wedding loan, car loan, etc. under personal loan head.
  • High foreclosure charges on the outstanding principal.

Request call back from Citi Bank Personal Loan

Citi Bank Personal Loan Products & Services

Citibank offers product and services which are as follows:

  • Personal loan:

  • Citibank Personal Loan interest rate falls between 10.50% to 18.99% p.a. so that you can manage your personal loan efficiently. The loan amount ranging in between Rs 25,000 to Rs 30 Lacs comes with flexible tenure and speedy approval. You can apply for Citibank personal loan in online and offline modes and check with the status of loan by making call to the bank.

Citi Bank Personal Loan Feature

Citi Bank Personal Loan offer various services, please find below the list of features offered by the vendor.

    Citi Bank Personal Loan Details
    Personal Loan No
    Wedding Loan No
    Education Loan No
    Home Renovation Loan No
    Two Wheeler Loan No
    New Car Loan No
    Used Car Loan No
    Travel Loan No
    Medical Loan No
    Top Up Loan No

Citi Bank Personal Loan Charges

Here is the detail charge list for Citi Bank Personal Loan process. We have covered all possible charges for your loan requirements for clear visibility on Citi Bank Personal Loan processing.

    Citi Bank Personal Loan Details
    Co-Applicant Allow No
    Income Criteria Yes
    Collateral Requirement No
    Pre Approved Credit Limit NA
    Foreclouser Charges Up to 4% of the outstanding principal plus interest for the ongoing month
    Loan Foreclouser Conditions NA
    Bounce Charges NA
    Bounce Charges Self Employed NA
    Late Payment Penalty NA
    Duplicate NOC Charges At actual
    Stamp Duty Charges As per laws
    Instrument Swapping Charges NA
    Loan Cancellation Charges NA
    Stamp Duty Charges As per laws
    Loan Rebooking Charges NA
    Statement Of Account Charges NA
    Duplicate Repayment Schedule NA
    EMI Payment Mode Standing Instruction (SI), Electronic Clearing Service, Post-dated cheque
    Overdue Payment Mode NA
    Hidden Charges NA

Citi Bank Personal Loan Customer Care Details

  • Customer Support Email - NA
  • Customer Support Toll Free No - 1860 210 2484
  • Customer Support Chat Facility - No
  • Customer Support Whatsapp Number - NA

Citi Bank Personal Loan Calculator and Download Links

    In this section we have listed all important links related to Citi Bank Personal Loan.

    Citi Bank Personal Loan Details
    Banks NA
    Charges Information Link
    Personal Loan Eligibility Calculator Link NA
    Personal Loan EMI Calculator Link NA
    Education Loan EMI Calculator Link NA
    Car Loan EMI Calculator Link NA
    Product Demo Link NA
    Website Link NA
    Android App Downlaod Link Android Mobile App Download
    iOS App Downlaod Link iOS Mobile App Downlaod

Citi Bank Personal Loan Application Process Details

    Citibank Personal Loan application process for new customers:

    • Head to the official link from your web browser: Link or signup into your Citibank mobile application > Personal Loan > Apply Online
    • Fill your mobile number & DOB or PAN Card details registered with Citibank and you will get an OTP.
    • After logging in to the account with OTP, enter the desired loan amount.
    • You have to upload the required documents, such as PAN Card and address proof.
    • As you get loan approval, the funds will be disbursed to your account.

     

    Citibank Personal Loan application process for existing customers:

    • Head to the official web link to apply for Citibank Personal Loan
    • You already have an account with the bank so need not to provide your KYC details
    • Enter your basic details, such as your Name, Email ID and Phone number, and submit the form.
    • Citibank customer representative will call you for the loan.

Citi Bank Personal Loan Documents Requirements

Please find below the list of documents required to avail personal loan. Aadhar, PAN and Income Proof are the most important documents, other documents are optional. Bleow is the complete list of documents you can keep ready for your loan application.

    Citi Bank Personal Loan Details
    Age Proof Copy of Passport/Driving License/Aadhar Card
    Address Proof Copy of Passport/Driving License/Aadhar Card/Voter ID/Ration Card
    Identity Proof Registered Rent Agreement/Utility Bills last 3 months/Copy of Passport/Copy of Ration card
    Income Proof for Salaried Emp Salary slip of last 3-6 months, ITR or Form 16, 6 month bank statement
    Income Proof for Self Emp IT returns for the last 2 years along with audited balance sheet, P&L account statement for 2 years

Apply for Instant Personal Loan

Do you know you could opt for personal loan from your mobile? Now taking personal loan is very easy. Oue expert team compare top personal loan service in India to help in getting personal loan with minimum paperwork.

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Last Updated on 2020-05-06T02:29:25+00:00


Citi Bank Personal Loan FAQs

  1. 1. What is the interest rate for personal loan in Citibank?

    Citibank offers its personal loan at low-interest rates to salaried as well as self-employed individuals. The minimum rate of interest on Citibank Personal Loan is 10.55% p.a. and the maximum interest rate is 18.99% p.a. with a minimum EMI of Rs 2,149 per lakh for a tenure of 60 months.

     

     

  2. 2. How to pay Citibank personal loan EMI online?

    You can pay the EMI of Citibank personal loan online in three ways:

    • NEFT: You can get funds credited to your Personal Loan Account through NEFT option even when you pay through a non-Citibank Bank account.
    • E-PAY: E-Pay service by Citibank lets you pay your Personal Loan EMI online even if you don't have a Citibank banking account. All this take two working days to get credited into your personal loan account.
    • ACH/ECS: You can transfer the funds from one bank account to your personal loan account with the facility of ACH or Automated Clearing House. For this, you are required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with another bank.

     

     

  3. 3. How to pre-close Citibank personal loan?

    Instead of paying monthly EMIs, you can pay off the remaining outstanding amount of the loan in one single payment and this is called pre-closure of personal loan. Citibank allows pre-closure after 1 year of the date, the loan was sanctioned but also charge up to 4% on the total principal outstanding.

     

     

  4. 4. Can I check my Citibank personal loan status online?

    Yes. You can check your Citibank personal loan status online on its app as well as website. All you need to do is log in to your account and enter the details such as the mobile number and application number. After providing your details, you will get to know the status of your loan application.

     

     

  5. 5. How do I pay my Citibank personal loan?

    You can pay EMI through NEFT, E-payment and ACH/ECS facility. At Citibank, Personal Loan EMI payment can set up as a standing instruction to pay your EMI dues.

     

     

  6. 6. How to check Citibank Personal Loan Status?

    A person can check the Citibank Personal loan status by calling the toll-free number: 18602102484 or for any other financial query regarding Personal Loan.

     

     

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