City Bank Personal Loan

An unmatched Personal Loan program which allows you to avail up to   15 lakhs* in just 48 hours^.

Top reasons to get a Citibank Personal Loan
Loans up to  15 lakhs*
Fund available in your Bank Account** in 48 hours^
Attractive Interest rates*
Simple Documentation
No Securities or guarantors required


Processing Fees: 1.5% of loan amount

Prepayment Charges: 2% of outstanding amount

Max Tenure: 5

Min-Max Age: 21-60

  The above rates are purely indicative. The actual rates that you can get from the bank depend on various factors like income, company profile, turnover, repayment history, qualification and negotiating power etc.
Main Features ...

'Citibank Ready Cash' is a personal loan to meet various purposes with no guarantor or security. The maximum loan

tenure is Rs. 10 lakh with a repayment tenure of 5 years. Both, salaried as well as self- emplyed individuals can

avail of the loan.

Personal Loan up to 15 lakhs* in your bank account in just 48 hours^

No guarantors, security or hypothecation*

Loan repayment in flexible tenures of up to 60 months

Personalised and professional service

If you are an existing Citibank Personal Loan customer with a clear repayment of 12 months or more,

we can help you 
top-up your personal loan

We have special offers for you if you have an existing Suvidha,Branch or a Mortgage relationship with us

We facilitate availing you of a Credit Shield which is the Loan Protection Program from TATA AIG

Process & Eligibility...

Identity proof :

Passport,Birth certificate,School Leaving certificarte,Photo Pan card, Driving License, Votes,ID Card,

Photo Ration Card.

Residence proof :

Passport, Telephone Bill, Ration Card, Electricity Bill, Driving License, Life/Medical Insurance policy,

Rental Agreement, Apartment Allotment Letter

Signature Proof:

By the Banker of the bank from which Repayment Instruction is given cleared LOF Cheque if issued

by Customer from where Loan Repayment Instruction is given Citibank Branch Acount Passport

Income Tax Receipt PAN Card

Proof of Income & Occupation:

IT Returns for the last two years and supplementry documents Computation of Income Schedule P & L

Account Balance Sheet Audit Report (wherever applicable) Above accounts to be certified by CA Last six

months Bank Statement

Availing a Citibank Personal Loan :

How does a Citibank Personal Loan benefit me?


A Citibank Personal Loan can be used for any of your requirements - personal or business. You can use it

for your child's higher education, purchasing consumer durables or a personal computer, a car or a two

wheeler, to meet the expenses of family functions, to go on a vacation, to consolidate your expensive debt

into a cheaper debt - or just about anything!

Who can apply for a Citibank Personal Loan?


A Citibank Personal Loan is currently available for salaried individuals and self-employed professionals.

Existing Citibank customers with a Suvidha, Branch or a Mortgage relationship can avail of a Citibank

Personal Loan

I am an existing Citibank Personal Loan customer, Can I avail an additional loan amount?


Yes, you might be eligible for an additional amount if it has been a year or more since you have availed of

your loan. To find out if you are eligible, please contact 24-Hours CitiPhone Priority Service Numbers or E

mail us at

How can I apply for a Citibank Personal Loan?


Please fill the form in the Apply Now tab and our representatives will be glad to help you. You can contact our

CitiPhone Banking representatives and we would be glad to take this forward.

Repayment of Personal Loan :

What are the options for repayment tenures?


You can repay your loan over a period of 12 to 60 months.


How much would I need to repay each month?


At the time of booking your loan, the EMI (Equated Monthly Installments) is calculated based on the loan

amount sanctioned, interest rate and tenure.


What are the different modes available for repayment

of EMI?


For your convenience, we provide three options through which you can repay your loan: 

Post Dated Cheque (PDC): At the time of availing a Citibank Personal Loan, you can give PDCs equal to the

tenure of your loan, which will be presented every month to your bankers. 

Electronic Clearing Service (ECS): If you have a bank account with any bank other than Citibank, you can give

us an instruction to directly debit your bank account every month for the EMI amount. Click here to view ECS


Standing Instruction (SI): If you have a Citibank account you can give us instructions to directly debit your

Citibank account every month for the EMI due. 


When will my PDCs get presented every month?


Post Dated Cheques are presented on the first of every month to the respective bankers. If the installment

cheque for a particular month gets returned unpaid on 1st presentation, this cheque will be automatically re

presented for the second time in the same month. Cheque return charges and penal charges will not be

levied to the account, as long as the payment is received by the 7th of every month.


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