CITIBank Personal Loan


At Citibank, you can avail personal loans ranging from Rs. 50,000 to Rs. 30 lakh, with attractive interest rates starting from 9.99% p.a. to 16.49% p.a. per annum. With CITIbank personal loans you have the flexibility to repay the loan over a maximum period of 60 months.

Now you can apply for CITIbank personal loan loans online to avail a personal with attractive interest rates, flexible tenures and EMIs so that you can fulfill your needs without compromising your savings and current budget.

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CITIBank Personal Loan Details

CITIBank Personal loan is here to support you every step of the way. Hence, go through the loan details in the table below to have a better idea before you plan to avail a personal loan.

Factors Fees & Charges
Interest Rate 9.99%p.a-16.49%p.a
Loan Amount Rs. 50,000 to Rs. 30 Lakhs
Tenure Up to 6 years/td>
Minimum Salary ₹15,000 per month
Processing Fee Up to 1.50% (Rs 1,000-Rs 15,000)
Credit Score Over 700
Lowest EMI per Lakh Rs.2124
Employee Status Salaried and self-employed.

Table of Contents: citibank personal loan

CITIBank Personal Loan Interest Rates & Charges

CITIBank personal loan interest rates range from 9.99% p.a. to 16.49% p.a.Citibank might ask for a modest booking fee or processing fee for approval for loan amount. However, more information you can refer the table below;

Particulars Details
Interest Rate 9.99%p.a-16.49%p.a
Processing fees Up to 3%
Credit Score Over 700
Pre-closure charges Up to 4% of the outstanding balance.

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CITIBank Personal Loan EMI Calculation

EMI Calculation helps plan & determine your loan payments based on your specific borrowing requirements. By entering the loan amount, interest rate, and tenure, you can easily calculate your monthly EMI using the CITIBank Personal Loan EMI calculator for a well estimated your financial expenses and plan your loan repayment accordingly.

₹
%
Monthly EMI ₹86
Principal Amount ₹1,000
Total Interest ₹32
Total Amount ₹1,032.00

Year Month Principal (A) Interest (B) EMI (A+B) Balance Loan Paid to Date (%)

Comparison of CITIBank Personal Loan Vs Other Banks

When considering a personal loan it's important to compare different options available in the market. CITIBank stands out with their unique features and benefits. Let's explore and compare between CITIBank personal loans and offerings from other banks to help you make an informed decision while you are planning to apply for a CITIBank personal

Lender Interest Rates (p.a.)
Axis 10.25% - 21% p.a
HDFC Bank 10.50% onwards
SBI 11.00%-15.00%

Read More

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Note: The current rates may vary marginally and are inclusive of other charges.

CITIBank Personal Loan Eligibility

Citibank defines specific eligibility criteria for individuals applying for personal loans, taking into account factors such as age, employment status, income level, creditworthiness, and residency. The table below entails the details on CITIBank personal loan eligibility criteria:

Age The applicant should be above the age of 18 years
Employment Type Salaried or self-employed
Salary Minimum of ₹15,000 per month

CITIBank Personal Loan Documents Required

For a hassle-free personal loan journey at CITIBank you only need minimum documents to experience an easy application process. Below are the specific set of documents you all need.

Identity Proof

  • Photograph,Passport, Voter ID, Driving License, Aadhaar

Income Proof

  • Latest salary slip, Form 16, last 6 months audited account statement, ITR returns for the last 2 years.

Address Proof

  • Landline Bill, Electricity Bill, Ration Card, Voter ID, Passport.

Employment/Business proof - Salaried

  • Letter from employer
  • Form 16/pay slips

Employment/Business proof - Self-employment

  • Rent receipts or lease deed
  • Utility bills
  • Bank statement for the past 3 years

Features of CITIBank Personal Loan

Here are the exclusive features and benefits of CITIBank personal loan that will help you avail a personal loan seamlessly in an uncomplicated process:

Personal Loans

Avail personal Loan
upto 30 Lakhs

Quick Disbursal

Loan get funded with
in 48 hours

Multi-purpose

Meet all your various
financial aspirations

Less-Paperwork

Get loan amount at
minimal documentation

No-collateral

Get loan without risking
any collateral

Fixed interest rate

Get loans on fixed interest
rates starting at 10.75%
onwards

Steps to Apply for CITIBank Personal Loan with Buddy Loan

Here’s the step-by-step process that you can follow to apply for CITIBank personal loan on Buddy Loan:

  • Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
  • Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
  • Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
  • Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
  • Step 5: Enter your work details (Including company name, years of service and Designation)
  • Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
  • Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.

    • Ready to take the next step? Apply for a Personal loan now!

    Frequently Asked Questions On citibank personal loan

    Citibank offers instant approval for certain loan products, but it ultimately depends on various factors such as your creditworthiness and the specific loan you are applying for.

    Banks that are known for providing personal loans easily may vary based on individual circumstances and requirements. It is advisable to research and compare offerings from different banks to find the one that suits your needs best.

    Citibank approves a personal loan within 10 business days. However, the completeness of your application, and the bank's internal processes. Typically, it can take a few business days to receive a loan decision.

    Citibank will notify you of your loan approval through various channels such as email, phone call, or mail.

    With a credit score of 720, you may be eligible for a substantial loan amount. However, the exact loan amount will depend on additional factors such as your income, debt-to-income ratio, and other financial considerations.

    The interest rates for Citibank Personal Loans can vary depending on factors like the loan amount, tenure, and your creditworthiness. It is advisable to contact Citibank or visit their official website to get the most up-to-date information on their interest rates.

    The repayment tenure for Citibank Personal Loans can vary based on the loan type and the specific terms you agree upon. Generally, Citibank offers repayment tenures ranging from 12 to 60 months. It is important to review the loan terms and conditions to understand the specific repayment tenure options available to you.

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    Please read the Terms & Conditions carefully as deemed & proceed at your own discretion.

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