Citi Bank
Citi Bank India is a global banking institution that has served customers in India for decades. While Citibank’s consumer banking business in India has been transferred to Axis Bank, Citi continues to provide banking services for institutional clients, multinational companies, corporate banking, treasury, and wealth management. Existing eligible retail customers continue to be serviced through Axis Bank for consumer products.
Contact With BorrowRight
Loan Interest Rates
| Loan Type | Interest Rate (Approx.) | Loan Amount | Repayment Tenure |
|---|---|---|---|
| Personal Loan | 9.99% – 16.99% p.a. | Up to ₹30 Lakhs | Up to 5 years |
| Home Loan | 7.50% – 9.50% p.a. | Based on eligibility | Up to 30 years |
| Loan Against Property | 8.50% – 11.50% p.a. | Based on property value | Up to 20 years |
| Education Loan | Based on lender policy | Based on eligibility | Up to 15 years |
| Business Loan | Based on lender policy | Based on business eligibility | Up to 5 years |
EMI Calculator – Calculate Your Monthly Loan EMI Instantly
Use the BorrowRight EMI Calculator to estimate your monthly EMI, total interest payable, and total repayment amount for Home Loans, Personal Loans, Car Loans, Business Loans, and Loan Against Property. Adjust the loan amount, interest rate, and tenure to find the repayment plan that fits your budget.
This layout is user-friendly, improves engagement, and can encourage more visitors to submit loan inquiries.
Eligibility Criteria
Salaried Individuals
- Age: 21–60 years
- Stable monthly income
- Good credit score (preferably 750+)
- Regular employment
Self-Employed Individuals
- Age: 21–65 years
- Stable business income
- Business continuity as per lender policy
- Good repayment history
Documents Required
Identity Proof
- Aadhaar Card
- PAN Card
- Passport
- Driving Licence
Address Proof
- Aadhaar Card
- Passport
- Utility Bill
Income Proof
For Salaried
- Last 3 Salary Slips
- Bank Statements
- Form 16
For Self-Employed
- Income Tax Returns (ITR)
- GST Registration (if applicable)
- Bank Statements
- Financial Statements
Loan Charges
| Charge | Details |
|---|---|
| Processing Fee | Depends on the loan product and lender policy. |
| Documentation Charges | Applicable for selected loan products. |
| Late Payment Charges | Charged on overdue EMIs. |
| Foreclosure/Prepayment Charges | Applicable as per loan agreement and RBI guidelines. |
| EMI Bounce Charges | Charged if EMI payment fails due to insufficient funds. |
| Penal Interest | Applicable on delayed EMI payments. |
| GST & Government Taxes | Applicable on processing fees and other service charges. |
Why Choose Citi Bank?
- ✔ Global banking expertise
- ✔ Strong digital banking platform
- ✔ Competitive loan solutions for eligible customers
- ✔ Transparent loan process
- ✔ Flexible repayment options
- ✔ Secure online banking
- ✔ Excellent customer support
- ✔ International banking services
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