Rate Your Bank
 
Product Type :

Bank that you want to rate :

Product :

Pricing
Product Features
Customer Service
Convenience
Title


Review
Name


Email*


City


Verification Code
* Email:Required, will not be displayed.
Kindly fill in your details for Personal Loan
* Customer name:
 
* Email:
* Gender:
Male    Female
* DOB:
    
* City:
* Residence Address:
* Mobile No:
* Occupation:
* Total Exp. (In years):
* Net Income (Rs.):
* Loan Amount (Rs.):
* Marital Status:
* Company Name:
* Residence No:
* Office No:
* Experience in Current Job/Business (Yrs.):
I accept, understand & agree to always abide with the Important Terms & Conditions and the Privacy Policy of this website.I also agree to allow Rupeetalk to utilise any or all information I have entered, or will enter in the future on this website,in any such manner as Rupeetalk may deem fit.

Citi Bank Personal Loan

Citi Bank Personal Loan

 

  • Expert Rating
  • ratingratingratingratingrating
  • Avg. user Rating
  • ratingratingratingratingrating

 

  • Pricing
  • Product Feature
  • Customer service
  • Convenience

 

Member's Recomendation

5   0

4 review(s)
Expert Review | Write a Review

  • Maximum Loan Amount
  • Rs. 1500000
  • Minimum Loan Amount
  • Rs. 50000
  • Interest Rate(Max)
  • 20 %
  • Interest Rate(Min)
  • 15 %
  • Interest Type
  • Floating
  • Late Payment Fee
  • 2% p.a.
  • Processing Fees
  • 3 %
  • Prepayment Charges
  • 5 %
  • Repayment Period (Max)
  • 5 year(s)
  • Repayment Period (Min)
  • 1 year(s)

Features and Benefits of Citi Bank Personal Loan

Features:

·         Personal loan can be taken for renovating house, celebrate wedding ,planning an outing etc.

·         Loan available up to Rs 15 lakh.

·         Loan repayment period varies up to 60 months

·         Hassle free loan without guarantors, security or hypothecation.

·         Personalized services are provided to all the customers.

·         For existing customers with a clear repayment in 12 months

Eligibility:

·         Personal Loan is currently available for salaried individuals and self-employed professionals & existing customers who have Suvidha premium account or a home loan can avail of Citibank Personal Loan.

Charges:

·         Booking Fee (Processing Charges): Up to 2.5% of the loan amount sanctioned, this fees is deducted from loan amount at the time of disbursal.

·         Cheque/ECS bounce charges: Rs 250 per bounce.

·         Late payment charges: All the EMIs have to be paid on 1st of every month if delay in payment an additional interest of 2% p.a. is charged on outstanding balance of loan.

·         Loan pre closure charges: Prepayment of loan is not allowed within 6 months from disbursal of loan. No partial prepayment is allowed, pre-closure charges are levied at the rate of 3% on total principal outstanding.

·         Statement Copy: Rs 500.

 

Interest Rate:

 

·         Interest rate on the loan will be the rate applicable at the time of signing the loan agreement currently it is 15% to 20% p.a.

Documents Required for Citi Bank Personal Loan

Salaried Individuals

  • Application form with recent photograph
  • Salary slip for last 2 months
  • Bank statement for last 6 months
  • Proof of Identity (any one): Passport/Driving licence /Photo credit card/Employee licence/Voter's ID/PAN card
  • Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill

Self Employed

  • Application form with recent photograph
  • IT returns for last 2 years
  • Bank statement for last 6 months
  • Proof of Identity (any one): Passport/Driving licence/Photo credit card / Employee licence/Voter's ID/PAN card
  • Proof of Residence (any one): Driving licence/Any utility bill/Govt. or authority bill
  • Proof of Age (any one): Birth certificate/Passport/Life insurance policy or premium receipt
  • P&L and Balance Sheet for last 2 years certified/audited by CA

User Reviews

  • Product Rating -

Average user rating

  • Pricing
  • Product Feature
  • Customer service
  • Convenience
  • Member's Recomendation

Nice service from citi bank personal loan

By: Deepak, Bangalore | 06 May 2010

They do carge for it but i must say that their customer service is good and the clarity on terms explained is very clear. As expected they dont reduce the rates but its fine i guess nobody else does. ...[Read]

[Comment on this review] [Write a review]

  • Product Rating -

Average user rating

  • Pricing
  • Product Feature
  • Customer service
  • Convenience
  • Member's Recomendation

Read between the lines for Citibank

By: Ajinkya, Kolkata | 04 May 2010

Citibank does sound good when you are looking out for loan but be carefull and read the terms and conditions very carefully. ...[Read]

[Comment on this review] [Write a review]

  • Product Rating -

Average user rating

  • Pricing
  • Product Feature
  • Customer service
  • Convenience
  • Member's Recomendation

Personal Loan

By: Prashant, India | 17 August 2011

Recently I took a personal loan from Citibank and went for a family trip to Dubai..it was fab.. People at citibank were very supportive and helpful.This quick amd hassle free loan processing made my ...[Read]

[Comment on this review] [Write a review]

  • Product Rating -

Average user rating

  • Pricing
  • Product Feature
  • Customer service
  • Convenience
  • Member's Recomendation

personal loan

By: subhash shedge, India | 22 July 2011

sorry...[Read]

[Comment on this review] [Write a review]

  Write a Comment

Name
Comments
Verification Code
Give your contact details, our advisor will get in touch with you.
* Customer name:
* Mobile:
* Email:
* City:
* Your Post
* Please type the verification code:

Ask the Expert

Having difficulties with your existing credit card? have so many problems but no one to answer them?
Our experts will give you unbiased advise free from any sales intent.

Ask our experts and get your problem solved:

Call us on 1800 180 7575
(Mon-Sat 10AM to 5.30PM)
SMS 'rupee' to 56070

or submit your details here

Select by benefits

  • Loan Amount
  • Tenure
  • Occupation
  • City
 
Email This
* Your Name:
* Your Email:
* Friends Email:
(Separate multiple email addresses with commas.)
OR Send email using your contact list
* Your Message: