Citibank Personal Loan 2022

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Citibank Personal Loan 2022 Highlights

Now Avail Citibank Personal Loan ✔ Quick approval ✔ Lowest EMI


As a human, we aren’t in control all the time. There are things which is way out of control. And then, there are things which we can control but sometimes we fall short. And generally, these things are money-related. For such time, you can avail Citibank Personal Loan at a reasonable rate of interest.

Citibank is an apex financial institution which provides top-notch banking and many financial services to its customers. Having more than 2500 branches all over the world, Citibank has never looked back after its arrival in India and since then, it has been facilitating various types of banking and financial service to its Indian customers. 

One of the most popular products of Citibank among a lot is Citibank Personal Loan. One can avail personal loan up to Rs. 30 Lacs by meeting very basic eligibility criteria of Citibank.

Why Choose Citibank Personal Loan?

Known for its long history, Citibank never disappoints its customers with anything. Due to that, there are several reasons to choose personal loan from Citibank. They are –

  • Personal loan up to Rs. 30 Lacs for every small and big needs
  • Disbursement of loan amount within 2 business days
  • Option to pre-check your loan eligibility
  • Fixed interest rate throughout the loan tenure
  • Option to part pre-payment of the outstanding loan amount
  • Paperless loan process
  • Easy and quick documentation process

When you apply for a personal loan with Citibank, you don’t have to provide irrelevant documents like salary proof, residence proof, etc. to check your eligibility. So, be free and check your personal loan eligibility now.

Citi Bank Personal Loan Interest Rate & Charges

When it comes to the personal loan, Citibank understands the reasons for which people avail it. For that, City Bank Personal Loan Interest Rate is very reasonable and starts at 10.50% and goes up to 18.99% at max. For an easier loan repayment process, the interest rate remains the same throughout the loan tenure. 

Loan Amount 

Minimum: Rs. 50,000, Maximum: Rs.30 Lacs 


6 months to 60 months 

Interest Rate 

9.99% onwards

Processing Fee

0.50% - 3.00%

Booking Fee

Up to 3% of the sanctioned loan amount, usually deducted at the time of disbursal.

Pre-closure charges 

Up to 4% of the total outstanding loan amount + Interest of the same month

Citibank charges a personal loan interest rate that ranges from 9.99% to 18.99% per annum. The interest rate that will be charged on your personal loan amount depends on your profile and the loan amount you’re opting for.

Citibank Interest Rates for Salaried Individuals

Applicant’s Monthly Income

Citibank Interest Rates 2021

Processing Fee

Less than Rs. 60,000

9.99% - 13.99%

0.55% - 2.0%

Rs. 60,000 – Rs. 1 Lac

10.50% - 13.25%

0.50% - 2.0%

More than 1 Lac

10.50% - 11.75%

0.50% - 2.0%

For uncategorized corporates



Citibank Interest Rates for Self-Employed Individuals (Professionals)

Annual Profit 

Interest Rate 

Processing Fee 

Less than Rs. 10,00,000

17% to 17.99% 

2% to 3% 

Rs. 10 Lacs or more 

16% to 16.99% 

2% to 3% 

Citibank Interest Rates for Self-Employed Individuals (Non-professionals)

Annual Profit

Interest Rate 

Processing Fee

Less than Rs. 10 Lacs

17.99% to 18.99% 

2% to 3% 

Rs. 10 Lacs or more

17.49% to 18.49% 

2% to 3% 

Know Citibank Personal Loan Eligibility Criteria

When it comes to personal loan, Citibank approves loan application only if the applicant has successfully met all of their personal loan eligibility criteria. Despite having so much relevancy in personal loan approval process, Citibank Personal Loan Eligibility Criteria is pretty easy to meet. The bank doesn’t believe in frustrating its customers. For that, they have set eligibility criteria that those in need can easily meet. 

These are the eligibility criteria for Citibank Personal Loan

For salaried individual

  • He/she must be 26 years old or above to avail personal loan from Citibank.
  • The maximum age limit is 60 years.
  • Minimum monthly income of Rs. 40,000 is a must.
  • He/she should have a good credit score.

For self-employed individual

  • He/she must be 21 years old or above to avail personal loan from Citibank.
  • The maximum age limit is 65 years.
  • He/she should have a minimum monthly income of Rs. 40,000.
  • He/she should have a credit score of 750 or above. 

To easily check your personal loan eligibility, fill the eligibility form that is provided on the top-right corner of this page. Afinoz checks your loan eligibility within few minutes and gets in touch with you for further process.

Citibank Personal Loan EMI Calculator

To easily calculate the EMI that will be paid on borrowed personal loan amount, you can take the help of Citibank Personal Loan EMI Calculator. You can easily find it on Citibank India official website. 

For your convenience, we have also developed a personal loan EMI calculator on our website. You can locate it in our menu section. To use it, all you have to provide is a few basic details like –

  • Personal loan amount
  • Interest rate at which you’re getting the loan
  • Loan tenure you want to opt for

We have provided an example of a scenario in which someone is taking a personal loan of Rs. 1 Lac at 11% per annum. In the table given below, you can check how much EMI he will be paying if he opts for personal loan tenure of 2,4, and 5 years. 





Total Payable Interest


₹ 1,00,000



₹ 4,660

₹ 11,858

₹ 1,11,858

₹ 1,00,000



₹ 2,584

₹ 24,058

₹ 1,24,058

₹ 1,00,000



₹ 2,174

₹ 30,454

₹ 1,30,454

Documents Required for Citibank Personal Loan

These are the documents that you need to apply for Citibank Personal Loan -

For salaried individuals

  1. ID Proof – Pan Card, Aadhar Card, Driving License, Voter’s ID, Passport, Photographs
  2. Residence proof 
  3. Age proof
  4. Employment proof – letter from employer, Payslips
  5. Income proof – Bank statement, form 16

For self-employed individuals

  1. ID Proof – Pan Card, Aadhar Card, Driving License, Voter’s ID, Passport, Photographs
  2. Residence proof 
  3. Age proof
  4. Business proof – Rent Receipts, Utility Bills, Ownership Documents
  5. Income proof – Profit and loss account, ITR for last 2 years, Audit report, Balance sheet

How to Check Citibank Personal Loan Status?

With Citibank, banking becomes easy. You can easily check your personal loan application online. Generally, Citibank disburses loan amount within 48 hours of approval. If in case it gets delayed, you can easily check Citibank Personal Loan online with the help of these 3 methods –

  • Through your mobile number and date of birth 
  • Through reference number
  • Through net banking

If you don’t have access to internet, we advise you to get in touch with Citibank representative to easily track your loan application. 

Citibank Customer Care Number

Below, you can find the Citibank customer care number for various cities. Being a customer-friendly bank, Citibank offers 24*7 customer support on its customer care number. Get in touch with them to know your loan status as well as other important things related to personal loan by Citibank.


0124 2542484


022 28232484


080 22272484


079 26422484


044 28522484


0172 508 2484


079 2642 2484


0141 2372484


033 22832484




0161 501 2484


0522 2201022


1800 180 2484


020 66012484


040 66662484


0261 6532484

How to Apply Citibank Personal loan through Afinoz?

With Afinoz, availing a personal loan becomes easy. We are a marketplace for various financial products and services. To avail a personal loan from Citibank, all you have to do is to check your personal loan eligibility with Afinoz. You can conveniently find the eligibility form on the top-right corner of this page. 

Once you’re done with filling up the form, our Citibank loan representative will get in touch with you. After that, we will take the initiative to provide you with a solid financial solution. 

There are multiple benefits that you can avail if you apply for a personal loan with Afinoz. They are –

  • Options to compare and choose
  • Instant loan approval
  • Lightening fast loan amount disbursal
  • Impeccable customer support before and after loan sanctioning
  • Cashback up to Rs. 5,000 on loan disbursement

➤ FAQs

Ques. Is Citibank Personal loan good?

Yes, it is. In fact, Citibank personal loan is one of the top personal loans in the market. The lucrative interest rate, extended loan period, and loan amount up to Rs. 30 Lacs are few of its main highlights. Due to its large network, you won’t face any hassle before or after loan disbursement. To compare Citibank personal loan with other loans, get in touch with Afinoz customer support number.

Ques. Can I get loan without income proof?

To know the repayment capacity of an applicant, banks often ask for the applicant’s income proof. To be eligible for Citibank Personal Loan, you need to have a minimum salary of Rs. 40,000 or more.

Ques. What are the purposes for which I can take a Citibank personal loan?

Citibank gives personal loans for plenty of motives along with home renovation, assembly wedding ceremony expenses, debt consolidation, travel, etc. However, the guidelines set forth through the Reserve Bank of India country which you cannot use the price range for any speculative, unlawful, or delinquent purposes.

Ques. How lengthy does it take for my Citibank personal loan application to be accepted?

Citibank generally takes some hours to system your loan application and determine whether or not it's far accepted or rejected. However, there might be conditions wherein the bank can also additionally require greater records earlier than the application is processed and that can take multiple operating days.

➤ Reviews

09 Jun 2021
I got a call from from CITI Bank after 1 week for a personal loan process. The loan amount became nominal with tenure length of 4 years. The interest rate is excessive, it might be much less than 15% that's quality in order that have closed the loan process from my end.
09 Nov 2021
I actually have taken personal loan via immediately via Citi Bank due to the fact interest rate and the processing rate became nominal. with none put off were given this loan and it became taken for my personal use. Am paying the top class on EMI foundation with none put off.
09 Jun 2021
I actually have implemented a personal loan from CITI Bank via online. The interest rate became excessive 12.99%. Other banks are imparting much less interest rate and I’ve now no longer given any documents. Customer provider became quality.