Citibank

Citibank

Overview

City Bank has brought an unmatched personal loan program which allows you to avail up to Rs. 25 lakhs* in just 48 hours^. The Personal Loan that is fast, easy & affordable. Limited period offer*. Pay in 24 EMIs at just 13% p.a. with no processing fee & pre-payment charges.

Loan Feature

Loan Amount Up to 25 Lacs
Interest Rate 14.25% to 19% Booking fee is charged up to 2.5%
Tenure 12 to 60 Months
Pre Payment Charges No pre-payment is allowed for six months post booking;Pre-closure charges are levied at the rate of 3% on total principal outstanding.
Service Charges

Upto 2.5% of the loan amount sanctioned. The fee is deducted from the loan amount at the time of disbursal.

Eligibility Criteria : Personal Loan

  Salaried Self
Age 21 - 60 Years ;Salaried Doctor: 23 - 60 Years 25-65 Years
Income Minimum Annual Income: Rs.2,40,000/- Self-Employed Doctors:Rs. 60,000p.a ;CA/ICWA :Rs. 85,000 p.a;Self-Employed Engineers: Rs. 1,56,000 p.a;Other Self Employed :Rs. 1,20,000p.a
Job Experience Permanent / Confirmed employee Self-Employed Doctors:IT Assessee for at least last two years;Self-employed CA/ICWA & Engineers: Minimum three years of self-employment
Residence Proof Information Not Available Information Not Available

Docs Required : Personal Loan

  Salaried Self
ID Proof Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Person of Indian Origin Card/Valid Identity card*/Overseas Citizen of India Card Photograph is mandatory/Passport/Voters Card/Driving License/PAN Card/Person of Indian Origin Card/Valid Identity card*/Overseas Citizen of India Card/Trade Licence with Photograph/Professional License with photograph
Address Proof Ration card/ Telephone or Electricity Bill/ Rental agreement / Passport copy/Lease Deed/Voter ID/Bank Statement/Driving License Passport/ Electricity Bill/Landline Telephone Bill/ Voter Card/ Ration Card/ Lease Agreement/ Property Registration Agreement/ Letter from Company (this must be in original)/Latest IT Return Acknowledgement/Acknowledged Copy of Advance Tax/Income Tax Receipt/ Driving Licence/ Bank statement
DOB Proof Birth Certificate or 10th Class Passing Certificate Birth Certificate or 10th Class Passing Certificate
Financial Docs
  • Last 2 months Salary Slip not more than 90 days old or latest Form 16
  • Bank A/c statement for the last 3 months
  • Length of Employment /Continuity of Business, Signature proof


  • IT Returns for last 2 years and a supplementary documents
  • Computation of Income Schedule
  • P&L Account
  • Balance Sheet
  • Audit Report
  • Above accounts to be certified by CA
  • Last 6 months bank statement

 

Other Charges : Personal Loan

Statement copy: Rs. 500

Late Payment Charges: All EMIs will be presented on the 1st of every month. Any delay in the payment of an EMI shall entail an additional interest of 2% p.a. above the prevalent rate upon the outstanding Balance of the Loan.

Cheque/ECS Bounce Charges: Cheque/ ECS/ SI Bounces will be charged at the rate of Rs. 250

Products offered by Citibank

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I have alredy got one house loan deal though Loanboss.com. After my pleasant experience with the site, I have also suggested my relatives and friends to apply for any loan in future through this website only. I love the way you give details of every information that a person needs before going for a loan.

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Amardeep

 

- Amardeep

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