Simply take cost of your money with Citibank unsecured loans & get funds quickly and conveniently. Reap the benefits of minimal paperwork and fast loan approval & take full advantage of our fast and simple unsecured loans. In the end, if you can’t have it when you need it whether it is a wedding you wish to finance, or pay an emergency medical bill, what is the value of a personal loan. Avail an individual loan with appealing rates of interest, versatile tenures and EMIs to enable you to fulfil your requirements without compromising your savings and budget that is current.
Avail a Citibank loan that is personal and enjoy unmatched advantages such as for instance
1 corporates —
- Avail loan that is personal as much as Rs. 30,00,000*
- Loan funds credited to your money in 48 hours^
- Get the personal bank loan eligibility in simply 4 hours
- Fixed rate of interest for predictable payments that are monthly
- Part pre-payment option available ##
- Balance consolidation for the bank card and unsecured loan outstanding #
Click on to enhance as well as on to reduce the facts.
Up to Rs. 30,00,000* for the needs
You need to use the funds to cover medical costs, to renovate your house, journey, fund a marriage within the family members, supercede your home entertainment system, or other things you’ve constantly wished to do but had been held right right back by not enough funds. It’s your option. With loan amounts as much as Rs. 30,00,000 and fixed payments that are monthly there is a whole lot you could do with a Citibank unsecured loan.
*Please remember that exceptions into the utilization of Citibank personal bank loan include antisocial, illegal, or speculative activities, and get of silver in virtually any form, including silver bullions, coins, gold precious precious jewelry, gold exchange traded funds, or gold mutual funds. After that, you might be liberated to make use of the funds for whatever you desire to.
Get the funds in only 48 hours^
Your Citibank personal bank loan funds can be accessible to you personally within 48 hours (or 2 trading days) when you distribute the necessary documents required by us.
^Although we try and expedite the mortgage disbursement procedure consequently they are effective in almost all the situations, there might be occasions whenever we require more info before we could finish the job.
Flexible payment choices which range from 12-60 months
You are able to decide to pay EMIs that are large close your loan faster or choose to pay smaller EMIs and close the loan over a longer time period. You should use this freedom of preference to longterm payday loans texas calculate an EMI quantity that actually works most readily useful in your monthly budget.
Fixed interest for greater control of monthly obligations
Citibank unsecured loan is sold with a hard and fast interest rate this means your EMIs will continue to be the exact same through the complete tenure of the loan. This is certainly, regardless of the quantity you borrow or perhaps the full time you determine to repay it, you will see no shocks at the beginning of the month – very first EMI to your final EMI, the quantity you spend will stay the exact same throughout.
Just how to take that loan without taxing your month-to-month spending plan?
Your regular loan that is personal re re re payments should ideally perhaps maybe perhaps not stress your month-to-month spending plan or curb your life style alternatives. Utilize our personal bank loan EMI Calculator to get down an EMI quantity you are able to spend with simplicity. Take to various tenures and loan quantities to see the countless choices you can pick from. Refer the chart below when it comes to rates of interest that could connect with you.
Make an educated choice with the Citibank unsecured loan EMI Calculator
Get additional funds in virtually no time
You get access to additional funds from Citibank if you are a current Citibank Personal Loan customer, discover how easily. Click on here. On getting your intent for additional funds, our representatives will phone you straight away with all the current support you may need in understanding and trying to get the more money you require.
Minimal paperwork for Citibank Clients
Us an online application or talking to CitiPhone officer if you are Citibank Suvidha customer, getting a Citibank Personal Loan is as easy as logging in to your Citibank Online account and sending. Take pleasure in the privileges of simple personal bank loan documents and quick track application processing. Apply now and know more.
Complete and part-prepayment choices
For loans scheduled on or after October 1, 2015, you’ll shut your loan account in complete; you could do therefore any moment following the very first a year as your loan scheduling. For loans scheduled just before October 1, 2015, you can easily shut your loan account in full anytime following the very first 6 months of one’s loan scheduling.
Partial pre-payments could be made post the initial one year of the loan booking. To help make prepayments in complete or component, you ought to phone our 24×7 CitiPhone helpline.
Observe that pre-payments attract charges that are certain and therefore are led by relevant conditions and terms. To learn more, please refer the section that is FAQs.
Balance consol You may take benefit of the very tenure that is flexible appealing interest levels available on Citibank unsecured loan to streamline and better handle your charge card and personal bank loan outstanding. Transfer them to just one Citibank personal bank loan account and manage your cash flow that is monthly better. To understand more and use, view here. Our representatives is supposed to be in touch with you instantly that will help you avail some great benefits of a Citibank unsecured loan.
Just how can we pay the mortgage Booking Fee?
The mortgage Booking Fee are going to be deducted through the loan quantity sanctioned during the time of disbursal. As an example, a Rs. 1,00,000 loan by having a thought optimum of 2.75per cent Booking Fee can be a loan that is available of Rs. 97,500.
Who are able to make an application for a Citibank unsecured loan?
Citibank unsecured loan is readily available for salaried people, self-employed professional and business people. Current Citibank clients having a Suvidha, Branch or home financing relationship can avail of Citibank personal bank loan.
The length of time am I able to decide to try repay the mortgage?
You are able to repay your loan during a period of 12 to 60 months.
The time of the time you are taking the loan over will influence how big your repayments, therefore if you’d like smaller repayments, you really need to repay your loan over an extended term. Keep in mind, the longer you are taking to settle your loan, the greater amount of interest you are going to overall be charged.
Could I pre-pay my Personal Bank Loan?
Yes. You can easily pre-pay your individual Loan. You have got two choices to produce a pre-payment – complete Pre-payment and Partial Pre-payment. You are doing the full Pre-payment by settling the entire loan outstanding in one single payment that is single. It is a Partial Pre-payment if you opt to make partial prepayment of your outstanding amount. To help make prepayments in complete or component, you’ll want to phone our 24×7 CitiPhone helpline.
Comprehensive Pre-payment of Citibank Personal Bank Loan
For loans scheduled on or after October 1, 2015, you are able to shut your loan account in complete; you can certainly do therefore any moment following the very first 12 months as your loan scheduling. For loans scheduled ahead of October 1, 2015, you are able to close your loan account in complete any moment following the first 6 months of the loan scheduling.
Partial pre-payments may be made post the initial year of one’s loan scheduling. In order to make re payments in full, you will need to phone our 24×7 CitiPhone helpline.
Partial Pre-payment of Citibank Unsecured Loan
You’ll prepay an integral part of the outstanding stability of this loan susceptible to listed here conditions:
- You have got compensated your loan EMIs for at the very least 12 months that are consecutive your loan scheduling date.
- Your prepayment quantity is the same as a the least 2 EMIs and at the most 5 EMIs.
To produce part pre-payment, you ought to phone our 24×7 CitiPhone helpline. As soon as you inform the lender of the intention to prepay, the financial institution will think about your demand and verify the last sum you meet the criteria to prepay. After making the pre-payment, you are going to need to carry on repaying the subsequent EMIs as per the payment routine provided by the financial institution. The partial pre-payment facility can be acquired when in one year.
When do i need to pay Late Payment Charges?
The deadline for the payment of EMIs will probably be 7th of each and every month, following month of Loan disbursement. Re re Payment guidelines will be presented from first of each and every month. We but dont fee any belated payment costs just in case the re payment is delayed.