CITI Bank Personal Loan
| Bank Link | http://www.online.citibank.co.in/portal/newgen/seo/loans/personalloan/personal-loans.htm |
| 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.
Other Charges
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
| Self | |
|---|---|
| Minimum Age (in yrs.) | 25-65 Years |
| Minimum Income (in Rs.) | 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 |
| Minimum Work Experience (yrs.) | Self-Employed Doctors:IT Assessee for at least last two years;Self-employed CA/ICWA & Engineers: Minimum three years of self-employment |
| Residence Status (yrs.) | Information Not Available |
| Id Proof | 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 | 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 |
| Salaried | |
|---|---|
| Minimum Age (in yrs.) | 21 - 60 Years ;Salaried Doctor: 23 - 60 Years |
| Minimum Income (in Rs.) | Minimum Annual Income: Rs.2,40,000/- |
| Minimum Work Experience (yrs.) | Permanent / Confirmed employee |
| Residence Status (yrs.) | Information Not Available |
| Id Proof | Passport Copy/ Voters ID card/ Driving Licence/PAN Card/Person of Indian Origin Card/Valid Identity card*/Overseas Citizen of India Card |
| Address Proof | Ration card/ Telephone or Electricity Bill/ Rental agreement / Passport copy/Lease Deed/Voter ID/Bank Statement/Driving License |
| DOB Proof | Birth Certificate or 10th Class Passing Certificate |
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