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Citibank Personal Loan Eligibility Calculator India Sep 2017

Last Updated 14th Sep 2017

Citibank Personal Loan Eligibility

Eligibility Conditions Salaried Self Employed
Citibank Rate of Interest 10.99% - 16.49% 15.99% - 18.99%
Lowest EMI Per Lakh Rs. 2,174 Rs. 2,431
Age 23 - 60 years 23 years - 65 years
Maximum Loan Amount Rs. 3,000,000 Rs. 3,000,000
Minimum Work Experience 36 months 36 months
Maximum Tenure 60 months 60 months
Personal Loan Eligibility Calculator

Eligibility based on Age

  • Age: There is an age criteria for the approval of personal loan. The minimum age requirement for availing personal loan is 23 years and maximum is 60 years. Citibank offers personal loans for a maximum period of 60 months.

Eligibility based on Income

  • Net Income: Your net income required to avail personal loan is Rs. 25,000 per month. Your eligibility is majorly determined by your income (Net take home salary).Your capability of paying EMI’s is judged on the basis of income earned. As your loan EMI’s are not affecting your living standards.
  • Job stability and profession: Job stability is important to improve your status and eligibility for personal loan from Citibank. As job experience of minimum 36 months is must and applicant should be employed for at least 12 month in current job.
  • CIBIL Score for personal loan: Bank will check your past and current repayment history on loans and credit card. So, the required CIBIL Score is 700 & above.

Frequently Asked Questions

What are the eligibility criteria to avail Citibank loan?

The minimum age of the applicant required to get personal loan from Citibank is 23 years. The maximum age for salaried employees can go up to 60 years.

What should be the minimum net monthly income of the customer to get Citibank personal loan?

The minimum income for salaried employee should be Rs. 25,000 per month.

How much work experience is required for personal loan from Citibank?

The applicant must have at least work experience of 12 months in order to avail the benefit of Citibank personal loan.

What is the maximum loan amount an applicant can get?

The maximum loan amount an applicant can get under personal loan from Citibank is up to Rs. 3,000,000.

Will CIBIL Score affect my personal loan from Citibank?

Yes, CIBIL Score does have an impact on your personal loan. A good score indicates good repayment record and hence most banks avoid giving loans if you have low credit score.

Citibank Personal Loan Eligibility Calculator
Lowest EMI
Personal Loan Eligibility
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