Citi Customer Service One Stop Customer Services Solutions from Citi. Features. Citi Personal Loan is a quick and easy way for you to access extra cash when you need it. You can get the funds you require and are eligible for as an unsecured loan availed on fixed terms, with each repayment going towards repaying both the interest and the principal. Citi Personal Loan features a simple pricing structure that supports our belief in easy to understand banking. The amount of money you can borrow depends on your income and other financial commitments. Citi Personal Loans offer a minimum amount of Rs. Rs. 3. 0,0. 0,0. 00. You can use a personal loan for any purpose such as home improvement, planning your dream wedding or to tidy up your finances with a balance consolidation loan. However, as per RBI regulations, you are legally bound not to utilize the Loan for any antisocial, unlawful, or speculative purposes. Nor should you use the loan funds for purchase of gold in any form, including gold bullions, gold coins, gold jewelry, gold exchange traded funds, and gold mutual funds. This is applicable to all personal loans. You get the money within 4. The amount will be electronically transferred to your bank account or in a form of a DD as per the details provided to us. In case of Balance transfer loan, the amount will be transferred in a form of a Demand Draft. T C apply. Application Related. Citi Personal Loans are currently available for salaried individuals, self employed professionals and business owners. Adobe Acrobat Invalid Serial Number Error Answer' title='Adobe Acrobat Invalid Serial Number Error Answer' />Citibank India provides automated service for your general product and service related queries. In case of further clarifications, you can refer to our FAQ section. Nicole. jess did you purchase your software from Adobe. We do employ activation technology but that would not cause you to receive an invalid serial number message. Existing Citibank customers with a Suvidha, Branch or a Mortgage relationship can also avail a Citi Personal Loan. It is easy to apply for a Citi Personal Loan in just 3 steps. Select Personal Loan under Loans tab. Click on Know more and Apply or Click 4 Call Our officer will contact you within 2 working days. If you hold a Savings account, you can also apply for the same by logging into your Citibank online account. A Credit Information Company CIC is an independent organization licensed by the Reserve Bank of India RBI that signs up banks, NBFCs and financial institutions as its members. Microsoft Office 2003 Lite Ita Portable Cd. It then aggregates data and identity information of individual consumers and businesses from its members. All banks and financial institutions are required to share information like current balance, payment history, demographic details etc, pertaining to all accounts held by a customer who has a loan, credit card or ready credit account with the Credit Information Companies. Credit reporting is very important in todays financial system and is considered a primary factor while evaluating the credit worthiness of customers and monitoring the credit circumstances of consumers and businesses. This information enables lenders to function more efficiently and at a lower cost than is otherwise possible. Citi may tie up with credit bureaus authorized by the RBI and will share credit information including but not limited to your current balance, payment history etc along with your demographic details with these credit bureaus on a monthly basis, as per the Credit Information Companies Regulation Act, 2. The credit history repayment behavior of a customer is translated into a number called credit score developed by the Credit Information Companies. Credit score is one of the parameters used to review a credit card application. Credit information companies only provide factual credit information and do not provide any opinion, indication or comment pertaining to whether credit should or should not be granted. It is in your best interest to maintain a good credit history by paying the necessary dues in a timely manner. With credit information companies in place, responsible customers can expect faster and more competitive services at better terms from the credit grantors. Default by customers would be available with the credit information companies, which in turn could impact your credit worthiness for future requirements. Disbursement related. The personal loan amount will be disbursed in 4. The amount will be disbursed through any of the following Direct credit to your existing Citibank savings account orNEFT transfer to your savings account held with other bank orDemand draft will be dispatched to your mailing address. The loan amount disbursed will be post deducting the following from the sanctioned amount. Booking feeProcessing fee Upfront fee payable by you towards expenses incurred by the bank over the tenure of the loanStamp duty Charged for the loan agreement as per State lawInterest due Interest due for the number of days between the loan booking date and the last day of the same month will be deducted upfront from the loan amount disbursed. In case of a top up loan, the following will be deducted from the sanctioned amount Principal outstanding The Principal outstanding on the existing loan. Interest outstanding Interest applicable from the last EMI received date till closure of old loan. Booking feeProcessing fee Upfront fee payable by you towards expenses incurred by the bank over the tenure of the loan. Stamp duty Charged for the loan agreement as per State law. Interest due Interest due for the number of days between the loan booking date and the last day of the same month will be deducted upfront from the loan amount disbursed. Please click here to view the detailed Schedule of charges. Interest ratecharges. Processing fee is a non refundable upfront fee payable by you towards expenses incurred by the bank over the tenure of the loan and is as per the Terms and Conditions of your agreement with us. This amount is deducted from the loan amount disbursed to you. Stamp Duty to be charged for the loan agreement, as per state law. Please click here to view the Schedule of charges. Interest is calculated on the unpaid daily balance of your loan and is charged to the loan on a monthly basis. The interest rate applied each day is equal to your annual interest rate at the time, divided by 3. Interest Loan outstanding x Interest rate x Number of days in a month 3. All EMIs would be presented on the 1st of every month. If the EMI payment is returned or it bounces, the same will be re presented between the 8th 1. Currently, we do not levy any charge for bouncereturndelay in payment. However, please check with your banker for the charges levied by them in your bank account. Please be informed that the payment pattern of your loan account will be reported to Credit Information Company, every month. To know more about Credit Information Company, please click here. EMI Payment related. You can make your EMI payment through Automated Clearing system NACH or Standing Instruction SI. To maintain NACH from your savings account held with other bank Please send the below documents to our Mail room. The same will be maintained in our records subject to validity of the documents. NACH forms a cancelled cheque. Please visit the below link to download the NACH forms. To maintain an SI from your savings account held with Citibank, please send the filled in SI instruction to our Mail room. The same will be maintained in our records subject to validity. Mail room address Citibank N. A. Mail Room. ACROPOLIS, 9th Floor,New Door No. Old No. 6. 8Dr. Radhakrishnan Salai. Mylapore. Chennai 6. Please visit the below link to download the SI forms. Please fill the NACH form with the below details, as applicable for your loan account.