Citibank Home Loan

Apply Citibank Home Loan @ 8.75%

Interest Rate



Processing fee

Upto 0.10


Loan Tenure upto

20 years


LTV (Loan to value)

75% to 90% of property value

About Citibank

Citibank is a consumer division of Citigroup, a financial services multinational group. It was first established in 1812 as the Citibank of New York and later as First National Citibank of New York.

The bank has a wide network of branches across the world with more than 2,649 branches. The majority of branches are spread across six major metropolitan cities of the U.S. including New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.

Apart from the operations on a global level, Citibank began its operation in India in 1902 in Kolkata and has significantly grown as an important foreign investor in the Indian Financial Market. Citibank in India serves a full spectrum of clients including India's top global corporations, small and medium enterprises and individuals.

Why apply for a Citibank Home Loan

You can avail Citibank Home Loan for the following purpose:

  • Purchase a house
  • Home renovation
  • Home extension

Home Loan Features & Benefits

  • Low-interest rates: Citibank offers a home loan at low rate of interest starting at 8.50%.

  • Loan Amount: The loan amount ranges from 10 Lakhs to 10 Crores.

  • Flexible Loan Tenure: The borrower can take a home loan for a flexible loan tenure of up to 25 years.

  • Loan to Value (LTV): The borrower can obtain 80% of the property value as a home loan.

  • Other benefits: Citibank facilitates the payment of interest during the construction period. The other benefit of availing a home loan from Citibank is the calculation of interest on the daily reducing balance.

  • Purpose of a Home Loan from Citibank: A Home Loan from Citibank can be availed for the purchase of under construction property.

Home Loan

Citibank Home Loan Fees & Charges

  • Foreclosure Charges - Nil
  • Processing Fee -Varies between 11, 500/- to 0.25% of loan amount with applicable service tax depending on the category of the customer (salaried or self-employed).

Citibank Home Loan Eligibility Criteria

Eligibility Criteria



  • Salaried Employee: Min 23 years at the time of applying

  • Self-employed Professionals and Businessmen: 23 years at the time of applying for a loan

Type of Employment and Income Proof

  • Salaried Employee: Working either in a government organisation or reputed private organisation

  • Salary slips of latest 3 months
  • Form 16 of last 1 year

Job Stability

  • Salaried Employee: Relevant working experience of at least 2 years

  • Self-employed- Applicant should be in the same profession for at least 3 years and business should be registered under GST.

Credit Score

750 and above

Documents Required for Citibank Home Loan

For Salaried Employee For Self-Employed
  • Duly filled loan application form
  • Duly filled loan application form
  • 2 Passport size photographs
  • 2 Passport size photographs
  • ITR of last 2 years
  • ITR of last 3 years
  • Identity Proof (Passport/ Driving Licence/ Voter ID/ PAN Card)

  • Identity Proof (Passport/ Driving Licence/ Voter ID/ PAN Card)

  • Residential Address Proof (Leave and License/ Registered Rent Agreement/ up to 3 months old Utility Bill/ Passport)

  • Residential Address Proof (Leave and License/ Registered Rent Agreement/ up to 3 months old Utility Bill, Passport)

  • Income Documents (6 months payslip, 2 years Form 16, 6 months bank statement showing salary credit and any EMI

  • Business proof (Incorporation details for companies, business address proof, profit & loss account and balance sheets certified by CA, partnership deed and proof of business existence and business profile)



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