Citibank Kolkata

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About Citibank

In the last 25 years, Citibank has been leading the banking sector due to its innovative ideas. In 2016, the bank launched instant loan on card, instant insurance, and express decisioning for personal loans. For the first fiscal year ended March 31, 2016, Citibank India has reported a Profit After Tax of ₹3,233 Crores. Citibank is an employer of choice in India and continues to serve the best deals to its clients. No doubt, the bank offers loan of all kinds- Home Loan, Loan Against Property, Personal Loan, CitiBusiness Loan, Commercial Vehicle Loan at an attractive rate of interest.

Citi India also endeavours to support the nation’s priorities in the areas of education, financial inclusion, youth skilling, empowerment, basis nutrition and preventive health care, art and culture and environment sustainability. Having said that, in 2014, the bank launched the India Innovation Grant Program to encourage non-governmental organization (NGOs) to develop innovative programs that are scalable and replicable. The focus of this Foundation was solely in the space of Financial Inclusion. The program extended in 2015 to encompass Youth Skilling, based on the Indian Government’s priorities. Last year, in 2016, the program shifted its focus on Youth Skilling and Livelihoods.

Branch Addresses of Citibank in Kolkata

Branch NameComplete AddressIFSCMICRContact Number
Chowringhee Road Kanak Building, 41, Chowringhee Road, Kolkata- 700071CITI0000001700037002022-40005706/022-40005922/022-28446390 /022-40015618
Brabroad (Kolkata) Citibank NA 9, Brabourne Road, Ground Floor, Kolkata-700001CITI0000028700037002022-40005706/022-40005922/022-28446390 /022-40015618

Products Offered by Citibank in Kolkata

Citibank offers a wide range of products from a home loan, personal loans, loan against property, business loan, commercial vehicle loan, and investment products like fixed deposit.

Basic Details of Citibank Products

ProductEligibilityAmount Interest RateProcessing FeeTenure
Home Loan At least 23 years of age
Minimum work experience of 2 years
Up to ₹10 Crores9.00% - 9.85%Up to 0.40% of the loan amount25 years
Personal Loan Salaried individuals
Self-employed professional and business owners
Existing Citibank customers with a Suvidha, Branch or a Mortgage relationship can avail of Citibank Personal Loan
Up to ₹30 lakhs

10.99% - 18.99%

Up to 2.5% of the loan amount sanctioned5 years
Commercial Vehicle LoanUp to ₹1 Crores[citibank_cl_ir_sc][/citibank_cl_ir_sc]Up to 3% of the loan amount4 years
Business Loan Up to 80% of the value of the collateral Up to 2% of the loan amount sanctioned 6 months
Loan Against PropertyIndividual of at least 23 years of age
Salaried individual of maximum 60 years of age
Self-employed individuals of maximum 65 years of age
Salaried individuals with at least 3 years of working experience
Self-employed individuals with at least 2 years of cash profit
Up to ₹5 Crores9.50% p.a.Up to 0.75% of the loan amount15 years
Fixed DepositValid identity proof
Valid address proof
A permanent address
A telephone number
₹15 lakhs and above3.00% - 7.74% NA5 years and above

Documents Required

ProductsDocuments
For SalariedFor Self-employedFor Expat
Home LoanSigned application form with photograph
ID and residence proof
Approved Building Plan
Last 3 months bank statements
Last 3 months salary-slips
Form 16 or Income Tax Returns
Signed application form with photograph
ID and residence proof
Approved Building Plan
Last 3 months bank statements
Last 2 years Income Tax Returns
Last 2 years CA Certified Profit & Loss Account
NA
Personal Loan Proof of Identity-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card
Overseas Citizen of India Card
Person of Indian Origin Card
Job card issued by NREGA1
Letters issued by the Unique Identification Authority of India

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address 3
Food Card (Ration Card)
Letter from employer
Lease Deed/ Rent agreement Copy/ Property Registration Document in the name of the Customer
Last 3 months bank account statement, signed and stamped by existing banker
Mutual Fund statements
Overseas Citizen of India Card
Person of Indian Origin Card
Latest IT Return
Original Letter from Company

Proof of Age -

Birth Certificate
School Leaving certificate
Passport

Length of Employment / Continuity of Business-

Letter from employer
Old PaySlip/For m 16
HR check by designated CPA resource

Proof of Income and Occupation-
Latest one or 2 salary slip (not more than 3 months old)
Latest Form 16
Last 3 months bank statement
Identity Proof-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card
Overseas Citizen of India Card
Person of Indian Origin Card
Professional License With Photograph
Trade License With Photograph

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address 3
Food Card (Ration Card)
Letter from employer
Lease Deed/Rent agreement Copy/ Property Registration Document in the name of the Customer
Last 3 months bank account statement, signed and stamped by existing banker
Mutual Fund statements
Overseas Citizen of India Card
Person of Indian Origin Card
Latest IT Return

Proof of Age-

Birth Certificate
School Leaving certificate
Passport

Length of Employment / Continuity of Business-

Lease Deed/Rent Receipts
Ownership Document
Utility Bills
Tax Returns from the same city
3 year old bank statement

Proof of Income and Occupation-

IT Returns for last 2 years and supplementary documents Computation of Income Schedule
P&L Account
Balance Sheet
Audit Report
Above accounts to be certified by CA
Last 6 months bank statement
Proof of Identity-

Photograph is mandatory
PAN
Valid VISA

Proof of Residence-

A letter from employer/ Certificate from Embassy of the Country of Origin or any appropriate legal authority certifying the local address in India.
Last 3 months bank account statement/ Passbook signed and stamped by existing banker. Rent agreement
Certificate of Registration issued by the FRRO

Proof of Age-

Birth Certificate
School Leaving certificate
Passport

Length of Employment / Continuity of Business-

Letter from employer
Old PaySlip/Form 16
HR check by designated CPA resource

Proof of Income and Occupation-

Latest one or 2 salary slip (not more than 3 months old)
Latest Form 16
Last 3 months bank statement
Vehicle LoanProof of Identity-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address 3
Food Card (Ration Card)
Letter from employer
Lease Deed/ Rent agreement Copy/ Property Registration Document in the name of the Customer
3 months old bank statement, signed and stamped by existing banker
Mutual Fund statements
Overseas Citizen of India Card
Person of Indian Origin Card
Latest IT Return
Original Letter from Company

Proof of Age -

Birth Certificate
School Leaving certificate
Passport
Identity Proof-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address 3
Food Card (Ration Card)
Letter from employer
Lease Deed/Rent agreement Copy/ Property Registration Document in the name of the Customer
Bank account statement printed on bank’s letterhead, not more than 3 months old, signed and stamped by existing banker
Mutual Fund statements
Overseas Citizen of India Card
Person of Indian Origin Card
Latest IT Return

Proof of Age-

Birth Certificate
School Leaving certificate
Passport
NA
Business Loan Proof of Identity-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address 3
Food Card (Ration Card)

Proof of Age -

Birth Certificate
School Leaving certificate
Passport
Identity Proof-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Utility Bill not more than 3 months old with name & address

Proof of Age-

Birth Certificate
School Leaving certificate
Passport
NA
Loan Against PropertyFilled loan application form
2 Passport size photos
Last 2 years ITR
Identity proof (Passport/Driving License/Voter ID/PAN Card)
Residential address (Leave and License/Registered Rent Agreement/Utility bill up to 3 months/Passport)
Last 6 months salary slip
Last 2 years Form 16
Last 6 months bank statement showing salary credit
Filled loan application form
2 Passport size photos
Last 2 years ITR
Identity proof (Passport/Driving License/Voter ID/PAN Card)
Residential address (Leave and License/Registered Rent Agreement/Utility bill up to 3 months/Passport)
Business proof such as VAT/service tax registration
Incorporation details in case of companies
Business address proof
Profit and loss account
Balance sheet certified by CA
Copy partnership in case of partnership business
NA
Fixed DepositProof of Identity-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card
Proof of Age-

Birth Certificate
School Leaving certificate
Passport
Voters card with DOB
Identity Proof-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Age-

Birth Certificate
School Leaving certificate
Passport
Voters card with DOB
NA
Fixed DepositAn Individual, Hindu Undivided Family, Sole Proprietorship Concern

ID Proof – Passport, PAN Card, Driving Licence, Voter ID, Government ID Card, Senior Citizen ID Card
Address Proof - Telephone Bill, Electricity Bill, ID Card Issued by Post Office, Bank Statement with Cheque
A photograph
Trusts

Copy of the Trust Deed
Copy of the registration certificate
Copy of the Resolution of the Trustees authorizing the members concerned to open and operate the account
Photographs of the members operating the account
Associations/Clubs

By-laws of the Association
Copy of the Resolution by the board authorizing the members concerned to open and operate the account
Photographs of the members operating the account

Partnership Firm
Partnership Deed
Letter from partners approving the persons concerned to open and operate the account
Photographs of the persons operating the account


Public or Private Limited Companies
Board Resolution / Authority Letter
Memorandum & Articles of Association
Certificate of Incorporation
Certificate of Commencement of Business (Public Limited Company)
Form 32 in case list of directors are not original subscribers to Memorandum & Articles of Association (in case of Private Limited Cos) Duly acknowledged by ROC
Governing Act / Rules and Regulations(PSUs) (certified true copy)

Identity Proof-

Photograph is mandatory
PAN
Valid Driver’s License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Residence-

Valid Driving License
Valid Passport
Voter’s ID card
Valid Identity card

Proof of Age-

Birth Certificate
School Leaving certificate
Passport
Voters card with DOB
NA

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