Citibank Personal Loan Customer Care

What is the Citibank Personal Loan Customer Care Number?

Citibank has a centralised number that the customers can call to raise their queries or concerns or to report any complaints or issues regarding any matters of their daily banking. The customer care number of the bank is 1860 210 2484(local call charges are applicable). This service is available on all days (Monday to Saturday) except on National Holidays between 9 am to 7 pm. The customers outside India can contact the customer care service by calling +91 22 4955 2484. The customers can also use the IVRS facility i.e. Interactive Voice Response to resolve their general queries from a comprehensive list of FAQs that have been designed taking customer feedbacks.

Customers can also email their queries or complaints to the Head Customer care from their registered email ids at head[dot]customercare[at]citi[dot]com and also get a personal response from the customer care executives to their queries by logging in through a secured channel at the bank’s official website.

The bank has emergency helpline number for raising a complaint or for blocking the card of the user. Customers can call on 1800 267 2425 (toll free) or +91 22 49552425

The bank also has virtual assistance for the customers by way of introducing Citi Help to get all the necessary general information regarding any aspect of the bank or resolves routine queries track credit card applications, pay utility bills, update KYC, etc.

Details of Citibank Personal Loan

Citibank offers immediate personal loans at fixed rate of interest to eligible customers in as quickly as 48 hours of the application. The process of getting a Citibank personal loan is one of the simplest and quickest in the market and the maximum amount of loan that can be disbursed is also high. The customers can simply send an SMS PL to 52484 or request a call back from the customer care service of the bank by making an online request on the bank’s website. The details of the personal loan offered by the bank are mentioned hereunder.

• Citibank personal loans can be availed for any genuine personal needs of the customer (like medical emergencies, wedding, renovation of the home, etc.) except for any speculative or unlawful activities or for the purchase of gold in any form.
• Citibank can sanction the personal loans  within 48 hours of the application provided all the required documents have been duly submitted and the applicant is eligible as per the bank’s guidelines/policies in place in this regard.
• The minimum and maximum amount of loan that can be disbursed under this scheme is Rs. 50,000 and Rs. 30,00,000 respectively while the duration / tenure of loans is between 12 months to 60 months.
• The rate of interest ranges from 10.50% to 20% approximately and is fixed throughout the tenure of the loan enabling fixed EMIs. Also customers can check the proposed EMIs by calculating the same through EMI calculator available on the bank’s website which helps them select better repayment options.
• Citibank require minimum documentation and also has the facility to get additional funds upon request.
• Customers can also pre-pay their personal loan in part or full prior to the completion of the tenure of the loan (depending on certain conditions laid down by the bank in this regard) by paying a certain charge applicable as per the policy of the bank.
• Details of eligibility and the maximum loan amount that can be disbursed in case of the salaried and non-salaried customers as well as the rate of interest applicable thereof can be viewed at the bank’s official website. Alternatively, they can also contact the customer care service to get the required information in this regard.

Grievance Redressal

Citibank has five levels of escalation that the customers can use to report any issues or seek redressal of their complaints or grievances.

Level 1 – 

This is the primary level where the complaint is first raised. Customers can use various channels at this stage like,

• Toll free numbers available 24x7
• Online help desk (Ask me)
• Email
• Through a Letter of Submission to the Citibank Online Inbox, contacting the Bank’s Branch, contacting through social media

Customers can expect a response to their queries within 4 working days from the date of receipt of such complaint or query.

Level 2 –

This is the second level of escalation available to the customers. The customers can take their complaints or queries to the Head-Customer Care through the required Web form if the response at the primary level is unsatisfactory or if the response is not received in due time. A response within 2 working days is to be received by the customers at this stage.

Level 3 –

In the event that the customers do not receive a response within 2 working days from the Head-Customer Care or if the response received is not satisfactory then they can further escalate their complaints or queries to the Principal Nodal Officer.

The following are the channels available for the same.

• Principal Nodal Officer, No.2, Club House Road,  Chennai – 600 002
• Email – principal[dot]nodal[dot]officer[at]Citibank[dot]com
• Call on following numbers - 1800 266 2400 (toll free for India)/022 4955 2400 (available between 10.00 am to 6.00 pm from Monday to Saturday except on National Holidays)

Level 4 – 

If the complaint remains unresolved or the response received by the customer is unsatisfactory the customer can take his/her complaint to the Senior Management of Citibank. The customer should expect a response within 2 working days.

Level 5 – 

This is the highest level of escalation available to the customers. They can contact the Banking Ombudsman appointed by the RBI in the event that the complaint remains unresolved within a month from the date when the complaint was raised or the response received from the bank is unsatisfactory.

About Citibank

Citibank was founded in 1812 as the City Bank of New York and later opened its overseas offices in many cities like London and Shanghai (1901), Buenos Aires (1914) and in Calcutta (1902) and many more. It has a customer base of approximately 2.5 million across India.

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