Citibank Business Loan

Business loans offered by Citibank are termed as ‘CitiBusiness’ Loan to meet the working capital requirements of entrepreneurs and MSMEs. Citibank offers a range of both secured and unsecured business loans that include working capital loans, MSME loans, short-medium- and long-term loans, overdrafts, and import and export finance. The business loan interest rate offered by Citibank depends on the applicant’s profile and business requirements.

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Citibank Business Loan Interest Rate

Interest Rate	As per business requirements
Loan Amount	As per bank’s discretion and applicant’s profile
Processing Fees	Up to 2% of the sanctioned loan amount
Renewal Fees	Up to 2% of the line amount (charged annually)
Pre-closure Charges	Up to 2% of the outstanding amount
Penal Interest Rate	4% above existing interest rate on the outstanding amount for defaulted period
Collateral	Property, Stock and Book debts
Loan-to-Value (LTV) Ratio	Maximum 80% for property backed lines

Note: The mentioned interest rates, fees and charges are subject to change and depends on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges.

Types of Business Loans offered by Citibank

Working Capital Management

Competitive London Interbank Offered Rate (LIBOR) helps in expanding business globally
Short-term loans available in Indian and foreign currency
Dropline overdraft feature available with a combination of Term loan and Overdraft
Cash credit loan available at competitive interest rates

Capital Expenditure

Term loans offered in foreign currency at attractive rates
Loan amount to be used for the construction of warehouse, factory premises, branches, etc.
Loans under Capital expenditure can also be used for the purchase of fixed assets
Loans against property is also available with stock and book debts as collateral
Loan-to-value (LTV) ratio is maximum up to 80% for property backed lines

Export Finance

Letter of Export of credit advising
Letter related to credit discounting and credit confirmation
In competitive LIBOR denominated rates, Pre- and post-shipment credit in local currency

Import Finance

Letter of credit
Import financing at LIBOR denominated rates
Guarantees on financials, performance and advance

Citibank Commercial Vehicle Loan and Construction Equipment Finance

(Commercial Vehicle / Construction Equipment Finance) Interest Rate - 2022
Customer Grade	New Asset (p.a.)	Used Asset/Top up/Refinance
A & B Grade	9.00% - 11.00%	11.50% - 15.00%
C Grade/MO	9.50% - 11.50%	12.00% - 16.00%
SMTO/SO	10.00% - 12.00%	13.00% - 17.00%
FTU/FTB	10.50% - 12.50%	14.00% - 18.00%

Note: The mentioned interest rates are subject to change and depends on the sole discretion of the bank and RBI. GST and service tax shall be levied extra on the mentioned charges and are effective from 1 May 2022.

Below is the categorization of the customer’s grades based on number of vehicles and asset ownership:

Customer Grade	Transportation - Vehicles	Construction - Asset
A & B	More than or equal to 12	More than Rs. 100 lakh of present replacement value of asset ownership
C Grade/MO	More than 6 and less than 12	More than Rs. 50 lakh of present replacement value of asset ownership
SMTO/SO	More than 1 and less than 6	More than Rs. 11.50 lakh of current replacement value of asset ownership
FTU/FTB	No ownership of vehicles	No Asset Ownership

Customer’s final grade depends on the following parameters:

Customer’s financials and industry experience
Date of assets being provided as collateral
Feedback and market reputation from references
Free to finance ratio of owned equipment or vehicles
Guarantor profile
Repayment history
Skills to arrange underlying vehicle/equipment
Transaction costs

Citibank Overdraft Facility (Stock Power)

Particulars	Fees and Charges
Interest Rate	10.75% – 13.25% p.a.
Overdraft Amount	Min. Rs. 1 lakh & Max. Rs. 20 lakh
Margin required	50-70%
Out of Pocket Expenses (OPE)	Upto 1.0% of the line amount
Scrips Withdrawal Charges	Up to 2 scrips – Rs. 100 per scrip, For 3 or more scrips – Rs. 250 flat
Penal Interest	2% p.a. above the applicable interest rate

The overdraft limit is offered, as per the value of securities that are in favor of bank and should fulfil margin criteria.

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Citibank Customer Care Number

For Loans, Credit Cards, Citibanking & Suvidha Account – Call on 1860 210 2484 (Local call charges apply)

For Citi Priority and Business – Call on +91 22 4955 2484, if calling from outside of India

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What our customers say

Convenient Business Loan

Running a small manufacturing unit means constantly managing working capital. I always check my CIBIL score on Paisabazaar app. I have taken the business loan twice from Paisabazaar, have already paid once and am going to close the second loan soon. Very convenient for me and transparent as well.

Param SinghAug 7, 2026

Easy Credit Score Tracking

As a small business owner, I know that maintaining a healthy credit profile is important before applying for a business loan. This Paisabazaar app helped me stay updated with my credit score and get the business loan at just 13%. All in all a very useful app for entrepreneurs as well.

Manoj KumarAug 3, 2026

Business loan complex hotta h

Business loan thoda complex lagta h muhje, lekin Paisabazaar pe team ne sab steps simple bana diya muhje ache se support kiya. Thank you.

Meher SinghJan 22, 2026

Hassle-free Business Loan

I would like to take a moment to sincerely appreciate Rohit Kumar\'s (EW25946) continuous support and clear communication. Your timely responses, cooperation, and willingness to help have made a significant difference and contributed greatly to smooth coordination and successful outcomes. Your professionalism and positive approach are truly commendable, and it has been a pleasure working with you. Thank you for your dedication and for maintaining such effective communication throughout.

MD Gausar AlamJan 20, 2026

Business loan liya tha, interest acha mila

Muhje darr tha ki interest rate kahi lenders jda na charge krle, phir paisabazaar pe sahi interest rate milla. Mera credit profile dekh ke or bhi bht saare factors consider karke interest rate milla.

Mohit DasJan 15, 2026

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Mai online loans ke baare mai jada nhi janta, mere chacha ne bataya tha ki Paisabazaar se loan acha milta hai. Try kiya or asli mai bohot acha experience tha.

Raju RastogiJan 14, 2026

Boutique ke liye small loan liya tha

Boutique ke liye small loan liya tha. Small entrepreneurs ke liye bht important hota hai sahi jagah se loan lena. Paiabazaar ki team bohot helpful hai.

Vanni KumariJan 13, 2026

Loan approval ke chances dikhate h

Paisabazaar se business loan lo toh pata rehta h ki kaha loan approval ke chances jada hai. Isse thoda tension kam jata h rejection ka. Acha feature hai.

Sobhit GuptaJan 5, 2026

Advisors bohot ache the

Business loan thoda confusing hota h. Advisors ne sahi guide kiya. Thanks you.

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Trusting platform

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Citibank Business Loan

Citibank Business Loan Interest Rate

Types of Business Loans offered by Citibank

Citibank Commercial Vehicle Loan and Construction Equipment Finance

Citibank Overdraft Facility (Stock Power)

Citibank Customer Care Number

Business Loan Articles

What our customers say

Talk to Expert

Talk to Expert

Citibank Business Loan

Citibank Business Loan Interest Rate

Types of Business Loans offered by Citibank

Citibank Commercial Vehicle Loan and Construction Equipment Finance

Citibank Overdraft Facility (Stock Power)

Citibank Customer Care Number

Business Loan Articles

What our customers say

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