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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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HDFC Bank
Max Loan Amt.Upto ₹75L
Rate of Interest10.75% - 28%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
ICICI Bank
Max Loan Amt.Upto ₹50L
Rate of Interest13.25% 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Axis Bank
Max Loan Amt.Upto ₹75L
Rate of Interest15% - 19.25%
Tenure uptoUpto 5 Years
Processing FeeUpto 2%
Why Choose Paisabazaar?
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Choose from 20+ Partner Banks/NBFCs

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Pick from Secured & Unsecured Options

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Get Working Capital & Top-Up Loan Solutions

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Flexible Tenure of Up to 4 years

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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

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

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.

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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All Your Needs

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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

How Can I Apply for a Business Loan Online?

Step 1: Enter your mobile number in the application form.

Step 2: Enter OTP to verify your mobile number.

Step 3: Provide your personal details.

Step 4: Select a bank account for account aggregator consent.

Step 5: Compare offers and apply for the best-suited loan.

Apply Now

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What our customers say

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.

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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.

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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.

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Mohit DasJan 15, 2026

Uncle ne bataya tha Paisabazaar ke baare mai

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.

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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.

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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.

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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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Prakash MishraJan 4, 2026

Trusting platform

I take business loan from Paisabazaar two months before. very nice experience. No jhamela, only good work done. Thank you

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Priya ShawDec 30, 2025

Chote business ke liye bhi loan mila

Chote businesses ko loan milne mai dikkat hoti hai lekin yaha mil gaya. Thank you for helping small business also. Good job keep it up.

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Rupesh SharmaDec 29, 2025

Quick and easy steps

Business loan apply karne se pehle yeh sochke dar lagta tha ki bohot mehnat lagegi. Lekin mai toh surprise hi hogayi Paisabazaar ka simple or easy steps dekh ke. Itna smooth process tha ki bikul hi samjh nhi aaya kab loan approve hua or kab account mai paise agaye.

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Ishita SinghDec 28, 2025
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