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City Union Bank Personal Loan

City Union Bank does not offer an unsecured personal loan scheme. However, City Union Bank Personal Loan applicants can avail secured personal loans in the form of instant consumer loans (to purchase consumer durables) and instant gold loans (to meet their financial needs excluding for agricultural purposes).
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Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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5.7cr+Satisfied Customers
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₹65k Cr+Loans Disbursed
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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

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Highlights of City Union Bank Personal Loan

Interest rates
  • Instant Consumer Loan: 14.35% p.a. (for loan tenures below 3 years) and 14.95% (for loan tenures above 3 years)
  • Instant Gold Loan: 9.70% p.a.
Loan amount
  • Consumer Loan: Rs 25,000 to Rs 1 lakh
  • Instant Gold Loan: Up to 75% of market value of collateral
Repayment tenure
  • Instant Consumer Loan: 3 to 5 years
  • Instant Gold Loan: Up to 1 year
Processing Fees
  • Instant Consumer Loan: 1% plus applicable taxes (minimum Rs 250)
  • Instant Gold Loan: 0.50%

City Union Bank Personal Loan Interest Rates

City Union Bank Personal Loan interest rates for loan applicants availing consumer loans and gold loan are as follows.

Particulars Rates
City Union Bank Instant Consumer Loan
  • 14.35% p.a. (for loan tenures below 3 years)
  • 14.95% (for loan tenures above 3 years)
City Union Bank Instant Gold Loan 9.70% p.a.

Note that those wishing to avail personal loan from City Union Bank can also check and compare the unsecured personal loan interest rates offered by top lenders. Being unsecured in nature, the applicants do not need to provide any security nor do the lenders create any hypothecation on the products purchased through the personal loan proceeds. The tenures of unsecured personal loans usually go up to 5 years, with some lenders offering longer tenures of 7 years. Many lenders also offer pre approved instant personal loans to their select customers with good credit profiles. Such loans are usually disbursed within a few hours of making an application, with some lenders claiming to disburse instant personal loans within few seconds or minutes of loan approval.

Fees and Charges for Availing City Union Bank Personal Loan

Interest rates
  • Instant Consumer Loan: 14.35% p.a. (for loan tenures below 3 years) and 14.95% (for loan tenures above 3 years)
  • Instant Gold Loan: 9.70% p.a.
Loan amount
  • Consumer Loan: Rs 25,000 to Rs 1 lakh
  • Instant Gold Loan: Up to 75% of market value of collateral
Repayment tenure
  • Instant Consumer Loan: 3 to 5 years
  • Instant Gold Loan: Up to 1 year
Processing Fees
  • Instant Consumer Loan: 1% plus applicable taxes (minimum Rs 250)
  • Instant Gold Loan: 0.50%

Types of City Union Bank Personal Loans

City Union Bank Instant Consumer Loans

  • Purpose: City Union Bank Consumer Loan enables loan applicants to finance their purchase of consumer durables including refrigerators, washing machines, television sets, etc.
  • Loan Amount: Rs 25,000 to Rs 1 lakh (subject to the maximum of 10 times net take home pay for salaried employees and 50% of gross annual income declared in last ITR for non-salaried employees)
  • Loan Tenure: 3 to 5 years
  • LTV ratio: Up to 90% of the total cost of goods purchased
  • Security: Hypothecation of consumer durables to be purchased out of bank finance
  • Insurance: Compulsory insurance for the consumer durables purchased along with personal life insurance equivalent to the loan amount

City Union Bank Instant Gold Loans

  • Purpose: City Union Bank Gold Loan enables loan applicants to procure funds for meeting their financial needs (except for agricultural purposes)
  • Loan Tenure: Up to 1 year
  • Loan Amount: Up to 75% of market value of collateral
  • LTV ratio: Up to 75% of the market value of gold or 75% of value of gold ornaments as evaluated by the bank approved appraiser whichever is lower (in terms of gross weight) based on the scale of finance fixed by the bank
  • Security: Pledging gold ornaments between 22 and 24 carats

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Eligibility Criteria for availing City Union Bank Personal Loan

City Union Bank Instant Consumer Loan

  • Only individuals are eligible to avail loans under this scheme
  • Minimum Age: 21 (for salaried) and 25 (for self-employed)
  • Maximum Age: 60 years
  • CIBIL Score: 700 and above
  • Income criteria: Minimum monthly salary of Rs 15,000 (for salaried) and declared income of Rs 2.5 lakh (for self-employed)

City Union Bank Instant Gold Loan

The gold ornaments pledged for availing instant gold loan should be between 22 and 24 carats.

Individuals planning to avail personal loans from City Union Bank can check the unsecured personal loan eligibility criteria offered by other lenders.

City Union Bank Personal Loan Documentation Required

City Union Bank Personal Loan applicants availing instant consumer loans and instant gold loans need to submit the below mentioned documents:

ID proof

  • Aadhaar card
  • Passport
  • PAN card
  • Voter’s identity card
  • Driving license
  • Ration Card
  • Identity card/confirmation from employer or other bank (subject to the branch’s satisfaction)
  • ID card issued by recognized educational institutions
  • Letter from a recognized public authority or public servant (not below the rank of the Tahsildar) verifying the identity and residence of the customer to the satisfaction of Bank
  • Job card issued by NREGA duly signed by an officer of the State Government
  • Letter issued by UIDAI (Unique Identification Authority of India) with details of name, address & Aadhaar number.

Address proof

  • Aadhaar card
  • Passport
  • Voter’s Identity card
  • Driving license
  • Telephone bill (not older than 2 months with installation at least before 6 months)
  • Bank account statement
  • Letter from a recognized public servant or public authority (not below the rank of Tahsildar) verifying the customer’s identity and residence to bank’s satisfaction
  • Electricity bill (latest)
  • Ration card
  • Letter from employer (subject to bank’s satisfaction) ID issued by Postal Authorities
  • Job card issued by NREGA and duly signed by a state government officer
  • Letter issued by UIDAI (Unique Identification Authority of India) with details of name, address & Aadhaar number.
  • Consumer Pass Book issued by Gas Agency
  • A rent agreement indicating the address of the customer duly registered with State Government or similar registration authority

Loan applicants planning to avail personal loans from City Union Bank can also look at the documentation required for unsecured personal loans offered by other lenders.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

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

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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