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...

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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Valid till 31^st March '26*T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Wide Choice

Curated offers from 30+ lenders

Quick Disbursal

Money in your account instantly

SmartMatch

Offers ranked according to eligibility

Digital Process

Hassle-free & paperless

Find Best Personal Loan Offers

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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 Fee₹ 6,500

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%

Why Choose Paisabazaar?

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Pre-approved Offers with Instant Disbursals

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End-to-End Digital Process

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

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

Avail Personal Loan for
All Your Needs

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

Explore Our Personal Loan Lenders

Avail Personal Loan for
All Your Needs

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What our customers say

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.

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.

Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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City Union Bank Personal Loan

Find Best Personal Loan Offers

How Can I Apply for a Personal Loan Online?

Highlights of City Union Bank Personal Loan

City Union Bank Personal Loan Interest Rates

Fees and Charges for Availing City Union Bank Personal Loan