City Union Bank Personal Loan Key Features
|Age||21 to 60 Years|
|CIBIL score||Minimum 750 or above|
|City Union Bank Personal Loan Interest Rate||9.99% per annum|
|Lowest EMI per lakh||Rs 2148|
|Tenure||12 to 60 months|
|City Union Bank Personal Loan Processing Fee||1% to 2%|
|Prepayment Charges||2% – 4%|
|Part-Prepayment||2% – 4%|
|Minimum Loan Amount||Rs. 50,000|
|Maximum Loan Amount||Rs. 20 Lakh|
Each Feature Explained in Detail Below
City Union Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
|CIBIL score||750 and Above|
|Age||21 to 60 years|
|Min Income||Rs 25000/month|
City Union Bank Personal Loan Fees and Other Charges
|City Union Bank Personal Loan Interest Rate||9.99% per annum|
|City Union Bank Personal Loan Processing Charges||1% to 2%|
|Prepayment Charges||2% to 4%|
|Stamp Duty||As per state laws|
|Cheque Bounce Charges||Rs. 550/chq + GST|
City Union Bank Personal Loan Documents Required
|Proof of Identity||Copy of:
> Driving License
> Aadhar Card
> Voter ID Card
|Proof of Address||Rent Agreement (Min. 1 year of stay)
Passport (Proof of permanent residence)
|Proof of Income||> ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months
City Union Bank Personal Loan EMI Calculator
City Union Bank Personal Loan Compared to Other Banks
|Bank||Interest Rate||Tenure||Loan Amount & Proc Fee|
|City Union Bank||9.99%||12 to 60 months||Up to Rs. 20 lakh / Up to 2.50% of the loan amount|
|HDFC Bank||11.25% to 21.50%||12 to 60 months||Up to Rs. 40 lakh / Up to 2.50% of the loan amount|
|Bajaj Finserv||Starting from 12.99%||12 to 60 months||Up to Rs. 25 lakh / Up to 3.99% of the loan amount|
|Axis Bank||15.75% to 24%||12 to 60 months||Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount|
|Citibank||Starting from 10.99%||12 to 60 months||Up to Rs. 30 lakh / Up to 3% of the loan amount|
|ICICI Bank||11.50% to 19.25%||12 to 60 months||Upto Rs. 20 lakh / Up to 2.25% of the loan amount|
Other Loan Products from City Union Bank
|Gold Loan||Car Loan||Home Loan||Business Loan|
|TWL||LAP||Credit Card||Education Loan|
Why should you apply for City Union Bank Personal Loan with Dialabank?
- Dialabank will help you choose the best financial products for your needs.
- We make it convenient and simple for you to decide what loan you should avail.
- We provide you with the lowest interest rates available in the market.
- Dialabank is your trustworthy financial advisor and friend.
How to Calculate EMIs for City Union Bank Personal Loan
You can use the EMI calculator given below.
City Union Bank Personal Loan Processing Time
City Union Bank takes about a week to process your personal loan application. Banks have to carefully examine all your documents and details before giving approval as personal loans are unsecured.
City Union Bank Personal Loan Preclosure Charges
City Union Bank lets you foreclose your personal loan with 2% to 4% foreclosure charges. You can pay back your loan amount after 12 EMIs.
City Union Bank Calculated EMI for Personal Loan
Types of City Union Bank Personal Loan
City Union Bank Marriage Loan
Weddings are an important part of our life and one of the happiest days of our lives. City Union Bank provides low-interest personal loans to multiply your happiness and make you worry-free.
City Union Bank Personal Loan for Government Employees
Employees of the central and state government can apply for a City Union Bank personal loan and meet all their expenses. The bank has special rates and offers for all the government employees.
City Union Bank Doctor Loan
Doctors with at least four years of practice experience can apply for a personal loan from City Union Bank to meet their financial needs.
City Union Bank Personal Loan for Pensioners
Public sector employees who receive a pension can apply for a personal loan and fulfill their post-retirement financial needs. Dialabank helps you choose the right financial product for all your needs.
City Union Bank Personal Loan Balance Transfer
If your existing personal loan EMIs are a cause of your financial worries, you can apply for a City Union Bank personal loan balance transfer with Dialabank to get a low-interest personal loan.
City Union Bank Personal Loan Top Up
You can apply for a City Union Bank personal loan top-up facility to get additional funds on your existing personal loan. Dialabank helps you choose the best deals on personal loan offers.
City Union Bank Personal Loan Status
You can check the status of your personal loan by;
- Visiting the branch in person and asking your loan officer.
- Contacting the customer care number of the bank.
How to apply for City Union Bank Personal Loan
Apply for a Personal Loan from City Union Bank in a few easy steps :
- Visit Dialabank.
- You can even visit the City Union Bank page on Dialabank.
- There, you can analyze the loan schemes that are suitable for you.
- Once you’re through it, Fill the required form with your details.
- When you fill and submit the form, our customer relationship manager will connect with you.
- He or she will assist you in the whole loan approval process.
- That’s how you can get instant loan approval through Dialabank.
- You can know more by calling on 9878981166.
FAQs About City Union Bank Personal Loan
✅ What is City Union Bank Personal Loan?
City Union Bank Personal Loan is the right financial help that you need when you feel burdened with expenses. A Personal Loan can be availed without the need to submit security, and the loan amount can be used for any personal financial need.
✅ How does City Union Bank Personal Loan work?
City Union Bank Personal Loan works like any other loaning product. All you need is your KYC Documents and Income Proof to apply for a personal loan. Once approved, the loan amount is transferred to your account and can be used for a number of purposes.
✅ What is the Personal Loan rate of interest in City Union Bank?
The personal loan rate of interest in City Union Bank starts at 9.99% per annum. Visit Dialabank or contact us on our financial helpline number to know all the details about Personal Loan products of different banks across India and apply for the one that best suits your needs.
✅ How can I get City Union Bank Personal Loan?
Walk into the nearest City Union Bank branch and contact your banker regarding Personal Loan. You will need to submit documents for Identity, Address, and Income proof. Upon verification and approval of your application, the loan amount will be disbursed into your account.
✅ How to apply for Personal Loan in City Union Bank?
You can easily apply for a Personal Loan with City Union Bank by contacting the nearest branch in person, or you can also apply online with Dialabank and get the best deals and offers for your financial needs.
✅ Why apply for City Union Bank Personal Loan?
You can use your City Union Bank Personal Loan for a number of financial needs such as funding your marriage or that of a relative, pay all your big and small bills, renovate or repair your home, and etc. Personal Loans are unsecured loans, and thus you can are not required to submit any collateral to avail emergency lump sum funds.
✅ How much EMI on City Union Bank Personal Loan?
Your Personal Loan EMI varies depending on your loan amount, loan tenure, and rate of interest. You can use Dialabank’s EMI calculator to calculate your estimated EMIs in seconds.
✅ How much CIBIL score required for City Union Bank Personal Loan?
City Union Bank requires you to have a CIBIL score of at least 700 in order to process your loan application. Your CIBIL score is an indication of your repayment abilities and thus becomes a crucial criterion in determining your unsecured Personal Loan’s eligibility.
✅ Minimum credit score needed for City Union Bank Personal Loan?
A minimum credit score of 700 is needed to get Personal loans from City Union Bank. Your Credit Score will determine your creditworthiness and the risk of default involved in lending you money.
✅ How to calculate City Union Bank Personal Loan EMI?
You can use the EMI calculator available on Dialabank’s website to calculate your City Union Bank’s Personal Loan EMI. You can also compare offers and deals from different banks with us and apply for the best ones that cater to your needs.
✅ What can I use City Union Bank Personal Loan for?
Use your Personal Loan for a number of financial needs. Family events, medical bills, purchase of daily use commodities, or to finance any other personal expense. Personal Loans are one-stop solutions for all your needs.
✅ Can I prepay City Union Bank Personal Loan?
When you have the needed funds and want to close your Personal Loan, you can visit your loan branch and apply it with your banker for the same. You may be charged with a minimum prepayment fee based on the number of EMIs left to pay.
✅ How to prepay City Union Bank Personal Loan?
Prepayment of your City Union Bank Personal Loan can be done by visiting your loan branch with your loan documents and asking your loan officer for the same. You will have to pay the entire outstanding Amount along with any foreclosure charge as shall be applied by the bank.
✅ How to repay City Union Bank Personal Loan?
Repay your Personal Loan in easy EMIs that can be automatically deducted from your bank account each month. City Union Bank’s Personal Loan can be repaid through post-dated cheques too.
✅ What documents are needed for City Union Bank Personal Loan?
KYC documents(Aadhar card, PAN card, etc) along with income proof(bank statement, salary slips, ITR files) are the documents that are needed for your Personal loan from City Union Bank.
✅ How to check City Union Bank Personal Loan status?
To check the City Union Bank Personal loan status you can visit your loan branch or ask your loan officer about the updates, you can also contact the customer care number to know the status of your loan.
✅ How to close City Union Bank Personal Loan Online?
Closing of a personal loan from City Union Bank involves the following steps:
- Visit the net-banking page of City Union Bank.
- Login using your details.
- Pay for your personal loan and save the transaction receipt.
✅ How to pay City Union Bank Personal Loan EMI Online?
Your personal loan EMI can be paid using the net-banking services of City Union Bank. Dialabank lets you compare offers and deals from different banks to choose the best, low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in City Union Bank?
To check the personal loan balance in City Union Bank, you will need to contact the customer care number of City Union Bank. If you are looking for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.
✅ How to download City Union Bank Personal Loan Statement?
The personal loan statement of City Union Bank can be downloaded using the City Union Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.
✅ How to Top Up Personal Loan City Union Bank?
If you need a top-up on your personal loan from City Union Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us
✅ What happens if I don’t pay my City Union Bank Personal Loan EMIs?
City Union Bank may charge you with a penal interest if you fail to pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans that will not put a hole in your pocket.
✅ How to find the City Union Bank Personal Loan account number?
You will need to contact your City Union Bank loan branch to know your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.