Be very very careful if you are planning to get a personal loan from Citibank. Simply, they would not allow you to close it. And how they do it? They just do not reply to numerous queries, e-mails, phones etc. I had a very humiliating time with Citibank personal loan account. After taking the loan in India, I moved to US and then I sent them number of mails, I called citibank India number of times ( they do not have a toll free number for personal loans!!!) just to get my loan closed. Ther was no response.
Then somehow I managed to get the phone number of some Citibank Manager in US. Finally, near my certain death, I was able to close my loan. In the meantime, Citibank sent me some mails saying that I’ve defaulted on some installments. Later, when I asked for an explanation, they came with another e-mail apologising and saying that they sent me the wrong information.
I would also like to mention a mail from Citibank India Customer Care where she apologised for not replying to my mail for 2 full weeks as she was out of office. It looks like there is only one person in the whole Citibank customer care in India.
I’ll never open any kind of account with Citibank India, rather I would ignore all roads that lead to any Citibank in India.