City Union Bank Personal Loan Interest Rate – Latest Details

Key Insights

 

• You can get City Union Bank Personal Loan up to ₹10,00,000 as per your requirements.
   
• For City Union Bank Personal Loan, you need to submit various documents like, Aadhar Card, PAN Card, Driving Licence, etc.
   
• Your City Union Bank Personal Loan Interest Rate is generally affected with factors like, credit score, monthly income, etc.

 

 

The City Union Bank personal loans help you to get an instant personal loan without extra income proof or paperwork.

 

The City Union Bank offers a competitive interest rate on personal loans, with no foreclosure charges after the 12th EMI.

 

This blog helps you understand the interest rate in 2025, schemes, key features, and tips for reducing your personal loan interest rate with City Union Bank.

City Union Bank Personal Loan Interest Rates 2025

 

The following table highlights the City Union Bank Personal Loan Interest Rates: 
 

 

From the above-mentioned table, you can see the interest rates offered to you on City Union Bank Personal Loan.

Read More - City Union Bank Net Banking: How to Register, Login & Use Services

Types of City Union Bank Personal Loan Schemes

 

There are two types of schemes in City Union Bank: a pre-qualified personal loan and a CUB Personal Loan.

 

Here are the details:
 

 

City Union Bank Personal give you financial support with instant approval.

Key Features of City Union Bank Personal Loan

 

The City Union Bank Personal Loan features like a road map of your journey.

 

Here is the list of features of the City Union Bank Personal Loan.
 

• Effortless Process: You can get a personal loan in just 10 clicks without any income proof.
• Flexible Loan Amount: You can choose your loan amount between ₹1,00,000 and ₹10,00,000 according to your needs.
• Competitive Interest Rates: Minimum interest rate is 11% and maximum interest rate is 16%.
• No Collateral Required: Avail personal loans without any security.
• Lightning-Fast Disbursal: City Union Bank customers can disburse an amount in just 5 minutes.

 

These features enhance the City Union Bank Personal Loan. (Click here to know more)

Factors Affecting City Union Personal Loan Interest Rate

 

Here are some categories where you can reduce your interest rate on the City Union Bank Personal Loan.
 

[P x R x (1+R)^N]/[(1+R)^N-1]

where,

P = Principal amount

R = is the interest rate

N is the Loan tenure

 

Suppose Shikhar had an emergency, and he needed instant ₹50,000 with a tenure of 12 months at 15%.

 

[₹50,000x15%x(1+15%)12] / [(1+15%)12-1]

 

According to the formula calculation, you have to pay ₹4,512.93 as EMI, and the total payable amount of the loan is ₹54,155,16.

 

Bonus Tip: Don’t blindly accept terms & conditions in the application process, as it could lead to confusion about the loan process.