Looking for a Small Business Loan from Citibank?

You have landed on the right place. This page contains all the information you need about Citibank MSME loans to make a sensible and sound decision.

MSME Loans from Citibank

Being one of the popular foreign banks in India, Citibank offers a range of finance products to different segments of its customer base. The bank offers different funded and non-funded facilities to its MSME customers. The schemes are designed to help business owners in the MSME sector set up business units, purchase equipment, conduct business activities, etc.

The MSME loans offered by Citibank are:

  1. Working Capital Loan
  2. Pre-Shipment Finance
  3. Post-Shipment Finance

We give you a brief introduction to the MSME loans below.

Citibank Working Capital Loan for MSMEs

The loan helps small businesses finance their everyday operations such as for investment in current assets, purchase of raw materials, salary payments, power charges, etc. This a perfect loan scheme for businesses that need help during periods of reduced business activity or while waiting for receipt of payment after completing projects.

Features of Citibank Working Capital Loan

Why this Loan?

  • The Citibank MSME Working Capital Loan can be taken for all projects and activities related to running the business on a day-to-day basis
  • The loan is extended in different forms based on the borrower requirements. The bank may also offer the loan in foreign currencies

Citibank MSME Pre-Shipment Finance

The loan helps small businesses carry out different pre-shipment activities including purchase, processing and packing of goods based on Letter of Credit for export from India. This is a need-based loan.


Features of Citibank MSME Pre-Shipment Finance

Why this Loan?

  • This business loan can be taken for all manufacturing, processing, repairing, business and trading projects and activities
  • The Citibank Pre-Shipment Finance is extended in different forms based on the borrower requirements such as all rupee loans or foreign currency loans
  • The bank may ask for property or stock and book debts as collateral for term loans under this scheme

Citibank MSME Post-Shipment Finance

The loan helps small businesses carry out different activities after shipping of goods till the realisation of export proceeds. This helps them continue running their business operations until the payment is made by the buyer(s).

Features of Citibank MSME Post-Shipment Finance

Why this Loan?


  • The Citibank Post-Shipment Finance can be availed for all manufacturing, processing, repairing, business and trading projects and activities. It is extended in different forms based on the borrower requirements such as all rupee loans or foreign currency loans
  • The bank may ask for property or stock and book debts as collateral for these loans

Important Note: Even though the bank’s website has information available for a few MSME loan schemes at this time, there is a possibility that the bank may offer more corporate loan options that are not yet published on the website. We suggest that you get in touch with the nearest branch to check the loan schemes they offer. This will also help you get a custom quote since many loan schemes are need-based and certain charges such as application charges, service charges, etc. may be decided on a case-to-case basis.

Interest Rate for Citibank Business Loans

  • As of now, the interest rate for Citibank Business Loans is not mentioned on the bank’s website. We suggest that you visit your nearest bank branch to get more details

Documents Needed for Individuals

  • Loan Application Form duly filled and signed by the applicant and co-applicant, if any
  • Two Passport Size Photographs of applicant and co-applicant
  • Personal ID Proof: Aadhaar Card, PAN Card, Passport or Driving License. PAN Card / PAN Card Issuing Letter is must
  • Signature Proof: PAN Card, Banker’s Verification, Driving License or Passport
  • Residential Address Proof (Any One): Aadhaar Card, Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income/Banking Proof: Last 6 months Bank Account Statement of applicant and co-applicant, Loan Statement of Running Loans, Latest Closed Loan NOC, Net Worth of the applicant and co-applicant
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report

Documents Needed for Proprietorship and Partnership Firms

  • Loan Application Form duly filled and signed
  • Partnership Deed and Partnership Registration Certificate
  • ID Proof of the Firm: Firm PAN Card or PAN Issuing Letter
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Income Proof: CMA Data and Project Report, Debtors and Creditors Certificate, GST Return, Last 3 years ITR of applicant and co-applicant, Audited or CA Certified Computation of Income/Trading Account/Profit and Loss Account/Balance Sheet, Annual Audit Report and Tax Audit Report if audited, Form 16A if applicable, Net Worth of applicants, co-applicants and guarantors
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Partnership’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Documents Needed for Private Limited and Public Limited Companies

  • Application Form duly filled and signed
  • Company ID Proof: Company’s PAN Card
  • Office Address Proof: Electricity Bill, Post-paid Phone Bill, Valid Rent Agreement
  • Business Proof: AOA and MOA, Company Incorporation Certificate, Business Commencement Certificate, Board Resolution, CA/CS verified Share Holding Pattern, ROC Annual Return, DIN Certificate, List of Directors on Company Letter Head, GST Number, Form 32 in case of Director Change
  • Income Proof: CMA Data and Project Report, Last 3 Years ITR Acknowledgement copy of Company and all Directors, Last 3 Years Annual Credit Report or Tax Audit Report with Article 3CB, Article 2D, Article 3CD, TDS Certificate/Form 16A, Net Worth Certificate
  • Banking Proof: Last 1-year Statement of Company’s Major Account, Current Account, Cash Credit Account, Overdraft Account, Loan Statement of Running Loans, Latest Closed Loan NOC and Last 6-months Bank Statement of Applicant and Co-applicant’s Savings Account
  • Security (as applicable): Margin Money, Previous and Current Sales Deed, Plant and Machinery list, Plant and Machinery Current Valuation Report, Property Photographs, Previous Property Search and Valuation Report
  • Other Relevant Documents: Company’s Business Profile, Promoter/Guarantor’s Profile, Corporate Brochure, Business Experience Supporting Documents, Business References

Reference Facts

  • Citibank Website: www.online.citibank.co.in and www.citibank.co.in (Net Banking)
  • Headquarters: Mumbai, Maharashtra
  • Call Centre Number: 1860 210 2484