CITIBANK STOCK POWER
Get instant liquidity and avail loans for acquiring an asset without selling or redeeming your investments
- Access up to 70% of the value of your Scrips, Mutual funds or Bonds*
- Competitive interest rates
- NIL lock in period
- Investment account for holding shares can be maintained with Citibank or with a third party
Terms and Conditions for Citibank Stock Power.
DEMAT ACCOUNT
Guard your shares and other eligible securities, by holding them in an electronic, dematerialized form. Access your account anytime, anywhere, using Citibank's award winning internet platform
- Linked to your Citibank Account
The Demat Account is linked to your Citibank Savings/Current account. You may assign your linked Citibank account as a credit account to receive automatic credits of dividend. You can use the Bank Account IPIN (for Citibank Online Internet Banking) and TPIN (for CitiPhone banking) to access your Demat Account
- 24-hours access to the account on all days
View the Demat Account details at any time on Citibank Online. Get complete details of the account holders, nominee details and the holdings along with the value at a portfolio level as well as at an individual stock level. Also get transaction details for a specific stock or for all transactions in the account for the selected period
This webpage is intended only for Citibank customers. Any and all facilities / services / offers mentioned on this webpage are subject to specific Citibank N.A. Terms and conditions. You are advised to contact Citibank N.A. to obtain and understand the applicable Terms and conditions and / or any questions you may have with regard to any information contained on this webpage. Citibank N.A. does not guarantee the accuracy, adequacy or completeness of any information on this webpage and is not responsible for any errors or omissions or for results obtained from the use of such information as contained on this webpage. Citibank N.A., Citigroup and / or any of their affiliates / associates have no liability whatsoever to any person on account of the use of information provided herein and the said information is provided on a best-effort basis. Citibank has the right to modify or drop facilities / services / offers mentioned on this webpage at any time without assigning any reason whatsoever.
LONG TERM INVESTMENTS
Diversify your investment plans and investment types. Choose from many levels of risk and returns
- Professional Management
Benefit from expert management of your money by qualified professionals - Intelligent Investing
Lower your risk of loss by having your investment spread across various industries and geographic regions. This investment concept is called diversification - Flexibility
Mutual Funds offer a variety of schemes that will suit your needs over a lifetime. When you enter a new stage in your life, all you need to do is rearrange your portfolio to suit your altered lifestyle - Affordability
You can start investing with as little as Rs 1,000. You can invest that amount in our Systematic Investment Plan (SIP) on a regular basis
- Liquidity
With open-ended funds, you can redeem all or part of your investment any time you wish and receive the current value of your investment - Transparency
The performance of a Mutual Fund is reviewed by various publications and rating agencies, making it easy for investors to compare one fund to another - Regulations
All Mutual Funds are required to register with Securities Exchange Board of India (SEBI)
Citibank N.A. provides investment services as a distributor of third party Investment products (shortly referred as 'investment products'). Citibank N.A. does NOT provide investment Wealth Management services in any manner or form. Investment products do not pertain to Citibank. Investment Products (i) are not bank deposits or obligations of or guaranteed by Citibank, N.A. Citigroup, Inc or any of its affiliates or subsidiaries; (ii) are not insured by any governmental agency and (iii) are subject to investment risks, including the possible loss of the principal amount invested. Past performance is not indicative of future results, prices / invested sum is subject to market risks which may result in appreciation or depreciation. The ownership of any investment decision(s) shall exclusively vest with the Investor after analyzing all possible risk factors and by exercise of his / her / its independent discretion and Citibank N.A shall not be liable or held liable for any consequences thereof.
Investment products are distributed by Citibank N.A. on a non -discretionary and non participation basis. The final investment decision shall at all times exclusively remain with the investor.
Investor investing in investment products acknowledge that: (i) the third party product provider may invest in products denominated in non-local currency; (ii) there could be risk of exchange rate fluctuations, which may result in loss of principal or erosion of value of investment . This document does not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution or offer is not authorized or to any person to whom it is unlawful to distribute such a document or make such an offer or solicitation. Please exercise diligence by reading & understanding the Key Information Memorandum(s) / Scheme Investment Document(s) & Statement of Additional Information / Term Sheet / Prospectus carefully before investing and no claim whatsoever shall be made against Citibank N.A. any of its affiliates or subsidiaries and / or employees claiming any influence / recommendation / advice / responsibility / liability as against your decision to invest in any investment product.
Investor should ensure to understand, accept the identities of different parties and the roles that they play in relation to the various Investment Product(s). Investor acknowledges that, there may be various actual or potential conflicts of interest between Citibank N.A. India, Citigroup Capital Markets Ltd., Citigroup Inc. or their affiliates or subsidiaries (collectively "Connected Persons") and that of an investor itself , as a result of the various investment and / or commercial businesses and / or activities of the Connected Persons. You are deemed to accept, on purchasing / subscribing / investing to a particular Investment Product(s), that any such conflict may exist and may be prejudicial to an investment in the Investment Product(s).
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Fixed Deposits
Current Account customers can avail an overdraft line up to 90% of the deposit value. Your deposit can be booked from Rs 1,000 onwards for a tenor as low as 7 days
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Multi Deposits
Earn attractive interest rates and still have the funds as part of your withdrawal balance. Withdraw easily in multiples of Rs 1,000 without breaking the complete deposit -
Recurring Deposits
Place a monthly standing instruction to automatically debit your account and book a Recurring Deposit. Choose tenures ranging from 12 months to 24 months. Choose to book from Rs 1,000 to Rs 20,000 per month
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Senior Citizens Deposits
Senior Citizens Fixed Deposits earn additional interest of 50 basis points per annum on deposits below Rs 1 Crore. Your deposit is linked to your Savings Account to give you the benefit of a Higher Net Relationship Value (NRV) -
Tax Saver Deposits
Under the Finance Act of 2006, Term Deposits up to Rs 1,50,000 booked for five years is applicable for benefit under Section 80C under Income Tax Act, 1961 -
High Net Relationship Value Benefits
Individuals with a High Net Relationship Value (NRV) with us qualify for certain preferential services such as:- Lower rates and quicker processing of loans
- Special promotional offers from time to time
- Higher credit and withdrawal limits on Cards
- Dedicated relationship manager
Terms and Conditions for Deposits.
HOME FINANCE
Be it purchase financing or refinancing of local properties, enjoy preferential interest rates on your home loans
- Easy Home Loan up to Rs 10 Crore
- Flexible repayment tenure up to 25 years
- Home Loans up to 80% of the property value
- Flexibility to pay interest only during construction period
- Exclusive Home Credit Fast Track Facility - Park your surplus funds in the Citibank Home Credit Account to save interest or repay your loan faster
- Interest calculated on daily reducing balance
- No co-borrowers / guarantors required
- CitiPhone platform to answer all your queries
- Online access to your Home Loan Account
- Home Loans available for Purchase of under Construction Property and Purchase of Ready Property
- Attractive Interest Rates
- Complete waiver on Application fees
Terms and Conditions for Citibank Home Loans.
- Special features of Loan against Property:
- Loans up to Rs 5 Crore
- Flexible repayment tenure up to 15 years
- Loan against residential property
- Loans up to 70% of the property value
- Exclusive Home Credit Fast Track Facility - Park your surplus funds in the Citibank Home Credit Account to save interest
- You can get a Loan against Property for:
- Purchase of machinery
- Purchase of commercial property
- Closure of existing high-cost debts
- Buying a new property
- Your child's education
- Any other personal, business or professional need
- Complete waiver on Application fees
- Discounted Booking fees (Franking charges to be borne by customer)
- Attractive Interest Rates
Terms and Conditions for Citibank Property Power.
Transfer your existing high cost loans to Citibank and reduce your monthly EMI payments. Avail a higher loan amount to fulfill your personal and professional needs.
- Transfer your high cost loans of up to Rs 5 Crore
- Flexible repayment tenure up to 20 years
- Sanction basis on your existing loan repayment record
- Exclusive Home Credit Fast Track facility - Lets you save interest by depositing your surplus funds and the interest saved reduces your principal outstanding, allowing you to repay your loan faster
- Avail an enhancement of up to Rs 3 Crore for any personal, business or professional need
- Attractive Interest Rates
- Complete waiver on Application fees
Terms and Conditions for Citibank Home Loan Transfer.
INSURANCE
Comprehensive, tailor-made solutions that help you protect what matters most
Smart, hassle-free financial solutions in one conversation, so you can grow and protect what truly matters.
Learn more >Enjoy cashless hospitalisation coverage and other health benefits by insuring you and your family.
Learn more >Get comprehensive financial security for your investments. Insure your trips, properties and employees.
Learn more >EFFICIENT WORKING CAPITAL MANAGEMENT
Determines your company's financial health
- With your Citigold Relationship, you will enjoy a host of services like Free Demand Drafts, Free foreign currency drafts, Nil cheque return charges, Free outstation check collection along with RTGS and NEFT across all participating banks in the country
- Enjoy cash / cheque pick up facility at a nominal cost
- Alternate receivables management include Payment Gateways, EDC, Mobile POS
FOREX SOLUTIONS
Manage your foreign exchange flows efficiently with Citibank's global network and faster turn around times
- Benefit from multi-currency EEFC account and special purpose foreign currency account
- Avail foreign currency drafts at your nearest Citibank branch
- Customised hedging solutions to manage volatile exchange rate movement
TRADE SERVICES
Access direct relationships with correspondent banks across countries to manage your business's trade needs
- Export Bill Collection Service
- Export Packing Credit & Bills Negotiation (Pre & Post Shipment Finance)
- Export LC Advising and LC Confirmation
- Export Document Scrutiny Services
- Import Letter of Credit
- Import Payment Services
- Supplier Buyers Credit
- Bank Guarantees
COMMERCIAL LOANS
Designed with you in mind, get attractive interest rates for your immediate business needs
- CitiBusiness gives you an array of commercial lending products like Non-Fund Based Lines, Secured Term Loans and Cash Credit facilities
- We can also offer loans in foreign currency
SAFE DEPOSIT LOCKERS
Be assured that your valuables are in safe hands
- As a privileged Citigold Client, get world-class safety for your wealth when you deposit your valuables in Citibank Safe Deposit Lockers
- Safe Deposit Lockers come to you in various sizes to suit your needs
