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Citibank offers personal loans at one of the lowest interest rates ranging between 9.99% to 17.99% p.a. You can borrow up to Rs.30 lakh for your personal expenses like medical bill payment, wedding in family, car purchase, home renovation, etc. Citibank offers a personal loan for up to 60 months. The bank charges a nominal processing fee of 3% of the sanctioned loan amount.