Pricing Grid for Citibank Mortgage Loans (Effective April 02, 2014)

Variable Rate Loans

Home Loan/ Home Loan Takeover

Loans up to Rs. 25 lacs ( without Home Credit facility)

10.00% p.a. to 10.25% p.a.

Loans up to Rs. 25 lacs ( with Home Credit facility)

10.25% p.a. to 10.50% p.a.

Loans > Rs. 25 Lacs

10.25% p.a. to 10.75% p.a.

Property Power / Property Power Loans with Enhancement

Loans offered to manufacturing / service units qualifying under the Medium & Small Enterprise norms as published by RBI under Priority Sector Lending guidelines

11.50% p.a. to 11.75% p.a.

All Other Loans (Non Priority Sector Lending)

11.75% p.a. to 12.50% p.a.

Home Loan Takeover with Enhancement/ Home Loan Top-up

Home Loan Takeover with Enhancement / Home Loan Top-up

10.50% p.a. to 11.25% p.a.

Note: For CitiHome One Loans, premium of 50 bps on the Credit Line will be applicable across all variants.

Semi Fixed Rate Loans

Home Loan/ Home Loan Takeover Home Loans (without Home Credit facility) Home Loans( with Home Credit facility) 10.10% p.a. (Fixed till Sep 30, 2015) Base Rate + 1.00% p.a. (from October 1, 2015 onwards) 10.25% p.a. - 10.50% p.a. (Fixed till Sep 30, 2015) Base Rate + 1.25% p.a. (from October 1, 2015 onwards)

Property Power / Property Power Loans with Enhancement Property Power Loans (without Home Credit facility) Property Power Loans (with Home Credit facility) 11.50% p.a. (Fixed till September 30, 2015) Base Rate + 2.25% p.a. (from October 1, 2015 onwards) 11.50% p.a. - 11.75% p.a. (Fixed till Sep 30, 2015) Base Rate + 2.50% p.a. (from October 1, 2015 onwards)

Home Loan Takeover with Enhancement/ Home Loan Top-up Home Loan Takeover with Enhancement/ Home Loan Top-up (without Home Credit facility) Home Loan Takeover with Enhancement/ Home Loan Top-up (with Home Credit facility) 10.25% p.a. - 11.00% p.a. (Fixed till Sep 30, 2015) Base Rate + 1.25% p.a. (from October 1,2015 onwards)

10.50%p.a. - 11.25%p.a.(Fixed till September 30, 2015) Base Rate + 1.50%p.a. (from October 1, 2015 onwards)

For Home Loan Takeover with Enhancement/ Home Loan Top-up, the final applicable interest rate till Sep 30, 2015 will depend on the percentage of additional cash out availed over and above the takeover amount/ home loan outstanding amount. Note:
1. The final pricing on the loan will be based on : a. Loan Amount; b. Product/ facility type offered; c. Internal Citibank Loan assessment parameters. The final pricing will be within the range mentioned above. The pricing grid will be reviewed periodically and the final pricing on the loan will be based on applicable interest rates during that point in time. Base Rate refers to Base Rate of Citibank N.A. published by the Bank from time to time. Semi Fixed Rate Loan refers to a loan facility whereby the rate of interest offered a. remains fixed for an initial tenure and b. subsequently becomes variable after completion of the initial tenure, and is directly linked to the Base Rate of the Bank.

2. 3. 4. 5.