Personal Loan Closure (Pre-Closure) Procedure - HDFC, Axis, ICICI, Citibank
Personal Finance - Personal Loan Closure (Pre-Closure) Procedure - HDFC, Axis, ICICI, Citibank in IPO's & MF's - Personal Loan Closure Procedure - HDFC, Axis, ICICI, Citibank I had personal loans with HDFC, Citibank and Fullerton and i ...
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Personal Loan Closure (Pre-Closure) Procedure - HDFC, Axis, ICICI, Citibank

  1. Personal Loan Closure (Pre-Closure) Procedure - HDFC, Axis, ICICI, Citibank

    Personal Loan Closure Procedure - HDFC, Axis, ICICI, Citibank

    I had personal loans with HDFC, Citibank and Fullerton and i pre-closed them all ... So, i am going to give pointers to those who are looking to close off their personal loans. This will help you save time.

    Check List / Procedure
    • Personal Loan Account no: Have your personal loan account number handy. If you do not know it, call up customer care with the bank or from whom you took a personal loan. Confirm your personal details for verification and they will check their systems to give your loan account number details.

    • Get Closure Quote, Payment Venue: Currently you may have pre-closure charges. Ask customer care for exact amount that needs to be paid for pre-closure. Also ask where in your city, you can walk in to pay and pre-close the loan. For Citibank, i was told that i cannot walk in and pay. I was given a mail room address and i couriered the DD via Blue Dart and the loan was closed promptly

    • Things to Carry: ID Proof, Cheque / DD for pre-closure, Loan Account no

    • Pre-Closure Acknowledgement Receipt: Walk in to the branch nearest to you and hand over the cheque or DD for pre-closure and make sure to collect the pre-closure acknowledgement receipt for the same. Avoid using cash to pre-close.

    • If your next EMI is very close, it might still get processed, but the bank should credit it back soon.

    • Within 2 weeks, you should get confirmation on pre-closure. If you face any issues, claim and follow-up using the pre-closure acknowledgement receipt









  2. A loan acknowledgement receipt will look like below


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