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Refer your friends for a Citi Home Loan and earn up to 75,000 per successful disbursal

The more you refer,
The more you earn!

Refer your friends for a Citi Home Loan
and earn up to ₹75,000 per successful disbursal!

Referral Rewards

Amount (in ₹)
Referral Rewards
on Disbursal (in ₹)
30 Lakh - 50 Lakh
Reward of 9,999
>50 Lakh - 1 Crore
Reward of 25,000
>1 Crore - 2 Crore
Reward of 50,000
>2 Crore
Reward of 75,000

Start Referring

Your Details


Email id

Mobile no

Citi Account / Credit Card No. / Mortgage Loan No.

PAN Details

Referee Details

How many friends do you want to refer?

Referee 1


Email id

Mobile no

City of residence

I hereby declare that I have obtained due consent from the people referred above to refer their contact details to Citibank, N.A. and that Citibank, N.A. may contact them to offer its range of banking services and products. I shall be responsible to Citibank, N.A. for any losses or claims that may be occasioned upon Citibank, N.A. in the event that this declaration is found to be untrue*.
I have read the Terms and Conditions of the Citi Home Loan - Referral Rewards*.
I understand how the referral program works and will ensure my referees follow the online referral process only*.


What is the Citi Mortgage MGM program?

It is a Mortgage Loan referral program under which existing Citibank, N.A. Mortgage, Cards, Suvidha, Banking and Personal loans customers in India can refer their friends and acquaintances for Citi Home Loan products and win exciting rewards

Who is eligible under the MGM Program?

  • The Mortgage MGM program is open to existing Citibank, N.A. Mortgage, Cards, Suvidha, Banking and Personal loans customers
  • A referral can be made for customers who do not have mortgage relationships with Citi. Customers with existing mortgage relationships will not be eligible referral under the program.
  • Participants cannot refer themselves, their spouse, father, mother, siblings and children under the Program.
  • Applications already under process with Citibank, N.A., where no referral reference number has been generated upfront are not eligible for any benefits under this Program. No reward shall be due on such loan referrals.
  • The Client Referral Offer is not applicable to Referrers and Referees if the Referee is a resident individual of the European Union, European Economic Area (EEA) or any other jurisdictions where referral activity is restricted. Please consult a bank representative for details.
  • Citibank, N.A. alone shall determine a participant's qualification for the cash reward under the terms of the Program and the decision made by Citibank, N.A. in this regard shall be final and binding.

Please click here to see the detailed terms and conditions of the Mortgage MGM program

How to refer under the MGM program?

The Referrer has to refer their friends through the online referral form only. The online referral form asks the prospect's details (Name/Mobile/Email) and the referrer details (Name /City /Mobile /Email/Existing Citi relationship).

What is the eligibility criteria for a reward?

For customers to be eligible to get a reward, the referred loan should be booked and disbursed within 3 months from the date of booking. If the loan is not disbursed within 3 months from the date of booking, the referrer will not be eligible for the payout. The payment will be made by wire transfer to the customer’s bank account. The reward is subject to tax deduction under Section 194H of the Income Tax Act. PAN number is mandatory to be quoted.

30 Lakh - 50 Lakh Reward of Rs.9999
50 Lakhs - 1 Crore Reward of Rs.25,000
>1 Crore - 2 Crores Reward of Rs.50,000
>2 Crores Reward of Rs.75,000

^Incase of under construction properties, the referral will qualify for payout calculated on the basis of the entire sanctioned loan amount post first tranche disbursal, provided the same is done during the approved time period.

*Subject to tax deduction at source under Section 194H of the Income Tax Act. The reward payouts are subject to the Income Tax, Service Tax, and other laws and regulations applicable at the time of calculations and making of the payments.

How and when will the referral reward be processed?

The reward payout, as directed, will be given in form of an account payable instrument within 4 months from the date of loan disbursal subject to submission of copy of PAN and other required details by the referrer. If the referral reward has not been credited even after 120 days and all required details and documents been submitted by referrer in time, please write to Citi customer care with the following details:

  1. Your name as filled in the referral form
  2. Your email id as filled in the referral form
  3. Your referee's name as filled in the referral form
  4. Your referee's mail id as filled in the referral form

I will make the tax payments directly, can you please wire transfer the entire amount to my bank account?

As per Section 194H of the Income Tax Act, the tax will need to be deducted at source by Citibank, N.A., and remitted to the tax authorities. Hence, we cannot do a wire transfer for the entire amount.

Is there a limit to the number of Mortgage loan referrals a referrer can make?

There is no limit to the number of referrals that a participant to the Program can make under the MGM Program.

Upon submission of the referral form, what is the referral process?

Once referrer submits the referral form with all the details required, automated emails and SMS are sent to both the referrer and all his referees. Please note that customers under the DND (Do Not Disturb) registry may not receive the SMS. The referees would receive an email and SMS informing them that their friend (friend's name would be mentioned) has referred them for a Citi Mortgage Loan. The referees can then indicate consent to be contacted by Citi by:

(a) Clicking on the ‘I agree’ button in the email received. OR (b) SMS MORT to 52484 from the mobile number where they received the SMS confirmation.

Can the referees apply anywhere for a Citi Mortgage Loan?

Each referee's email is unique and customized for his/her referral. The referees should indicate consent to be contacted by Citi directly ONLINE for a Citibank Mortgage loan through this email only or by sending an SMS MORT to 52484. The referees should NOT apply through anywhere else online or offline. They should NOT apply through another referee's referral mail too. If the referee applies elsewhere other than his/her own referral email, the referring customer would automatically not be eligible for that particular referral.

What if the referees do not receive their referral email?

There is a chance that the referral mail might be present in the Spam/Junk/Promotions folders of the referee's mailbox. If the referee still has not received the referral email, kindly write to Citi customer care.