🇮🇳 India

City Union Bank Last updated2026-05-28

City Union Bank EMI Calculator 2026 rates.

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Quick answer

City Union Bank home loan rate starts at 8.85% (typical 9.2%) as of 2026. A ₹50 lakh loan at 9.2% over 20 years = an EMI of approximately ₹45,631/month.

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EMI Calculator

Live

Loan Amount

₹

₹25.00 L

Interest Rate (p.a.)

Tenure (years)

Monthly EMI

₹21,696

/month

Total Interest

₹27.07 L

52% of total

Total Payable

₹52.07 L

over 20 years

Principal vs Interest Split

48% principal

52% interest

✨ Live · For home, personal, auto, education loans · Excludes processing fees

📊 Current rates

City Union Bank loan rates (May 2026)

🏠 Home Loan

8.85–11%

typical: 9.2% p.a.

💵 Personal Loan

11.45–17.5%

typical: 13% p.a.

🚗 Car Loan

9–11.85%

typical: 9.5% p.a.

💳 Processing Fee

0.50% of loan amount (max ₹7,500 for home loans).

🔁 Prepayment

Zero on floating-rate retail home loans.

About City Union Bank

Why choose City Union Bank?

City Union Bank (CUB), headquartered in Kumbakonam, Tamil Nadu, is a 121-year-old private-sector bank (est. 1904) with about 800 branches concentrated heavily in Tamil Nadu (~70% of branches). Total advances around ₹50,000 crore. CUB is one of the most digitally-advanced mid-size banks in India, with a strong focus on MSME and self-employed lending. The bank operates with notably low cost-to-income ratio (~40%) and consistently high ROA (1.5%+).

🎯 Unique angle

CUB is the dominant Tamil Nadu private-sector bank for MSME and agri-trade self-employed home loans, particularly in tier-2 and tier-3 Tamil Nadu towns like Kumbakonam, Thanjavur, Karaikudi, Tiruvarur, and Mayiladuthurai where national banks have light coverage. For Tamil Brahmin and Chettiar trading-community customers with multi-generational CUB banking, the bank offers preferential pricing plus deep relationship-based underwriting.

Product highlights

✓ CUB Home Loan: 8.85-9.85% repo-linked floating rate
✓ CUB MSME-Linked Home Loan for business owner customers
✓ CUB NRI Home Loan for Tamil NRI diaspora
✓ CUB Plot Loan: standalone plot purchase financing
✓ CUB Pre-Approved Home Loan: digital flow for existing customers

❓ City Union Bank FAQ

Common questions.

City Union Bank for tier-2 Tamil Nadu home loans?

CUB is the dominant lender for Kumbakonam, Thanjavur, Karaikudi, Tiruvarur, Mayiladuthurai, Tiruchi, and broader Cauvery Delta tier-2/3 Tamil Nadu home loans. The bank's branch density and local valuer networks in these towns mean processing in 5-8 days vs 12-20 at HDFC/ICICI (which often don't have branches in these towns). Combined with rate-competitive 8.85-9.20% pricing for prime salaried borrowers, CUB is the natural first choice in central Tamil Nadu.

CUB MSME-Linked Home Loan — how does it work?

CUB MSME-Linked Home Loan allows self-employed business owners with existing CUB business banking relationships (CC/OD limits, term loans) to leverage that history for home loan underwriting. Income verification uses 3 years of bank statements + business turnover + GST returns rather than the full ITR scrutiny that national private banks demand. Approval is typically within 7-10 days for business owners with established CUB current account history. This is one of CUB's most distinctive value propositions for South Tamil Nadu small business owners.

CUB digital banking — competitive with HDFC/ICICI?

Yes. CUB has been one of the most digitally-advanced mid-size banks in India, with strong UPI/mobile banking infrastructure and a well-rated mobile app. The CUB-DigiBank platform handles most retail banking online without branch visits. For salaried CUB customers, home loan pre-approval and document upload can be done end-to-end on the app, with only final property verification requiring branch visit. The digital maturity rivals private bank standards despite CUB's mid-tier size.

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