You can pay the EMI of Citibank personal loan online in three ways:
NEFT: You can get funds credited to your Personal Loan Account through NEFT option even when you pay through a non-Citibank Bank account.
E-PAY: E-Pay service by Citibank lets you pay your Personal Loan EMI online even if you don't have a Citibank banking account. All this take two working days to get credited into your personal loan account.
ACH/ECS: You can transfer the funds from one bank account to your personal loan account with the facility of ACH or Automated Clearing House. For this, you are required to provide a signed mandate to Citibank authorizing the transfer of funds from your account with another bank.