Had you cleared the loan in normal course, or was it some sort of settlement? If it was a settlement, it would adversely affect your credit score. If it was a normal closure, whether Citi Bank had made any demand in writing for paying off the loan after 2008, i.e., after your clearing the loan? You can still demand a loan statement from Citi Bank and check whether the last outstanding balance had become zero after clearance of the loan.

There is nothing wrong in visiting a nearby Kotak Mahindra Bank branch to know and understand what they want to say about the old outstandings of Citi Bank. You can also approach CIBIL, one of the credit score companies, for getting a report and seek their help in getting your grievance solved. Please, however, note that everything depends upon my first question. It is also possible to approach the RBI Ombudsman to resolve the issue. Kindly check this article for more details - https://www.moneylife.in/article/how-to-register-a-complaint-against-your-bank-with-the-banking-ombudsman/62102.html

You may approach us for further assistance, once you do as advised.