Question

chlorine atom is electrically neuttral but chloride is charged ion .explain.

Answer 1

Yes, chlorine atom is electrically neutral.
A chlorine atom contains 17 electrons and 17 protons. The charges are balanced.
If a chlorine atom accept one more electron it becomes negatively charged specie called as chloride ion (Cl^-), containing 18 electrons.
Cl + e^- $\to$Cl^-