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Cent Grih Lakshmi

Women-focused home-loan variant where the woman is the sole or first borrower and must be named in the property.

Interest rateNot published as a standalone percentage; the page links Central Bank's latest interest-rate table.Maximum amountA separate maximum amount is not published on the Cent Grih Lakshmi page; all Cent Home Loan quantum terms apply.Scheme validityScheme valid through 31 March 2027; all other Cent Home Loan terms apply.
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Quick eligibility check

Cent Grih Lakshmi

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Woman must be the sole borrower or first named borrower, and her name must appear in the property?

Published source: Eligibility

2Do you meet this requirement: the woman-borrower and property-name conditions are the variant's stated eligibility rules?

Published source: Minimum income

3Do you meet this requirement: The woman must be sole borrower or first named borrower and her name must appear in the property?

4Document checkDo you have this required document or proof: KYC, income and property documents as required for Cent Home Loan?

Published source: Eligibility
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Sept 2026 · active
Offered byCentral Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

EligibilityWoman must be the sole borrower or first named borrower, and her name must appear in the property.View source
The page publishes the sole/first borrower and property-name rules.
Source
Cent Grih Lakshmi
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Scheme validityScheme valid through 31 March 2027; all other Cent Home Loan terms apply.View source
The page gives the validity date and incorporates Cent Home Loan terms.
Source
Cent Grih Lakshmi
Page / section
Validity and terms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Processing feeNo processing-fee amount is published on the reviewed Cent Vidyarthi page.View source
The page publishes margin, security and insurance but no processing-fee row.
Source
Cent Vidyarthi Scheme
Page / section
Complete fee review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Interest rateNot published as a standalone percentage; the page links Central Bank's latest interest-rate table.View source
The page links the current table without an embedded numeric rate.
Source
Cent Grih Lakshmi
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Loan typeCent Grih Lakshmi uses the underlying Cent Home Loan facility; the variant page does not define a separate facility type.View source
The page says all other Cent Home Loan terms and conditions apply.
Source
Cent Grih Lakshmi
Page / section
All other terms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Maximum amountA separate maximum amount is not published on the Cent Grih Lakshmi page; all Cent Home Loan quantum terms apply.View source
The page incorporates Cent Home Loan terms without restating a cap.
Source
Cent Grih Lakshmi
Page / section
All other terms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo minimum income amount is published on the Cent Grih Lakshmi page; the woman-borrower and property-name conditions are the variant's stated eligibility rules.View source
The complete page gives woman-borrower conditions but no minimum income figure.
Source
Cent Grih Lakshmi
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR calculation on the Cent Grih Lakshmi page.View source
No calculation is shown.
Source
Cent Grih Lakshmi
Page / section
Complete rate review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkThe Cent Grih Lakshmi page links the latest Central Bank rate table but does not name a benchmark.View source
No benchmark is named on the variant page.
Source
Cent Grih Lakshmi
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the Cent Grih Lakshmi page.View source
The complete page contains no prepayment or foreclosure row.
Source
Cent Grih Lakshmi
Page / section
Complete fee and foreclosure review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Women-first ownership and borrowing structure
  • All Cent Home Loan terms apply
  • Scheme validity published through 31 March 2027
  • Processing-fee waiver published through 31 December 2026

Eligibility

  • The woman must be sole borrower or first named borrower and her name must appear in the property.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • , income and property documents as required for Cent Home Loan

Related official documents

Cent Grih Lakshmiofficial-product-page · current · accessed 6 Sept 2026
↗

Plan before applying

Try the numbers

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Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Cent Home Double Plus · Eligibility / limitAge 18+; regular identified income

This value is copied from Central Bank retail-loan variants. Check the table notes before relying on it.

Source: Central Bank retail-loan catalogue · Housing, education and loan-against-property variant pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 5 columnsCentral Bank retail-loan variantsPublished numerical terms transcribed from each official variant page.View tableHide table

Scroll sideways to view every column

Central Bank retail-loan variants
ProductEligibility / limitTenure or validityFeesSecurity / special terms
Cent Home Double PlusAge 18+; regular identified incomeCent Home terms apply0.50% + , max ₹20,000; waiver through 31 Dec 2026; documentation ₹1,350 + Equitable mortgage; overdraft; guarantee waived for salaried and up to ₹20 lakh for self-employed/others
Cent Grih LakshmiWoman sole/first borrower; woman named in propertyValid through 31 Mar 20270.50% + , max ₹20,000; waiver through 31 Dec 2026All Cent Home terms apply
Cent VidyarthiIndian national admitted to recognised higher study; max ₹2 crore; margin 0–15%15 years after course + 1-year moratoriumRate linked to latest table; up to 1% concession if interest serviced cover up to ₹4 lakh; collateral above ₹7.50 lakh; student life cover
Cent MortgageAge 21+; gross annual income ₹12 lakh; ₹5 lakh–₹7.50 croreTerm 180 months; renewal 120 months1% + max ₹50,000 term; 0.5% max ₹5,000 renewal; documentation ₹2,500/₹5,000Mortgage of eligible self-occupied residential property; thresholds
  • Numeric rates and are not embedded on these pages; each links the bank's latest rate table.
Central Bank retail-loan catalogue · Housing, education and loan-against-property variant pages · accessed 6 Sept 2026Open official source ↗

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