IndiaBanks.org · independent research

Personal, home, vehicle & other loans

Cent Home Loan

Housing finance for purchase, construction, repair, plot-plus-construction, takeover and eligible furnishing costs, with up to 90% and tenure up to 30 years.

Interest rateThe page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.Maximum finance / LTVUp to 90% of home/flat cost for loans up to ₹30 lakh; 80% above ₹30 lakh up to ₹75 lakh; 75% above ₹75 lakh. Repairs/renovation and plot purchase are financed at 75% LTV. Furnishing/interiors may add up to 15% of cost subject to ₹50 lakh and the applicable LTV.TenureUp to 30 years or until the borrower reaches age 75, whichever is earlier; extensions, repairs and renovation must be repaid within 10 years.
Official product page ↗Compare category

Quick eligibility check

Cent Home Loan

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.

1Does your annual income meet this requirement: Maximum EMI/NMI ratio is 20% for net annual income up to ₹3 lakh, 50% above ₹3 lakh to ₹7 lakh, 65% above ₹7 lakh to ₹10 lakh, 70% above ₹10 lakh to ₹15 lakh and 75% above ₹15 lakh?

Published source: Income / EMI-NMI rule

2Do you have a regular source of income?

3Does your annual income meet this requirement: a close-relative co-borrower may be used when the property holder has no independent income?

4Document checkDo you have this required document or proof: KYC, income and property documents required by Central Bank; documentation charge ₹1,350 plus GST is published?

Published source: Income / EMI-NMI rule
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.

Loan typeHousing term loan for purchase, construction, plot-plus-construction, repair/renovation, takeover and eligible furnishing/interior costs.View source
The page lists seven permitted housing purposes, including takeover and reimbursement of recent own investment.
Source
Cent Home Loan
Page / section
Purpose
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Maximum finance / LTVUp to 90% of home/flat cost for loans up to ₹30 lakh; 80% above ₹30 lakh up to ₹75 lakh; 75% above ₹75 lakh. Repairs/renovation and plot purchase are financed at 75% LTV. Furnishing/interiors may add up to 15% of cost subject to ₹50 lakh and the applicable LTV.View source
Central Bank publishes the three bands and the 75% repair/plot rules.
Source
Cent Home Loan
Page / section
Quantum of Loan / Margin ()
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Income / EMI-NMI ruleNo single minimum income amount is published. Maximum EMI/NMI ratio is 20% for net annual income up to ₹3 lakh, 50% above ₹3 lakh to ₹7 lakh, 65% above ₹7 lakh to ₹10 lakh, 70% above ₹10 lakh to ₹15 lakh and 75% above ₹15 lakh.View source
The page states applicants must be over 18 with steady income and publishes the complete / ratio table.
Source
Cent Home Loan
Page / section
Eligibility and / ratio
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
TenureUp to 30 years or until the borrower reaches age 75, whichever is earlier; extensions, repairs and renovation must be repaid within 10 years.View source
Central Bank publishes the 30-year/age-75 rule and 10-year repair-tenure cap.
Source
Cent Home Loan
Page / section
Max. Loan Tenor
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Processing and documentation fee0.50% of loan amount plus GST, capped at ₹20,000; Central Bank publishes a full processing-fee waiver through 31 December 2026. Documentation is ₹1,350 plus GST.View source
The page publishes the percentage, cap, temporary waiver and documentation charge.
Source
Cent Home Loan
Page / section
Processing Charges and Documentation Charges
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
SecurityEquitable mortgage of the residential property being financed.View source
Central Bank states the financed residential property is secured by equitable mortgage.
Source
Cent Home Loan
Page / section
Security
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Interest rateThe page links to Central Bank's latest interest-rate table rather than stating a standalone percentage.View source
The rate section directs users to the latest rate table.
Source
Cent Home Loan
Page / section
Rate of Interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR calculation on the reviewed Cent Home Loan page.View source
The page links the latest interest rate but does not publish an calculation.
Source
Cent Home Loan
Page / section
Complete rate review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Prepayment / foreclosure chargeNot published on the reviewed Cent Home Loan page.View source
The reviewed page publishes processing and documentation charges but no prepayment figure.
Source
Cent Home Loan
Page / section
Complete fee and foreclosure review
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkNot named on the reviewed page; the rate section links to Central Bank's current interest-rate table.View source
No named benchmark is shown in the page text.
Source
Cent Home Loan
Page / section
Rate of Interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Purchase, construct, repair, renovate or take over a home loan
  • Up to 90% for loans up to ₹30 lakh
  • Tenure up to 30 years or age 75, whichever is earlier
  • Processing-fee waiver published through 31 December 2026

Eligibility

  • Individual(s) over 18 with steady income; a close-relative co-borrower may be used when the property holder has no independent income.

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

Documents the bank lists

  • , income and property documents required by Central Bank; documentation charge ₹1,350 plus is published

Related official documents

Cent Home Loanofficial-product-page · current · accessed 6 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

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 Loan · Amount / 90% up to ₹30 lakh; 80% to ₹75 lakh; 75% above ₹75 lakh

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

Source: Central Bank Retail Loans catalogue · Housing, personal and gold loan product 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 · 3 rows · 5 columnsCentral Bank retail loan termsNumerical and eligibility terms transcribed from Central Bank's current official loan pages.View tableHide table

Scroll sideways to view every column

Central Bank retail loan terms
ProductAmount / TenureFeesSecurity
Cent Home Loan 90% up to ₹30 lakh; 80% to ₹75 lakh; 75% above ₹75 lakhUp to 30 years or age 75; repairs up to 10 years0.50% + , max ₹20,000; waiver through 31 Dec 2026; documentation ₹1,350 + Equitable mortgage
Cent Personal Loan24× gross salary, max ₹20 lakh; minimum gross salary ₹1.80 lakh/year84 in multiples of 121.00% + ; defence nil; documentation ₹270/₹450 + Employer undertaking or guarantor
Cent Gold Loan₹10,000–₹60 lakh; 68%–78%; margin 22%–32%12 months bulletNil up to ₹5 lakh; 0.30% + above, max ₹5,000; nil prepaymentPledge of eligible gold
  • Interest rates are linked to Central Bank's latest rate table; the reviewed pages do not state standalone .
Central Bank Retail Loans catalogue · Housing, personal and gold loan product pages · accessed 6 Sept 2026Open official source ↗

More from Central Bank of India

Related products

Cent Combo Vehicle Scheme

Combined home-loan and vehicle facility for existing Central Bank home-loan customers with a two-year satisfactory repayment history.

View product

Cent Vidyarthi Executive MBA Loan

Education loan for or Executive at listed premier management institutes, with ₹50 lakh finance, nil margin and no collateral or third-party guarantee.

View product

Cent Go Green Vehicle Scheme

Term loan for a new electric two-wheeler or four-wheeler for personal use, with income-based finance, 10%/20% margin and repayment up to 72 or 96 months.

View product

Cent Gold Loan Scheme

Bullet-repayment demand loan against eligible 18/20/22-karat jewellery or bank-sold gold coins, from ₹10,000 to ₹60 lakh with 68%–78% .

View product