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 typeTerm top-up loan for personal needs of existing Central Bank housing-loan customers; speculative, real-estate and capital-market uses are excluded.View source
The page specifies personal-purpose term top-up finance for existing home-loan holders.
- Source
- Cent Top Up Scheme
- Page / section
- Purpose and facility
- Accessed
- 6 Sept 2026
- Confidence
- high
EligibilityIndividuals with a Central Bank housing-loan account may apply singly or jointly; NRI borrowers must join with a resident Indian relative. The housing loan must have run for at least one or two years after repayment began following moratorium.View source
The page states existing-loan, and seasoning conditions.
- Source
- Cent Top Up Scheme
- Page / section
- Eligibility
- Accessed
- 6 Sept 2026
- Confidence
- high
Finance rangeMinimum ₹2 lakh and maximum ₹10 crore.View source
The quantum row publishes ₹2 lakh minimum and ₹1,000 lakh maximum.
- Source
- Cent Top Up Scheme
- Page / section
- Quantum of loan
- Accessed
- 6 Sept 2026
- Confidence
- high
Maximum amount₹10 crore; minimum ₹2 lakh.View source
The page gives the minimum and maximum quantum.
- Source
- Cent Top Up Scheme
- Page / section
- Quantum of loan
- Accessed
- 6 Sept 2026
- Confidence
- high
Repayment tenureRepayment cannot exceed the remaining period of the underlying housing loan under its original sanction.View source
The page ties top-up repayment to the underlying loan's remaining original period.
- Source
- Cent Top Up Scheme
- Page / section
- Repayment
- Accessed
- 6 Sept 2026
- Confidence
- high
SecurityExtension of the equitable mortgage or charge over the primary housing-loan security.View source
The security row requires extension of the existing primary charge.
- Source
- Cent Top Up Scheme
- Page / section
- Security
- Accessed
- 6 Sept 2026
- Confidence
- high
Processing and documentation fee0.50% of loan amount plus GST, capped at ₹20,000; full processing-fee waiver through 31 December 2026. Documentation ₹450 plus GST.View source
The fee rows publish the percentage, cap, waiver and documentation charge.
- Source
- Cent Top Up Scheme
- Page / section
- Processing and documentation charges
- Accessed
- 6 Sept 2026
- Confidence
- high
Minimum incomeNo minimum income amount is published; eligibility is based on an existing Central Bank housing loan and repayment history.View source
The complete page gives existing-loan conditions but no income threshold.
- Source
- Cent Top Up Scheme
- Page / section
- Eligibility
- Accessed
- 6 Sept 2026
- Confidence
- high
Minimum CIC scoreTransUnion CIBIL, Experian, Equifax and CRIF: 700.View source
The page publishes a 700 minimum for each listed .
- Source
- Cent Top Up Scheme
- Page / section
- Minimum score
- Accessed
- 6 Sept 2026
- Confidence
- high
Interest rateNot published as a standalone percentage; the page links Central Bank's latest interest-rate table.View source
The rate link is provided without a numeric rate.
- Source
- Cent Top Up Scheme
- Page / section
- Rate of interest
- Accessed
- 6 Sept 2026
- Confidence
- high
APRNot published as a separate APR calculation on the reviewed page.View source
No calculation is shown.
- Source
- Cent Top Up Scheme
- Page / section
- Complete rate review
- Accessed
- 6 Sept 2026
- Confidence
- high
Prepayment / foreclosureNot published on the reviewed page.View source
The complete page contains no prepayment or foreclosure row.
- Source
- Cent Top Up Scheme
- Page / section
- Complete fee and foreclosure review
- Accessed
- 6 Sept 2026
- Confidence
- high
BenchmarkThe page links the latest Central Bank rate table but does not name a benchmark.View source
No named benchmark appears on the page.
- Source
- Cent Top Up Scheme
- Page / section
- Rate of interest
- Accessed
- 6 Sept 2026
- Confidence
- high
Geographic limitsIndividuals with a Central Bank housing-loan account may apply singly or jointly; NRI borrowers must join with a resident Indian relative. The housing loan must have run for at least one or two years after repayment began following moratorium.View source
The manually reviewed product record states: “Individuals with a Central Bank housing-loan account may apply singly or jointly; borrowers must join with a resident Indian relative. The housing loan must have run for at least one or two years after repayment began following moratorium.”.
- Source
- Cent Top Up Loan — official product page
- Page / section
- Published product metadata
- Accessed
- 6 Sept 2026
- Confidence
- high
Benefits and features
- ₹2 lakh minimum and ₹10 crore maximum
- Available after one or two years following start of repayment after moratorium
- Repayment cannot exceed underlying housing-loan remaining period
- Processing-fee waiver published through 31 December 2026
- threshold 700 across four bureaus
Eligibility
- Existing Central Bank housing-loan account holders may apply singly or jointly; applicants must join with a resident Indian relative as defined in policy.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- , existing housing-loan records, income and security-extension documents; documentation charge ₹450 plus
Related official documents
Cent Top Up Schemeofficial-product-page · current · accessed 6 Sept 2026
↗