Central Bank of India Home Loan Interest Rate — 16th September 2026

Q: How long can a Central Bank of India home loan run?

Central Bank of India publishes a maximum term of 30 years , with an age condition of 18 to 75. On ₹50 lakh at 7.00%, stretching to the full term costs ₹33,265 a month, against ₹44,941 over 15 years.

Q: How much is the monthly EMI on ₹50 lakh at Central Bank of India?

At 7.00%, ₹50 lakh costs ₹38,765 a month over 20 years, or ₹44,941 over 15 years. At the top of Central Bank of India’s range, 9.25%, the 20-year EMI is ₹45,793.

Public sector bank

Here’s the home loan interest rate Central Bank of India charges, taken from its own website on 16 September 2026: from 7.00% to 9.25%. We’ve set out the card as published, what decides where you land within it, and the EMI at each end.

Starting rate

7.00%

Top of published range

9.25%

Benchmark

RBLR 8.25%

Effective from

Not published

Read from Central Bank of India’s own website on 16 September 2026. Source and method

Central Bank of India home loan interest rate card

By scheme

Read this first

The 7.00% floor is Cent Grih Lakshmi, the bank’s scheme for women borrowers. The general Cent Home floor is 7.20%.

Scheme	Pricing	Rate
Cent Grih Lakshmi (for women borrowers)	Repo + 1.75% to Repo + 3.00%	7.00% – 8.25%
Cent Home	RBLR − 1.05% to RBLR + 0.50%	7.20% – 8.75%
Cent Home Loan for 3rd / 4th / 5th house	RBLR − 0.55% to RBLR + 1.00%	7.70% – 9.25%
Cent Home Double Plus	RBLR + 0.10% to RBLR + 0.90%	8.35% – 9.15%

Central Bank publishes a range per scheme and no credit-score grid.

What Central Bank of India’s interest rate card tells you

Central Bank’s 7.00% headline belongs to Cent Grih Lakshmi, its home loan scheme for women, priced at best at repo plus 1.75%. Unless you qualify for that scheme, the row that applies is Cent Home, which starts at 7.20% and runs to 8.75%. The bank also prices property count openly: a loan for a third, fourth or fifth house starts 0.50% above Cent Home. Most of its rates are quoted against its own RBLR, 8.25% today — the repo rate plus 3.00% — so they move with the RBI repo rate.

On its starting rate, Central Bank of India ranks joint 1st of the 48 lenders we track, and joint 1st of 11 public sector banks. Measured against the RBI repo rate of 5.25%, Central Bank of India’s floor carries a spread of 1.75 points. That range isn’t academic: on ₹50 lakh for 20 years it’s the difference between ₹38,765 and ₹45,793 a month.

EMI at Central Bank of India’s home loan interest rate

EMI at 7.00%, Central Bank of India’s published floor. Where a loan size has its own guide on BankCreds, the amount links to it.

Loan amount	10 years	15 years	20 years	25 years	20 yrs at 9.25%
₹25 lakh	₹29,027	₹22,471	₹19,382	₹17,669	₹22,897
₹40 lakh	₹46,443	₹35,953	₹31,012	₹28,271	₹36,635
₹60 lakh	₹69,665	₹53,930	₹46,518	₹42,407	₹54,952
₹90 lakh	₹1,04,498	₹80,895	₹69,777	₹63,610	₹82,428

Reducing-balance EMI, before processing fees and insurance. Run your own numbers →

Central Bank of India against lenders priced nearby

How Central Bank of India’s floor compares with the four closest on our list — same ₹50 lakh, 20-year loan throughout, so the EMIs line up.

Lender	Published rate	EMI, ₹50 lakh / 20 yrs	vs Central Bank of India
Central Bank of India Public sector bank	7.00% – 9.25%	₹38,765	—
Bank of Maharashtra Public sector bank	7.00% – 9.65%	₹38,765	same
HSBC Foreign bank	7.00% – 8.10%	₹38,765	same
Indian Overseas Bank Public sector bank	7.10% – 8.20%	₹39,066	+₹301/mo
Canara Bank Public sector bank	7.15% – 10.00%	₹39,216	+₹451/mo

All 48 lenders → Filter and compare → Lowest rates →

What moves your rate at Central Bank of India

If a woman in your household can be the borrower, ask Central Bank whether the loan qualifies for Cent Grih Lakshmi, whose floor is 7.00% against 7.20% for Cent Home.
Start by matching your purchase to the right scheme. On a card organised by product, the same borrower can be quoted very different rates depending on whether the loan is booked as a standard purchase, a plot, an improvement or a top-up.
A bigger down payment helps at almost every lender: it lowers the loan-to-value ratio and the loan size at once, and both feed into pricing.

Central Bank of India home loan fees and charges

Processing fee	0.50% of the loan amount, minimum ₹2,500, maximum ₹20,000, plus GST. Takeover loans pay ₹2,500. On a ₹50 lakh loan, that comes to ₹20,000, before GST.
Prepayment and foreclosure	Central Bank of India doesn’t state its prepayment policy on the pages we read. RBI rules bar foreclosure and part-prepayment charges on floating-rate loans to individual borrowers for non-business purposes, so a floating-rate home loan can be prepaid free wherever you borrow.
Documentation	₹1,350 plus GST

Central Bank is advertising a full processing-fee waiver until 31 December 2026. Documentation charges of ₹1,350 plus GST apply separately.

Source: Central Bank of India’s own schedule of charges, read on 16 September 2026: https://centralbank.bank.in/en/node/417

Central Bank of India home loan eligibility

Who can apply	Individuals with a steady income, including people working in agriculture. A property owner without their own income can add an earning close relative as co-borrower.
Age	18 to 75
Longest term	30 years

Source: Central Bank of India’s home loan page, read on 16 September 2026. Meeting these criteria doesn’t guarantee approval. https://centralbank.bank.in/en/node/417

Central Bank of India home loan interest rate — common questions

What home loan interest rate does Central Bank of India charge?

As of 16 September 2026, Central Bank of India’s own rate page quotes 7.00% at the low end and 9.25% at the top. No effective date is given. Where you land depends on your application.

How much does Central Bank of India charge to process a home loan?

0.50% of the loan amount, minimum ₹2,500, maximum ₹20,000, plus GST. Takeover loans pay ₹2,500. On a ₹50 lakh loan, that comes to ₹20,000, before GST. Central Bank is advertising a full processing-fee waiver until 31 December 2026. Documentation charges of ₹1,350 plus GST apply separately.

How long can a Central Bank of India home loan run?

Central Bank of India publishes a maximum term of 30 years, with an age condition of 18 to 75. On ₹50 lakh at 7.00%, stretching to the full term costs ₹33,265 a month, against ₹44,941 over 15 years.

What sets my home loan rate at Central Bank of India?

Central Bank of India publishes its rates by scheme. For example — Cent Grih Lakshmi (for women borrowers): Repo + 1.75% to Repo + 3.00% · 7.00% – 8.25%; Cent Home: RBLR − 1.05% to RBLR + 0.50% · 7.20% – 8.75%; Cent Home Loan for 3rd / 4th / 5th house: RBLR − 0.55% to RBLR + 1.00% · 7.70% – 9.25%. The full card is reproduced above.

How much is the monthly EMI on ₹50 lakh at Central Bank of India?

At 7.00%, ₹50 lakh costs ₹38,765 a month over 20 years, or ₹44,941 over 15 years. At the top of Central Bank of India’s range, 9.25%, the 20-year EMI is ₹45,793.

Is the Central Bank of India home loan interest rate floating or fixed?

The home loan interest rate Central Bank of India publishes is floating. Central Bank of India quotes its home loan rates against RBLR, currently 8.25% (repo 5.25% + 3.00%). When the benchmark moves, floating rates linked to it move with it; the spread Central Bank of India adds for your profile generally stays the same.

How does Central Bank of India compare with Bank of Maharashtra?

Bank of Maharashtra publishes home loans from 7.00%, against 7.00% at Central Bank of India — the same starting rate. Starting rates alone won’t separate them. Compare the full rate cards and get a written quote from each before deciding.

Where these figures come from

Source: Central Bank of India’s own interest rate page, read by BankCreds on 16 September 2026: https://centralbank.bank.in/en/retail-scheme-interest

Central Bank of India publishes no effective date for this rate, so we don’t show one.

We began recording Central Bank of India’s home loan rates on 16 September 2026, and any change will be logged against that date as we detect it. Fees and eligibility come from Central Bank of India’s own schedule of charges and home loan pages, with the full address printed in those sections — never from third-party sites.

Rates are what Central Bank of India publishes, not an offer: the rate you’re quoted is set by Central Bank of India after it assesses your application. How we collect and check rates →