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Zero Hidden Charges
Hassle Free and Fast Approval Process
Personalized Loan Assistance
Exciting CashbacksCentral Bank of India home loan rates start at 7.45% p.a. and go up to 9.00%. Floating rates are linked to the bank's RBLR 8.50%. Effective: 8 Oct 2026. The RBI raised the repo rate by 25 bps to 5.50% on 7 October 2026; existing repo-linked loans move at their next reset date.
| Borrower / slab | Interest rate (p.a.) |
|---|---|
| All borrowers | 7.45% – 9.00% |
| Cent Home | 7.45%–9.00% |
| Cent Grih Lakshmi (women) | 7.25%–8.50% |
| Women borrowers | Cent Grih Lakshmi (women): 7.25%–8.50% |
Source: Central Bank of India official rate page, checked 26 Oct 2026. The rate you are offered depends on your credit score, loan amount and income type.
| Loan amount | 20 years at 7.45% | 30 years at 7.45% | 20 years at 9.00% |
|---|---|---|---|
| ₹25 lakh | ₹20,063 | ₹17,395 | ₹22,493 |
| ₹50 lakh | ₹40,127 | ₹34,790 | ₹44,986 |
| ₹75 lakh | ₹60,190 | ₹52,185 | ₹67,479 |
| ₹1 crore | ₹80,254 | ₹69,579 | ₹89,973 |
| ₹1.5 crore | ₹1,20,381 | ₹1,04,369 | ₹1,34,959 |
| Item | Value |
|---|---|
| Processing fee | 0.50% + GST (Ambak panel) |
| Minimum loan amount | ₹5 lakh (Ambak panel) |
| Maximum loan amount | ₹30 crore (Ambak panel) |
| Lender | Interest rate (p.a.) | Effective |
|---|---|---|
| Bank of Baroda | 7.40% – 9.15% | 8 Oct 2026 |
| Canara Bank | 7.40% – 10.25% | 9 Oct 2026 |
| Union Bank of India | 7.40% – 9.60% | 8 Oct 2026 |
| Central Bank of India | 7.45% – 9.00% | 8 Oct 2026 |
| Punjab National Bank | 7.45% – 9.35% | RLLR 8.35% w.e.f. 8 Oct 2026; festive rates 1 Oct–31 Dec 2026 |
| State Bank of India | from 7.50% | 15 Oct 2026 |
| Kotak Mahindra Bank | from 7.60% | — |
| Axis Bank | 8.00% – 9.10% | — |
| HDFC Bank | 8.00% – 13.45% | — |
| ICICI Bank | 8.75% – 9.90% | 8 Oct 2026, valid till 31 Oct 2026 |
All rates from each bank's official rate page, checked 26 Oct 2026.
Zero Hidden ChargesHassle Free and Fast Approval ProcessPersonalized Loan AssistanceExciting Cashbacks
