Login
DDA logo
Delhi development
AuthorityOfficial Partner
Madha logo
  • Products
    • Home Loan
    • Loan Against Property
    • Balance Transfer
    • Home Loan Top Up
    • Plot Loan
    • Home Construction Loan
    • NRI Home Loan
    • Home Repair Loan
  • Tools
    • EMI Calculator
    • Balance Transfer Calculator
  • Partners
    • DSA
    • Builder / Channel Partner
  • About Us
  • Blogs
  • DDA logo
    Delhi development
    AuthorityOfficial Partner
    Madha logo

Loading...

Please wait while we prepare your content

Central Bank Of India Home Loan vs HDFC Bank Home Loan Home Loan Comparison | Ambak

The hdfc vs central bank of india home loan comparison: Central Bank of India (4,500+ branches since 1911, PSU) offers Cent Home Loan and Cent Home Double Plus; HDFC Bank (8,000+ branches post HDFC merger, Private) offers HDFC Home Loan, HDFC Reach and HDFC Top-Up. Differences lie in schemes, eligibility, digital experience and customer segments.
Cibil ScoreBetter Interest Rates & Savings
Cibil ScoreRight Features for Your Needs
Cibil ScoreTransparency & Hidden Charges

Get Our Expert Advice

Quick Response • 0% commission

0% Commission • Free Service • Expert Guidance

CheckmarkWe don't spam!

Which banks saves you more?

hdfc vs central bank of india: Central Bank of India offers Cent Home Loan and Cent Home Double Plus with Double Plus built-in top-up and co-applicant income clubbing. HDFC Bank offers HDFC Home Loan, HDFC Reach and HDFC Top-Up with digital sanction with doorstep pickup. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
Ambak Recommended
Central bank of India
Central bank of India
Home Loan
HDFC Bank
HDFC Bank
Home Loan
vs
Home loan comparison between Central bank of India and HDFC Bank
MetricCentral bank of IndiaHDFC Bank
Interest Rate
7.2% – 8.7%
7.2% – 9.5%
Interest Rate
7.2% – 8.7%
7.2% – 9.5%
Processing Fee
0.5% + GST ; Max upto Rs.23,600
0.25% of loan amt. + GST (incld. Login Fee)
Processing Fee
0.5% + GST ; Max upto Rs.23,600
0.25% of loan amt. + GST (incld. Login Fee)
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Max Loan Amount
₹3000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
Min Loan Amount
₹5000 Cr
₹5000 Cr
EMI per Lakh
₹788
₹788
EMI per Lakh
₹788
₹788

Why Choose Central bank of India Home Loan

Central Bank of India is a PSU lender with 4,500+ branches since 1911. Variants include Cent Home Loan and Cent Home Double Plus, designed for salaried buyers and government employees. Key features include Double Plus built-in top-up, co-applicant income clubbing and government-employee concessions. Central Bank of India suits borrowers looking for PSU with integrated top-up Double Plus.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose HDFC Bank Home Loan

HDFC Bank is a Private lender with 8,000+ branches post HDFC merger. Variants include HDFC Home Loan, HDFC Reach and HDFC Top-Up, designed for salaried, self-employed and NRI applicants. Key features include digital sanction with doorstep pickup, balance transfer with top-up and RM for high-ticket files. HDFC Bank suits borrowers looking for established home loan service with quick sanction.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate Central bank of India vs HDFC Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
Central bank of India
Central bank of India
7.2%
EMI
₹ 78,735
Interest
₹ 88,96,400
Total
₹ 1,88,96,400
Your Total Savings
₹ 0
HDFC Bank
HDFC Bank
7.2%
EMI
₹ 78,735
Interest
₹ 88,96,400
Total
₹ 1,88,96,400

Central bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Offers a competitive interest rate starting at just 7.2% per year
  • •Monthly EMI starts at just ₹788 for every lakh borrowed
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.5% + GST ; Max upto Rs.23,600
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

HDFC Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Offers a competitive interest rate starting at just 7.2% per year
  • •Monthly EMI starts at just ₹788 for every lakh borrowed
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare Central bank of India with other banks

Compare HDFC Bank with other banks

Central bank of India Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Offers a competitive interest rate starting at just 7.2% per year
  • •Monthly EMI starts at just ₹788 for every lakh borrowed
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.5% + GST ; Max upto Rs.23,600
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

HDFC Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Offers a competitive interest rate starting at just 7.2% per year
  • •Monthly EMI starts at just ₹788 for every lakh borrowed
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 0.25% of loan amt. + GST (incld. Login Fee)
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

Explore More Bank Comparisons

Bank of Maharashtra
Bank of Maharashtra
Union bank of India
Union bank of India
vs
Interest Rate
7.1% – 9.25% p.a.
Loan Amount
Up to 90%
Interest Rate
7.1% – 10% p.a.
Loan Amount
Up to 90%
Compare Now
State Bank of India
State Bank of India
Punjab National Bank
Punjab National Bank
vs
Interest Rate
7.25% – 9.5% p.a.
Loan Amount
Up to 90%
Interest Rate
7.25% – 9.35% p.a.
Loan Amount
Up to 90%
Compare Now
ICICI Bank
ICICI Bank
Bajaj Housing Finance
Bajaj Housing Finance
vs
Interest Rate
7.5% – 9.5% p.a.
Loan Amount
Up to 90%
Interest Rate
7.2% – 9.5% p.a.
Loan Amount
Up to 90%
Compare Now
Bank of Baroda
Bank of Baroda
UCO Bank
UCO Bank
vs
Interest Rate
7.3% – 9.5% p.a.
Loan Amount
Up to 90%
Interest Rate
7.15% – 9.25% p.a.
Loan Amount
Up to 90%
Compare Now
IDBI Bank
IDBI Bank
L&T Housing Finance
L&T Housing Finance
vs
Interest Rate
7.35% – 10.05% p.a.
Loan Amount
Up to 90%
Interest Rate
7.8% – 9.5% p.a.
Loan Amount
Up to 90%
Compare Now
IDFC First Bank
IDFC First Bank
Kotak Bank
Kotak Bank
vs
Interest Rate
7.8% – 9% p.a.
Loan Amount
Up to 90%
Interest Rate
7.7% – 9.7% p.a.
Loan Amount
Up to 90%
Compare Now
Induslnd Bank
Induslnd Bank
IIFL
IIFL
vs
Interest Rate
8.6% – 10.55% p.a.
Loan Amount
Up to 90%
Interest Rate
8.6% – 12% p.a.
Loan Amount
Up to 90%
Compare Now
Easy Home Finance
Easy Home Finance
Hero Housing Finance
Hero Housing Finance
vs
Interest Rate
10.5% – 15% p.a.
Loan Amount
Up to 85%
Interest Rate
9.5% – 18% p.a.
Loan Amount
Up to 90%
Compare Now

Lower interest rates than your pre-approved offer?

It's more likely than you think. Find the best offer by comparing.

Quick Links

HOMEFOR PARTNERSTERMS AND CONDITIONSPRIVACY POLICYGRIEVANCE REDRESSALCONSENT WITHDRAWALSITEMAP

Cities

PuneNoidaNagpurMumbaiLucknowThaneHyderabadAhmedabadGurgaon

Company

ABOUT USCONTACT US

Tools

EMI CALCULATORBALANCE TRANSFER

Banks

Bank of MaharashtraCentral bank of IndiaUnion bank of IndiaState Bank of IndiaPunjab National BankHDFC BankICICI BankBajaj Housing FinanceView all

Contact Us

Ambak Logo
Rider House, 4th Floor, Plot No. 136,
Sector 44, Gurgaon - 122002,
Haryana
Ambak Facebook HandleAmbak Instagram HandleAmbak LinkedIn HandleAmbak Youtube Handle

Certified By

Certified By
Ambak Facebook HandleAmbak Instagram HandleAmbak LinkedIn HandleAmbak Youtube Handle

Certified By

Certified By

TENB Fintech Private Limited, CIN: U62099HR2023PTC114628, Registered Office: 4th Floor, Rider House, Plot No. 136-P, Sector -44, Gurugram - 122003, Haryana, Tel No - +91-8058058009, Email ID: info@ambak.com

Copyright © 2026 TENB FINTECH PRIVATE LIMITED All rights reserved