Bank of Maharashtra
Union bank of India
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7.1% – 9.25% p.a.
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Loan Amount
Up to 90%
Central Bank Of India Home Loan vs Indian Bank Home Loan Home Loan Comparison | Ambak
The indian bank 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; Indian Bank (6,000+ branches since 1907, PSU) offers IB Home Loan Plus and IB Home Improve. Differences lie in schemes, eligibility, digital experience and customer segments.
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indian bank 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. Indian Bank offers IB Home Loan Plus and IB Home Improve with combo home and furnishing finance. Related search: central bank of india vs indian bank. Choice depends on borrower profile, scheme fit and network reach.
Central bank of India
Home Loan
Ambak Recommended
indian bank
Home Loan
| Metric | Central bank of India | indian bank |
|---|---|---|
 Interest Rate | ||
7.2% – 8.7% 7.15% – 9.65% | ||
 Interest Rate | 7.2% – 8.7% | 7.15% – 9.65% |
 Processing Fee | ||
0.5% + GST ; Max upto Rs.23,600 Rs. 15,000 + GST | ||
 Processing Fee | 0.5% + GST ; Max upto Rs.23,600 | Rs. 15,000 + GST |
 Max LTV | ||
Up to 90% Up to 90% | ||
 Max LTV | Up to 90% | Up to 90% |
 Max Loan Amount | ||
₹3000000 Cr ₹2500000 Cr | ||
 Max Loan Amount | ₹3000000 Cr | ₹2500000 Cr |
 Min Loan Amount | ||
₹5000 Cr ₹5000 Cr | ||
 Min Loan Amount | ₹5000 Cr | ₹5000 Cr |
 EMI per Lakh | ||
₹788 ₹785 | ||
 EMI per Lakh | ₹788 | ₹785 |
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 indian bank Home Loan
Indian Bank is a PSU lender with 6,000+ branches since 1907. Variants include IB Home Loan Plus and IB Home Improve, designed for salaried, government employees and NRI. Key features include combo home and furnishing finance, Home Improve renovation variant and government-employee concessions. Indian Bank suits borrowers looking for combo product for buying and furnishing.
- 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.
Central bank of India Reviews
3.8 / 5(10 reviews)
What people like- •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
- •Repay over up to 30 years to keep your monthly outgo low
- •Can transfer your existing home loan here to save on interest
What people don't like- •Interest rate of 7.2% is slightly higher than indian bank's 7.15%
- •Monthly EMI of ₹788/lakh is ₹3 more than indian bank
- •Self-employed borrowers may face a longer approval process
- •Fewer branches in smaller cities and towns
Reviews summarised from buyer forums and listings; personal site visit recommended.
indian bank Reviews
4.3 / 5(10 reviews)
What people like- •Interest starts at 7.15% — that's cheaper than Central bank of India's 7.2%
- •You pay only ₹785/lakh per month — ₹3 less than Central bank of India
- •Covers up to 90% of the property cost so you don't need a large upfront amount
- •Loans available up to ₹25 Cr
- •Processing fee: Rs. 15,000 + GST
- •Simple paperwork — fewer documents needed compared to most banks
What 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.
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