Bank of Maharashtra
Union bank of India
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%
Central Bank Of India Home Loan vs Sbi Home Loans Home Loan Comparison | Ambak
The central bank of india vs sbi home loan comparison: Central Bank of India (4,500+ branches since 1911, PSU) offers Cent Home Loan and Cent Home Double Plus; SBI (22,000+ branches, 50+ crore customers, PSU) offers SBI Home Loan, Realty, Privilege and Shaurya. Differences lie in schemes, eligibility, digital experience and customer segments.
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central bank of india vs sbi: 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. SBI offers SBI Home Loan, Realty, Privilege and Shaurya with women-borrower concession. Related search: sbi vs central bank of india. Choice depends on borrower profile, scheme fit and network reach.
Ambak Recommended
Central bank of India
Home Loan
State Bank of India
Home Loan
| Metric | Central bank of India | State Bank of India |
|---|---|---|
 Interest Rate | ||
7.2% – 8.7% 7.25% – 9.5% | ||
 Interest Rate | 7.2% – 8.7% | 7.25% – 9.5% |
 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 ₹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 ₹791 | ||
 EMI per Lakh | ₹788 | ₹791 |
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 State Bank of India Home Loan
SBI is a PSU lender with 22,000+ branches, 50+ crore customers. Variants include SBI Home Loan, Realty, Privilege and Shaurya, designed for salaried, women, defence and government employees. Key features include women-borrower concession, YONO digital onboarding and OD-linked SBI Maxgain. SBI suits borrowers looking for wide PSU network and scheme variety.
- 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
4.3 / 5(10 reviews)
What people like- •Interest starts at 7.2% — that's cheaper than State Bank of India's 7.25%
- •You pay only ₹788/lakh per month — ₹3 less than State Bank of India
- •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
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.
State 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: Rs.15,000 + GST
- •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 7.25% is slightly higher than Central bank of India's 7.2%
- •Monthly EMI of ₹791/lakh is ₹3 more than Central bank of India
- •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.
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