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Central Bank of India Home Loan Interest Rate November 2026
Central Bank of India advertises home loan rates starting from 7.45% per annum. For ₹50 lakh over 20 years that is an EMI of about ₹40,127 a month.
Source: Central Bank of India official page, checked on November 2026 (2026-11-01).
| Starting interest rate | 7.45% per annum |
| Applies to | Cent Home, 7.45% to 9.00% based on credit score; Cent Grih Lakshmi (women borrowers) from 7.25% |
| Processing fee | Not stated on the page we checked |
| Prepayment | Not stated on the page we checked |
| Maximum tenure | Not stated on the page we checked |
These figures use the bank's advertised starting rate. Most borrowers are offered a higher rate depending on credit score, income and loan size, so treat the result as a best case.
Prepayment options (optional): pay extra to finish sooner
EMI for popular amounts
₹20 lakh for 15 years₹20 lakh for 20 years₹20 lakh for 25 years₹30 lakh for 15 years₹30 lakh for 20 years₹30 lakh for 25 years₹50 lakh for 15 years₹50 lakh for 20 years₹50 lakh for 25 years₹75 lakh for 15 years₹75 lakh for 20 years₹75 lakh for 25 years₹1 crore for 15 years₹1 crore for 20 years₹1 crore for 25 years
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Home loan calculators
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Frequently asked questions
What is the Central Bank of India home loan interest rate?
Central Bank of India's website advertises home loan rates starting from 7.45% per annum (checked 2026-11-01). The rate you get depends on your credit score, income and loan amount.
What is the EMI on a ₹50 lakh home loan from Central Bank of India?
At the starting rate of 7.45% over 20 years the EMI is about ₹40,127 a month, with total interest of about ₹46,30,464. A higher personal rate would raise this.
What is the processing fee for a Central Bank of India home loan?
The Central Bank of India page we checked did not state a processing fee. Please confirm it with the bank's fee schedule before applying.
Does Central Bank of India charge prepayment charges on a home loan?
The page we checked did not state prepayment terms. Please confirm with the bank.