MathMyLoan Free call back
Home loan starting ratesBank of Maharashtra 7.25%Indian Bank 7.35%Canara Bank 7.40%PNB 7.45%Central Bank 7.45%SBI 7.50%Federal Bank 7.50%Kotak 7.60%IDFC FIRST 7.75%Axis Bank 8.00%ICICI Bank 8.50%HDFC Bank 8.50%

Home › Personal Loan › Central Bank of India

Central Bank of India Personal Loan Interest Rate November 2026

Updated 2 November 2026Rates from official bank websitesHow we check rates

Central Bank of India advertises personal loan rates starting from 11.5% per annum. For ₹5 lakh over 3 years that is an EMI of about ₹16,488 a month.

Starting rate11.5%per annum
EMI per month₹16,488₹5 lakh, 3 years
Total interest₹93,568over the full term
Max tenuren/aas stated by the bank

Central Bank personal loan rates and charges

Starting interest rate11.5% per annum
Applies toCent Personal: RBLR + 3.00% or + 3.50% depending on internal risk rating
Processing feeNot stated on the page we checked
PrepaymentNot stated on the page we checked
Maximum tenureNot stated on the page we checked

Source: Central Bank of India official page, checked 2 November 2026.

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.

Central Bank personal loan EMI calculator

Prepayment options (optional): pay extra to finish sooner

Apply or get a call back for a Central Bank of India personal loan

Share your details and a partner lender or loan advisor may call you. No fee from us.

Shared only with partner lenders or loan advisors, and only with your consent.

₹2 lakh for 2 years₹2 lakh for 3 years₹2 lakh for 5 years₹5 lakh for 2 years₹5 lakh for 3 years₹5 lakh for 5 years₹10 lakh for 2 years₹10 lakh for 3 years₹10 lakh for 5 years

Compare Central Bank of India with other banks

Central Bank vs Union BankCentral Bank vs Indian BankCentral Bank vs Canara BankCentral Bank vs ICICI BankCentral Bank vs HDFC BankCentral Bank vs Axis BankCentral Bank vs IDFC FIRSTCentral Bank vs SBICentral Bank vs Bank of MaharashtraCentral Bank vs PNBCentral Bank vs Bank of BarodaCentral Bank vs KotakCentral Bank vs Federal Bank

Frequently asked questions

What is the Central Bank of India personal loan interest rate?

Central Bank of India's website advertises personal loan rates starting from 11.5% per annum (checked 2026-11-02). The rate you get depends on your credit score, income and loan amount.

What is the EMI on a ₹5 lakh personal loan from Central Bank of India?

At the starting rate of 11.5% over 3 years the EMI is about ₹16,488 a month, with total interest of about ₹93,568. A higher personal rate would raise this.

What is the processing fee for a Central Bank of India personal 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 personal loan?

The page we checked did not state prepayment terms. Please confirm with the bank.

EligibilityFree call back