Central Bank of India Loan interest rates · November 2026
- Every rate from the bank's own page, with a link to it
- No referral fees, no ads, no “apply now”
- Checked 15 Nov 2026
What will my home loan cost at Central?
The lowest rate in each band goes to the bank's best-placed borrowers. Before charges and insurance; a floating rate moves with the bank's benchmark.
Central loan interest rates
Every band the bank publishes, a year. The lowest rate in each band goes to its best-placed borrowers.
Bank's page ↗ · Checked 15 Nov 2026
| Loan and borrower | From | Up to | Linked to | Effective on | Source |
|---|---|---|---|---|---|
Home loan Cent Grih Lakhsmi Home* |
7.25% | 8.50% | Repo + 1.75% TO Repo + 3.00% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Cent Home * |
7.45% | 9.00% | RBLR – 1.05% TO RBLR+0.50% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Cent Home Double Plus @ |
8.60% | 9.40% | RBLR + 0.10% TO RBLR + 0.90% | Not stated ✓ verified 15 Nov 2026 |
|
Home loan Cent Home Loan for 3rd/ 4 th / 5 th House* |
7.95% | 9.50% | RBLR – 0.55% TO RBLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Loan against property Cent Mortgage* |
8.90% | 12.50% | RBLR + 0.40% TO RBLR + 4.00% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Combo Go Green Vehicle (4-W)* |
7.75% | 9.20% | RBLR – 0.75% TO RBLR + 0.70% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Combo Vehicle (4-Wheeler)* |
7.80% | 9.20% | RBLR – 0.70% TO RBLR + 0.70% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Go Green Vehicle (4-Wheeler)* |
7.85% | 9.50% | RBLR – 0.65% TO RBLR + 1.00% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Shakti Drive Green* |
7.75% | 9.05% | RBLR – 0.75% TO RBLR + 0.55% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Shakti Drive* |
7.80% | 9.05% | RBLR – 0.70% TO RBLR + 0.55% | Not stated ✓ verified 15 Nov 2026 |
|
Car loan Cent Vehicle (4-Wheeler)* |
7.90% | 9.55% | RBLR – 0.60% TO RBLR + 1.05% | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan Cent EV 2-Wheeler for Females* |
9.10% | 9.65% | RBLR + 0.60% TO RBLR + 1.15% | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan Cent Go Green Vehicle (2-Wheeler)* |
10.50% | 11.60% | RBLR + 2.00% TO RBLR + 3.10% | Not stated ✓ verified 15 Nov 2026 |
|
Two-wheeler loan Cent Vehicle (2-Wheeler)* |
10.50% | 11.60% | RBLR + 2.00% TO RBLR + 3.10% | Not stated ✓ verified 15 Nov 2026 |
|
Gold loan Cent Gold Loan (Retail) |
8.75% | 8.75% | RBLR + 0.25% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Cent Skill |
10.00% | 10.00% | RBLR + 1.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Cent Vidyarathi- NCGTC Guarantee for Loan up to Rs.7.50 Lakh Female/SC/ST will get 0.50 concession in ROI |
9.75% | 9.75% | RBLR+1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Cent Vidyarthi Loan for education in Top Rated Management / Engineering / Medical Institutions Abroad under D category w |
9.45% | 9.45% | RBLR+0.95% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students from A Category Institutes under PM Vidyalaxmi Scheme |
9.00% | 9.00% | RBLR + 0.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students from Institutes:- PM Vidyalaxmi Scheme under AA Category Other than PM Vidyalaxmi Scheme und |
7.20% | 7.20% | Repo+1.70% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students from Institutes:- PM Vidyalaxmi Scheme under AAA Category Other than PM Vidyalaxmi Scheme un |
6.95% | 6.95% | Repo+1.50% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students Pursuing MBA / Medical / Engineering courses from other popular Institutes under C category |
9.75% | 9.75% | RBLR+1.25% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students Pursuing MBA / Medical / Engineering courses from renowned Institutes under B category with |
9.45% | 9.45% | RBLR+0.95% | Not stated ✓ verified 15 Nov 2026 |
|
Education loan Education loans to Students Pursuing MBA / Medical / Engineering courses from Reputed Institutes under A category with c |
8.15% | 8.15% | RBLR-0.35% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Cent Personal # |
11.50% | 12.00% | RBLR + 3.00% OR RBLR + 3.50% | Not stated ✓ verified 15 Nov 2026 |
|
Personal loan Pre-Approved Personal Loan |
12.00% | 12.00% | RBLR + 3.50% | Not stated ✓ verified 15 Nov 2026 |
How Central compares
Each bank's lowest published rate, and what the same loan would cost a month there. Before charges.
Home loan · EMI on ₹50 lakh over 20 years
Loan against property · EMI on ₹30 lakh over 15 years
Car loan · EMI on ₹8 lakh over 5 years
Two-wheeler loan · EMI on ₹1.5 lakh over 3 years
Gold loan · EMI on ₹2 lakh over 1 years
Education loan · EMI on ₹10 lakh over 7 years
The rates Central's loans are linked to
A floating loan's rate is one of these plus a spread fixed when you borrow. When it moves, your EMI or your term moves at the next reset.
MCLR by reset period · from 10 Nov 2026
| Reset period | Compared | MCLR |
|---|---|---|
| Overnight | 7.65% | |
| 1 month | 7.70% | |
| 3 months | 8.50% | |
| 6 months | 8.70% | |
| 1 year | 8.85% |
A loan on MCLR resets at the end of its period, most often one year, to the MCLR then plus its spread. If yours is still on MCLR, you can ask to move it to the repo-linked rate.
| Older benchmark | Rate | Effective from |
|---|---|---|
| Base rate | 9.10% | 10 Mar 2026 |
Loans taken before April 2016 may still be linked to these.
Official Checked 15 Nov 2026 · Bank's page 1 · Bank's page 2
Central loans: frequently asked questions
What is the Central home loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes home loan rates of 7.25% to 9.50% a year (floating). The lowest, 7.25%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central loan against property interest rate?
As of 15 Nov 2026, Central Bank of India publishes loan against property rates of 8.90% to 12.50% a year (floating). The lowest, 8.90%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central car loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes car loan rates of 7.75% to 9.55% a year (floating). The lowest, 7.75%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central two-wheeler loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes two-wheeler loan rates of 9.10% to 11.60% a year (floating). The lowest, 9.10%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central gold loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes gold loan rates of 8.75% a year (floating). The lowest, 8.75%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central education loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes education loan rates of 6.95% to 10.00% a year (floating). The lowest, 6.95%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the Central personal loan interest rate?
As of 15 Nov 2026, Central Bank of India publishes personal loan rates of 11.50% to 12.00% a year (floating). The lowest, 11.50%, is for: . The rate you are offered depends on your credit score, income and the loan amount.
What is the EMI on a ₹50 lakh home loan from Central?
At Central's lowest published rate of 7.25%, a ₹50 lakh home loan over 20 years costs about ₹39,519 a month, or ₹44,84,512 in interest over the loan. Charges and insurance are extra.
Are Central loans linked to the repo rate?
Yes. Central Bank of India states its floating home loan rates as the RBI repo rate plus a spread (Repo + 1.75% TO Repo + 3.00%). When the RBI changes the repo rate, the rate on these loans changes at the next reset.
What is Central's MCLR?
Central Bank of India's 1-year MCLR is 8.85%, effective 10 Nov 2026. Loans taken between 2016 and 2019 and many business loans are linked to it.
Is Central cheaper than other banks for a home loan?
Of the 8 banks we read for home loans, Central's lowest published rate (7.25%) ranks first, the lowest. Compare the charges as well as the rate.
Does RateScan get paid by Central?
No. We take no referral fees, show no ads and don't take loan applications. Every figure is read from the bank's own page, which is linked from every row.
More Central rates
Loan rates at other banks
How we collect loan rates
From the bank's own pages. Every figure is read from the lending-rate page the bank publishes, and links back to it. Benchmarks are re-read every day.
A published rate is not an offer. Banks set your rate from your credit score, income, the loan amount and the property or vehicle. We show the range the bank publishes; "7.60% onwards" means the bank gave no top figure.
Benchmark plus spread. A floating loan's rate is the bank's benchmark (its repo-linked rate, or MCLR for older loans) plus a spread fixed when you borrow. When the benchmark moves, your rate moves with it at the next reset.
The EMI is worked out on a reducing balance with monthly instalments: EMI = P × r × (1 + r)n ÷ ((1 + r)n − 1), where r is the yearly rate ÷ 12 and n the number of months. It leaves out processing charges and insurance.
No referral fees. We don't take loan applications or get paid by lenders, so the order is the order.
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