Cent Bank Home Finance Home Loan
Interest rates from 10% p.a. (up to 11.5%) · EMI from ₹43,879/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Cent Bank Home Finance home loans
Central Bank of India-promoted HFC with a low capped processing fee.
Cent Bank HF home loan EMI table (10% p.a.)
Monthly EMI at Cent Bank HF's minimum rate. Tap any amount for the full breakdown.
How much interest will a Cent Bank HF loan cost?
A ₹50 lakh Cent Bank HF home loan at 10% over 20 years means about ₹65.80 L in total interest — on top of the ₹50 lakh you borrowed. Prepaying even ₹10,000/month can cut years off the loan and save several lakh in interest.
See your prepayment savings →Compare Cent Bank HF with other lenders →
Cent Bank HF home loan by city
Compare Cent Bank HF with similar lenders
| Lender | Min Rate | ₹50L · 20yr EMI |
|---|---|---|
| Cent Bank HF (this page) | 10% | ₹48,251 |
| Repco | 9.5% | ₹46,607 |
| Piramal | 9.5% | ₹46,607 |
| CSB | 9.69% | ₹47,229 |
| Jana SFB | 9.75% | ₹47,426 |
| JM Financial | 10% | ₹48,251 |
| Equitas SFB | 10.5% | ₹49,919 |
Get the lowest rate on your Cent Bank HF home loan
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Frequently Asked Questions
What is the Cent Bank Home Finance home loan interest rate in 2026?
Cent Bank Home Finance offers home loans starting at 10% p.a., going up to 11.5% p.a. depending on your CIBIL score, loan amount, and income profile. Rates are as of June 2026; confirm the current rate with the lender before applying.
What is the EMI for a ₹50 lakh Cent Bank HF home loan?
At 10% p.a., a ₹50 lakh Cent Bank HF home loan has an EMI of about ₹48,251 for 20 years — roughly ₹43,879 for 30 years and ₹53,730 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Cent Bank HF home loan?
Cent Bank Home Finance's processing fee is 0.50% (max ₹20,000), with a maximum tenure of 30 years and funding of up to 90% of the property value (loan-to-value).
Is prepayment allowed on a Cent Bank HF home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Cent Bank HF home loan partially or fully at any time. The NestSaver prepayment simulator shows exactly how much interest and time you save.
Disclaimer: Interest rates shown are indicative, sourced as of June 2026, and the lowest published floating rate is typically reserved for borrowers with high credit scores. Actual rates depend on your profile, loan amount, and the property, and change frequently. Always confirm the current rate directly with Cent Bank Home Finance before applying. NestSaver is an information and planning service, not a lender.