Central Bank of India Home Loan
Interest rates from 7.1% p.a. (up to 9.15%) · EMI from ₹33,602/month on a ₹50L loan over 30 years. Rates as of June 2026.
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About Central Bank of India home loans
Among the lowest-priced PSU lenders, advertising repo-linked floating rates from ~7.10%.
Central Bank home loan EMI table (7.1% p.a.)
Monthly EMI at Central Bank's minimum rate. Tap any amount for the full breakdown.
How much interest will a Central Bank loan cost?
A ₹50 lakh Central Bank home loan at 7.1% over 20 years means about ₹43.76 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.
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Frequently Asked Questions
What is the Central Bank of India home loan interest rate in 2026?
Central Bank of India offers home loans starting at 7.1% p.a., going up to 9.15% 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 Central Bank home loan?
At 7.1% p.a., a ₹50 lakh Central Bank home loan has an EMI of about ₹39,066 for 20 years — roughly ₹33,602 for 30 years and ₹45,221 for 15 years. Use the NestSaver calculator for your exact amount.
What is the processing fee and maximum tenure for a Central Bank home loan?
Central Bank of India's processing fee is Varies, 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 Central Bank home loan?
Yes. RBI rules prohibit prepayment penalties on floating-rate home loans, so you can prepay a Central Bank 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 Central Bank of India before applying. NestSaver is an information and planning service, not a lender.