Cent Bank Home Finance Home Loan

Disclaimer: Cent Bank Home Finance is not a Paisabazaar partner and all content herein is strictly informative in nature. Paisabazaar is not affiliated with, sponsored by or in any way connected to Cent Bank Home Finance for home loans. No offers/services from Cent Bank Home Finance are being provided by Paisabazaar for home loans. For further information about Cent Bank Home Finance for home loans, users are required to reach out directly to Cent Bank Home Finance.

Cent Bank Home Finance Home Loan Highlights – 2025
Interest Rates	10% p.a. onwards
Loan Amount	Up to Rs 2 crore
Tenure	Up to 30 years

Rates as of 8 April 2025

Cent Bank Home Finance Home Loan Interest Rates

Existing Programs

Income Based Program

CIBIL Score	Interest Rate (p.a.)
800-850	10.00%
750-799	10.10%
700-749	10.20%
650-699	11.35%

Income Estimation Program

CIBIL Score	Interest Rate (p.a.)
800-850	10.35%
750-799	10.85%
700-749	11.35%
650-699	12.35%

Low LTV Program

CIBIL Score	Interest Rate (p.a.)
800-850	10.35%
750-799	10.85%
700-749	11.35%
650-699	12.35%

Post Pension Program

CIBIL Score	Interest Rate (p.a.)
800-850	10.35%
750-799	10.85%
700-749	11.35%
650-699	11.85%

Affordable Income Group Program

CIBIL Score	Interest Rate (p.a.)
800-850	10.60%
750-799	11.10%
700-749	11.85%
650-699	12.85%

New Programs

GST Turnover Program (GTP)

CIBIL Score	Interest Rate (p.a.)
800-850	10.85%
750-799	11.10%
700-749	11.35%
650-699	11.60%

Banking Surrogate Program (BSP)

CIBIL Score	Interest Rate (p.a.)
800-850	10.85%
750-799	11.10%
700-749	11.35%
650-699	11.60%

Repayment Track Record Programme (RTRP)

CIBIL Score	Interest Rate (p.a.)
800-850	10.85%
750-799	11.10%
700-749	11.35%
650-699	11.60%

Gross Receipts Programme (GRP)

CIBIL Score	Interest Rate (p.a.)
800-850	10.85%
750-799	11.10%
700-749	11.35%
650-699	11.60%

Note: Rates updated as of 8 April 2025.

Types of Cent Bank Home Loan Schemes

Cent Income Based Program

Purpose: Consumers can avail Cent Income Based Program for purchase and construction of new home, for making improvements and extension to existing properties, for purchase of residential plot and for plot purchase plus construction thereon.

Existing home loan borrowers of other banks and HFCs can avail Cent Income Based Home Loan Program to transfer their existing home loans to Cent Bank Home Finance at lower interest rates. Existing home loan borrowers of Cent Bank Home Finance can also this home loan facility to top-up over and above their existing home loans.

Loan Amount: Rs 2 lakh onwards

Margin:

Loan Amount	Margin
Up to Rs 30 lakh	10%
Rs 30 lakh to Rs 75 lakh	20%
Above Rs 75 lakh	25%

Tenure: Up to 30 years

Security: Mortgage of the property being financed

Cent Low LTV Program

Purpose: Borrowers who have invested more in property and require less funds can avail Cent Low LTV Program for home purchase, construction, extension or improvement. This loan facility can also be availed for plot purchase plus construction, plot purchase, balance transfer from other lenders and top-up to existing home loans.

Loan Amount: Min. Rs 2 lakh and Max. Rs 2 crore

Margin: 60% Flat

Tenure: Up to 30 years

Cent Post Pension Program

Purpose: Cent Bank Home Finance offers Post Pension Program to pensioners or Government/ PSU employees on the verge of retirement. Such individuals can avail this home loan facility for purchasing/constructing home properties, for improving/extending existing home properties, purchasing residential plots, transferring existing home loans from other lenders at lower interest rates and for additional loan amount over and above existing home loans.

Loan Amount: Rs 2 lakh to Rs 2 crore

Margin:

Loan Amount	Margin
Up to Rs 30 lakh	10%
Rs 30 lakh to Rs 75 lakh	20%
Above Rs 75 lakh	25%

Tenure: Maximum age at the time of loan maturity should be 80 years

Cent Income Estimation Program

Purpose: Professionals or Self-employed Non-professionals can avail Cent Income Estimation Program for purchase or construction of house/flat, carrying out extension/improvement of existing properties, plot purchase, balance transfer from other home loan lenders at lower interest rates and for plot purchase and home construction thereon. Professionals and self-employed non-professionals can also avail Cent Income Estimation Program to top-up their existing home loans.

Loan Amount: Rs 2 lakh to Rs 1 crore

Margin:

Loan Amount	Margin
Up to Rs 30 lakh	10%
Rs 30 lakh to Rs 75 lakh	20%
Above Rs 75 lakh	25%

Tenure: Up to 30 years

Cent Affordable Housing Fund

Purpose: Individuals having annual household income of up to Rs 6 lakh can avail Affordable Housing Fund from Cent Bank Home Finance for purchase/construction of house, making improvement or extension to existing properties and for purchase of plot plus house construction thereon. The rate of interest shall be fixed for initial 7 years

Eligibility criteria for availing Cent Bank Home Finance

• Salaried Individuals/Professional/Self-employed Non-professionals/NRIs are eligible for Cent Bank Home Loan.
• Individuals employed with Government/PSUs or similar organizations who are entitled for monthly pension can avail Cent Home Loans under Cent Post Pension Program.

For Cent Affordable Housing Loan

• Individuals living in urban areas should have an annual household income of up to Rs 6 lakh.
• Weaker sections as defined by RBI, women and individuals living in rural areas having an annual income of up to Rs 3 lakh are eligible for Cent Affordable Housing Loans.

Documents Required for availing Cent Bank Home Finance

• Salary slip
• Form 16
• Income Tax Returns

Cent Bank Home Finance Fees and Charges

Particulars	Charges
Login Fees	Rs 5,000
Processing Fee	As per sanction terms
Statement of account	Rs 200
Premature closure or Prepayment charges	For Floating Rates- NIL For Fixed Rates- NIL if paid from own sources or 3% on the prepaid amount
Loan Pre-closure Statement	Rs 500
Cheque dishonour charges	1st bounce- Rs 500 2nd bounce onwards- Rs 750
Conversion of Interest Rates	2% of principal outstanding
Sanction Revalidation Charges	Rs 1,000
EMI reset charges	Rs 1,000
Satisfaction/Cancellation of charge	Rs 500
Property Inspection Charges	Rs 1,000
Document Retrieval Charges	Rs 2,500
Photocopy of Title Deeds	Rs 1,000