Disclaimer: Centrum Housing 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 Nivara Home Finance for home loans. No offers/services from Nivara Home Finance are being provided by Paisabazaar for home loans. For further information about Nivara Home Finance for home loans, users are required to reach out directly to Nivara Home Finance.
| Centrum Home Finance – Highlights – 2025 | |
| Interest Rate | 11% – 17% p.a. |
| Loan Amount | Rs. 3 Lakhs to Rs. 60 lakhs |
| Loan Tenure | Up to 20 years |
Note: Interest rates are as of 4 April 2025.
Centrum Home Finance Interest Rates
| For Salaried Individuals | 11% to 14.5% p.a. |
| For Self Employed Professional | 12.5% to 17% p.a. |
| Self Employed Non Professionals | 12.5% to 17% p.a. |
Compare Interest Rates of Home Loans for Top Banks & HFCs
| Name of Lender | Loans Up to Rs. 30 Lakh | Loans Above Rs. 30 Lakh to Rs. 75 Lakh | Loans Above Rs. 75 Lakh | |
| SBI | 8.00%-9.15% p.a. | 8.00%-9.15% p.a. | 8.00%-9.15% p.a. | Check Eligibility |
| HDFC Bank Limited | 8.70% p.a. onwards | 8.70% p.a. onwards | 8.70% p.a. onwards | Check Eligibility |
| Bajaj Housing Finance | 7.99%-17.00% | 7.99%-17.00% | 7.99%-17.00% | Check Eligibility |
| ICICI Bank | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| Axis Bank | 8.75%-12.80% p.a. | 8.75%-12.80% p.a. | 8.75%-9.65% p.a. | Check Eligibility |
| Federal Bank | 8.80% p.a. onwards | 8.80% p.a. onwards | 8.80% p.a. onwards | Check Eligibility |
| Punjab National Bank | 8.05% - 9.85% p.a. | 8.00% - 9.75% p.a. | 8.00% - 9.75% p.a. | Check Eligibility |
| Kotak Mahindra Bank | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Bank of Baroda | 8.40% - 10.40% p.a. | 8.40% - 10.40% p.a. | 8.40% - 10.65% p.a. | Check Eligibility |
| Canara Bank | 8.00% – 10.75% p.a. | 7.95% – 10.75% p.a. | 7.90% – 10.65% p.a. | Check Eligibility |
| IDFC FIRST Bank | 8.85% p.a. onwards | 8.85% p.a. onwards | 8.85% p.a. onwards | Check Eligibility |
| IDBI Bank | 8.40% p.a. onwards | 8.40% p.a. onwards | 8.40% p.a. onwards | Check Eligibility |
| Punjab & Sind Bank | 8.30% – 11.50% p.a. | 8.30% – 11.50% p.a. | 8.30% – 11.50% p.a. | Check Eligibility |
| RBL Bank | 9.00% p.a. onwards | 9.00% p.a. onwards | 9.00% p.a. onwards | Check Eligibility |
| LIC Housing Finance | 8.00% p.a. onwards | 8.00% p.a. onwards | 8.00% p.a. onwards | Check Eligibility |
| Tata Capital Housing Finance | 8.75% p.a. onwards | 8.75% p.a. onwards | 8.75% p.a. onwards | Check Eligibility |
| PNB Housing Finance | 8.50% - 14.50% p.a. | 8.50% - 14.50% p.a. | 8.50%-11.45% p.a. | Check Eligibility |
| Sammaan Capital (Formerly known as Indiabulls Housing Finance) | 8.75% onwards | 8.75% onwards | 8.75% onwards | Check Eligibility |
| Aditya Birla Capital | 8.60% onwards | 8.60% onwards | 8.60% onwards | Check Eligibility |
| India Shelter Home Loan | 11.59% onwards | 11.59% onwards | 11.59% onwards | Check Eligibility |
| L&T Finance Limited | 8.65% p.a. onwards | 8.65% p.a. onwards | 8.65% p.a. onwards | Check Eligibility |
| Godrej Housing Finance | 8.55% onwards | 8.55% onwards | 8.55% onwards | Check Eligibility |
| Home First Finance | 11.90% onwards | 11.90% onwards | 11.90% onwards | Check Eligibility |
| Easy Home Finance | 8.95% onwards | 8.95% onwards | 8.95% onwards | Check Eligibility |
| Piramal Capital Housing Finance | 9.50% onwards | 9.50% onwards | 9.50% onwards | Check Eligibility |
| Cholamandalam Investment and Finance | 10.50% onwards | 10.50% onwards | 10.50% onwards | Check Eligibility |
Types of Home Loans offered by Centrum Housing Finance
Find below the home loan products offered by Centrum Home Finance for its customers to meet all of their housing requirements:
Home Loan (Purchase/Resale)
Purpose: To acquire a ready or under construction residential property. The company also provides home loans transfer facility availed by the customers from other banks and HFCs.
Loan Amount: Rs. 3 Lakh – Rs. 60 Lakh
Loan Tenure: Up to 20 years
Home Improvement Loan
Purpose: The company offers loan for home improvement to its customers, as it helps in completing the internal and external repairs, as well as structural improvements in their existing homes.
Loan Amount: Rs. 2 Lakh – Rs. 10 Lakhs
Loan Tenure: Up to 10 years
Home Extension Loan / Home Construction Loan
Purpose: Home Extension Loan helps in the extension of an existing home, whether it may be an additional room, larger bathroom, partition, separation, terrace work, balcony closure, etc.
Loan Amount: Rs. 3 Lakhs – Rs. 60 Lakh
Loan Tenure: Up to 20 years.
Centrum Home Finance Home Loan EMI Calculator
Monthly EMI ₹ 15,622
Total Amount Payble ₹ 5,62,395(Principal + interest)
Principal Amount ₹ 5,00,000
Total Interest Payble ₹ 62,395
Centrum Home Finance Customer Care
Toll Free Number: 1800-103-6324
email: query.chfl@centrum.co.in
Centrum Home Loan Eligibility Criteria
Although the lender has not disclosed the role of factors like their loan applicant’s age, monthly income, creditworthiness, financial stability, repayment capacity, loan security, work experience, employment profile, etc. in determining their home loan eligibility criteria, most lenders offering home loans consider these factors while evaluating the eligibility of their home loan applicants.
Fees and Charges
| Particulars | Charges |
| Login Fee | Up to Rs. 5000 + applicable charges |
| Processing Fee | Rs. 2000 + applicable charges |
| Administration Charges | 1%-3% of the loan amount |
| Part payment charges | 5% of the principal prepaid + applicable taxes |
| Full pre-payment of loan | 5% of the principal prepaid + applicable taxes |
| Cheque/NACH mandate | Rs. 500 + applicable taxes |
| CERSAI charges | As per schedule of charges |
| Loan Cancellation Charges | Rs. 500 + applicable charges |
Documents Required for Centrum Home Finance
While Centrum Home Finance has not provided any specific documentation for home loans, some of the most important home loan documents required by various HFCs are mentioned below:
- KYC related documents of the applicant and co-applicant
- Proof of Address: Passport, Voter ID, PAN card, etc.
- Proof of Income (Lates salary slips, Last year ITR, GST returns, etc.)
- Property papers
- Business Address Proof, if any