Rate of Interest for Retail Schemes

RATE OF INTEREST FOR RETAIL SCHEMES

Presently, RBLR = 8.25% [Repo (5.25%) + Spread (3.00%)]

ROI’s in all schemes are linked to RBLR/ Repo

S N

Scheme Name

Rate of Interest (Range)

Present Range^

1.

Cent Grih Lakhsmi Home*

Repo + 1.85% TO Repo + 3.00%

7.10% to 8.25%

2.

Cent Home *

RBLR – 1.05% TO RBLR+0.50%

7.20% to 8.75%

3.

Cent Home Loan for 3rd/ 4^th/ 5^th House*

RBLR – 0.55% TO RBLR + 1.00%

7.70% to 9.25%

4.

Cent Home Double Plus ^@

RBLR + 0.10% TO RBLR + 0.90%

8.35% to 9.15%

5.

Cent Top Up *

RBLR – 0.30% TO RBLR + 1.05%

7.95% to 9.30%

6.

Cent Vehicle (4 Wheeler)*

RBLR – 0.60% TO RBLR + 1.05%

7.65% to 9.30%

7.

Cent Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 3.10%

10.25% to 11.35%

8.

Cent Go Green Vehicle (4 Wheeler)*

RBLR – 0.65% TO RBLR + 1.00%

7.60% to 9.25%

9.

Cent Go Green Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 3.10%

10.25% to 11.35%

10.

Cent EV 2 Wheeler for Females*

RBLR + 0.60% TO RBLR + 1.15%

8.85% to 9.40%

11.

Cent Combo Vehicle*

RBLR – 0.70% TO RBLR + 0.70%

7.55% to 8.95%

12.

Cent Combo Go Green Vehicle*

RBLR – 0.75% TO RBLR + 0.70%

7.50% to 8.95%

13.

Cent Personal^#

RBLR + 3.00% OR RBLR + 3.50%

11.25% OR 11.75%

14.

Pre-Approved Personal Loan

RBLR + 3.50%

11.75%

15.

Cent Pension

RBLR + 2.10%

10.35%

16.

Cent Rental

(i) Loan with Repayment Up to 3 Yrs

RBLR + 2.85%

11.10%

(ii)Loans with Repayment Above 3 Yrs

RBLR + 3.35%

11.60%

17.

Cent Mortgage*

RBLR + 0.40% TO RBLR + 4.00%

8.65% to 12.25%

18.

Cent Gold Loan (Retail/ MSME)

RBLR + 0.25%

8.50%

Cent Gold Loan (Agri)

(i) With Interest Subvention

7% for loans up to Rs. 3.00 Lakh

(ii)For Non -Interest Subvention

6(M) MCLR TO 6(M) MCLR + 0.30%

8.50% - 8.80%

19.

Cent Surya Ghar

1. For loans up to Rs.2 Lakh

2. Home Loan borrower (> Rs.2 Lakh)

3. Non-Home loan borrower (>2 Lakh)

Repo + 0.50%

As per Cent Home loan Scheme

As per Cent Home loan Scheme + 1%

5.75%

7.20% to 8.75%

8.20% to 9.75%

20.

Education Loans under various Categories

	ROI
	REPO/ RBLR + Spread	Effective ROI
Education loans to Students from Institutes:- PM Vidyalaxmi Scheme under AAA Category Other than PM Vidyalaxmi Scheme under AAA Category	Repo+1.50%	6.75%
Education loans to Students from Institutes:- PM Vidyalaxmi Scheme under AA Category Other than PM Vidyalaxmi Scheme under AA Category	Repo+1.70%	6.95%
Education loans to Students from A Category Institutes under PM Vidyalaxmi Scheme	RBLR + 0.50%	8.75%
Education loans to Students Pursuing MBA / Medical / Engineering courses from Reputed Institutes under A category with collateral Security	RBLR-0.35%	7.90%
Education loans to Students Pursuing MBA / Medical / Engineering courses from renowned Institutes under B category with Collateral Security	RBLR+0.95%	9.20%
Education loans to Students Pursuing MBA / Medical / Engineering courses from other popular Institutes under C category with Collateral Security	RBLR+1.25%	9.50%
Cent Vidyarthi Loan for education in Top Rated Management / Engineering / Medical Institutions Abroad under D category with Collateral Security	RBLR+0.95%	9.20%
Cent Vidyarathi- NCGTC Guarantee for Loan up to Rs.7.50 Lakh Female/SC/ST will get 0.50 concession in ROI	RBLR+1.25%	9.50%
Cent Skill	RBLR + 1.50%	9.75%

* Based on CIC Score

@ Based of CIC Score and Internal Risk Rating

# Based on Internal Risk Rating

^ Subject to T & C

Last Updated on 19.05.2026