Rate of Interest for Retail Schemes

RATE OF INTEREST FOR RETAIL SCHEMES

Presently, RBLR = 8.50% [Repo (5.50%) + 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 Home *

RBLR – 0.85% TO RBLR+0.40%

7.65% to 8.90%

2.

Cent Grih Lakhsmi Home*

Repo + 1.85% TO Repo + 3.00%

7.35% to 8.50%

3.

Cent Home Loan for 3rd/ 4th House*

RBLR – 0.10% TO RBLR + 0.80%

8.40% to 9.30%

4.

Cent Home Double Plus ^@

RBLR + 0.20% TO RBLR + 0.90%

8.70% to 9.40%

5.

Cent Top Up *

RBLR – 0.70% TO RBLR + 0.50%

7.80% to 9.00%

6.

Cent Vehicle (4 Wheeler)*

RBLR – 0.60% TO RBLR + 0.95%

7.90% to 9.45%

7.

Cent Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 2.80%

10.50% to 11.30%

8.

Cent Go Green Vehicle (4 Wheeler)*

RBLR – 0.65% TO RBLR + 0.90%

7.85% to 9.40%

9.

Cent Go Green Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 2.80%

10.50% to 11.30%

10.

Cent EV 2 Wheeler for Females*

RBLR + 0.60% TO RBLR + 1.15%

9.10% to 9.65%

11.

Cent Combo Vehicle*

RBLR – 0.70% TO RBLR + 0.60%

7.80% to 9.10%

12.

Cent Combo Go Green Vehicle*

RBLR – 0.75% TO RBLR + 0.60%

7.75% to 9.10%

13.

Cent Personal^#

Pre Approved Personal Loan (PAPL)

RBLR + 2.55% OR RBLR + 3.30%

RBLR + 2.50%

11.05% OR 11.80%

11.00%

14.

Cent Pension

RBLR + 1.40%

9.90%

15.

Cent Rental

(i) Loan with Repayment Up to 3 Yrs

RBLR + 2.80%

11.30%

(ii)Loans with Repayment Above 3 Yrs

RBLR + 3.30%

11.80%

16.

Cent Mortgage*

RBLR + 0.40% TO RBLR + 3.75%

8.90% to 12.25%

17.

Cent Gold Loan (Retail/ MSME)

RBLR – 0.60% TO RBLR + 0.40%

7.90% to 8.90%

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–0.30% TO 6(M) MCLR+0.30%

8.45% to 9.05%

18.

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%

6.00%

7.65% to 8.90%

8.65% to 9.90%

19.

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%	7.00%
Education loans to Students from Institutes:- PM Vidyalaxmi Scheme under AA Category Other than PM Vidyalaxmi Scheme under AA Category	Repo+1.70%	7.20%
Education loans to Students from A Category Institutes under PM Vidyalaxmi Scheme	RBLR + 0.50%	9.00%
Education loans to Students Pursuing MBA / Medical / Engineering courses from Reputed Institutes under A category with collateral Security	RBLR-0.35%	8.15%
Education loans to Students Pursuing MBA / Medical / Engineering courses from renowned Institutes under B category with Collateral Security	RBLR+0.95%	9.45%
Education loans to Students Pursuing MBA / Medical / Engineering courses from other popular Institutes under C category with Collateral Security	RBLR+1.25%	9.75%
Cent Vidyarthi Loan for education in Top Rated Management / Engineering / Medical Institutions Abroad under D category with Collateral Security	RBLR+0.95%	9.45%
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%	9.75%
Cent Skill	RBLR + 1.50%	10.00%

* Based on CIC Score

@ Based of CIC Score and Internal Risk Rating

# Based on Internal Risk Rating

^ Subject to T & C

Last Updated on 10.06.2025