RATE OF INTEREST FOR RETAIL SCHEMES

RATE OF INTEREST FOR RETAIL SCHEMES

Presently, RBLR = 9.00% [Repo (6.00%) + 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+0.15%

8.15% to 9.15%

2.

Cent Grih Lakhsmi Home*

Repo + 1.85% TO Repo + 2.75%

7.85% to 8.75%

3.

Cent Home Loan for 3rd/ 4th House*

RBLR TO RBLR + 0.50%

9.00% to 9.50%

4.

Cent Home Double Plus ^@

RBLR TO RBLR + 0.45%

9.00% to 9.45%

5.

Cent Top Up *

RBLR – 0.35% TO RBLR + 0.35%

8.65% to 9.35%

6.

Cent Vehicle (4 Wheeler)*

RBLR – 0.65% TO RBLR + 0.80%

8.35% to 9.80%

7.

Cent Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 2.80%

11.00% to 11.80%

8.

Cent Go Green Vehicle (4 Wheeler)*

RBLR – 0.65% TO RBLR + 0.80%

8.35% to 9.80%

9.

Cent Go Green Vehicle (2 Wheeler)*

RBLR + 2.00% TO RBLR + 2.80%

11.00% to 11.80%

10.

Cent EV 2 Wheeler for Females*

RBLR + 0.60% TO RBLR + 1.15%

9.60% to 10.15%

11.

Cent Combo Vehicle*

RBLR – 0.75% TO RBLR + 0.10%

8.25% to 9.10%

12.

Cent Personal^#

RBLR + 2.65% OR RBLR + 3.40%

11.65% OR 12.40%

13.

Cent Pension

RBLR + 1.60%

10.60%

14.

Cent Rental

(i) Loan with Repayment Up to 3 Yrs

RBLR + 2.80%

11.80%

(ii)Loans with Repayment Above 3 Yrs

RBLR + 3.30%

12.30%

15.

Cent Mortgage*

RBLR + 0.40% TO RBLR + 3.65%

9.40% to 12.65%

16.

Cent Gold Loan (Retail/ MSME)

RBLR – 0.95% TO RBLR + 0.15%

8.05% to 9.15%

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%

8.55% to 9.15%

17.

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%

6.50%

8.15% to 9.15%

9.15% to 10.15%

18.

Cent Skill

RBLR + 1.50%

10.50%

19.

Education Loans under various Categories

	ROI
	REPO/ RBLR + Spread	Effective ROI
Education loans to Students Pursuing MBA from IIMs & other Premier Institutes under AAA Category Up to 20 Lakh >20 Lakh	Repo+1.55% Repo+1.60%	7.55% 7.60%
Education loans to Students Pursuing MBA/Engineering courses (Under Cent Tech Vidyarthi) from IITs & other Premier Management Institutes & under AA category	Repo+1.70%	7.70%
Education loans to Students Pursuing MBA / Medical / Engineering courses from Reputed Institutes under A category with collateral Security	RBLR-0.35%	8.65%
Education loans to Students Pursuing MBA / Medical / Engineering courses from renowned Institutes under B category with Collateral Security	RBLR+0.95%	9.95%
Education loans to Students Pursuing MBA / Medical / Engineering courses from other popular Institutes under C category with Collateral Security	RBLR+1.25%	10.25%
Cent Vidyarthi Loan for education in Top Rated Management / Engineering / Medical Institutions Abroad under D category with Collateral Security	RBLR+0.95%	9.95%
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%	10.25%

* Based on CIC Score

@ Based of CIC Score and Internal Risk Rating

# Based on Internal Risk Rating

^ Subject to T & C

Last Updated on 10.04.2025