Personal, home, vehicle & other loans

Cent Grih Lakshmi

Women-focused home-loan variant where the woman is the sole or first borrower and must be named in the property.

Scheme validityScheme valid through 31 March 2027; all other Cent Home Loan terms apply.EligibilityWoman must be the sole borrower or first named borrower, and her name must appear in the property.Loan typeCent Grih Lakshmi uses the underlying Cent Home Loan facility; the variant page does not define a separate facility type.

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✓ Manually checked 6 Sept 2026 · active

Offered byCentral Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

EligibilityWoman must be the sole borrower or first named borrower, and her name must appear in the property.View source

The page publishes the sole/first borrower and property-name rules.

Source: Cent Grih Lakshmi
Page / section: Eligibility
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Scheme validityScheme valid through 31 March 2027; all other Cent Home Loan terms apply.View source

The page gives the validity date and incorporates Cent Home Loan terms.

Source: Cent Grih Lakshmi
Page / section: Validity and terms
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Loan typeCent Grih Lakshmi uses the underlying Cent Home Loan facility; the variant page does not define a separate facility type.View source

The page says all other Cent Home Loan terms and conditions apply.

Source: Cent Grih Lakshmi
Page / section: All other terms
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

BenchmarkThe Cent Grih Lakshmi page links the latest Central Bank rate table but does not name a benchmark.View source

No benchmark is named on the variant page.

Source: Cent Grih Lakshmi
Page / section: Rate of interest
Accessed: 6 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Women-first ownership and borrowing structure
All Cent Home Loan terms apply
Scheme validity published through 31 March 2027
Processing-fee waiver published through 31 December 2026

Eligibility

The woman must be sole borrower or first named borrower and her name must appear in the property.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

, income and property documents as required for Cent Home Loan

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees

Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees

Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Cent Home Double Plus · Eligibility / limitAge 18+; regular identified income

This value is copied from Central Bank retail-loan variants. Check the table notes before relying on it.

Source: Central Bank retail-loan catalogue · Housing, education and loan-against-property variant pages Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 4 rows · 5 columnsCentral Bank retail-loan variantsPublished numerical terms transcribed from each official variant page.View tableHide table

Scroll sideways to view every column

Central Bank retail-loan variants
Product	Eligibility / limit	Tenure or validity	Fees	Security / special terms
Cent Home Double Plus	Age 18+; regular identified income	Cent Home terms apply	0.50% + , max ₹20,000; waiver through 31 Dec 2026; documentation ₹1,350 +	Equitable mortgage; overdraft; guarantee waived for salaried and up to ₹20 lakh for self-employed/others
Cent Grih Lakshmi	Woman sole/first borrower; woman named in property	Valid through 31 Mar 2027	0.50% + , max ₹20,000; waiver through 31 Dec 2026	All Cent Home terms apply
Cent Vidyarthi	Indian national admitted to recognised higher study; max ₹2 crore; margin 0–15%	15 years after course + 1-year moratorium	Rate linked to latest table; up to 1% concession if interest serviced	cover up to ₹4 lakh; collateral above ₹7.50 lakh; student life cover
Cent Mortgage	Age 21+; gross annual income ₹12 lakh; ₹5 lakh–₹7.50 crore	Term 180 months; renewal 120 months	1% + max ₹50,000 term; 0.5% max ₹5,000 renewal; documentation ₹2,500/₹5,000	Mortgage of eligible self-occupied residential property; thresholds

Numeric rates and are not embedded on these pages; each links the bank's latest rate table.

Central Bank retail-loan catalogue · Housing, education and loan-against-property variant pages · accessed 6 Sept 2026Open official source ↗

Cent Grih Lakshmi

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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