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Personal, home, vehicle & other loans

Cent Home Double Plus Scheme

Home loan with an overdraft facility for construction, purchase or extension, allowing surplus deposits to reduce interest while retaining withdrawal flexibility.

TenureThe variant adopts all other Cent Home Loan terms; a separate numerical tenure is not published on this variant page.Loan typeCent Grih Lakshmi uses the underlying Cent Home Loan facility; the variant page does not define a separate facility type.BenchmarkThe reviewed variant page links Central Bank's latest interest-rate table but does not name a benchmark.
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Quick eligibility check

Cent Home Double Plus Scheme

0 of 4 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you have a regular source of income?

Published source: Eligibility

2Does your age meet this requirement: applicant must be at least 18 years old?

Published source: Eligibility

3Do you meet this requirement: Applicant must be at least 18?

4Document checkDo you have this required document or proof: KYC, income and property documents; documentation charge ₹1,350 plus GST?

Published source: Eligibility
0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ 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.

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 ↗
EligibilitySalaried employees, self-employed persons, professionals and others with legal, identified and regular income; applicant must be at least 18 years old.View source
Central Bank publishes both the 18-year minimum and eligible income groups.
Source
Cent Home Double Plus Scheme
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Security and guaranteeEquitable mortgage of the financed residential property; the property must be adequately insured. Guarantee is waived for salaried applicants; for self-employed/others, no guarantee is required up to ₹20 lakh, with specified close relatives allowed as co-applicant above that amount.View source
The page publishes mortgage, insurance and guarantee concessions.
Source
Cent Home Double Plus Scheme
Page / section
Security, insurance and guarantee
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
TenureThe variant adopts all other Cent Home Loan terms; a separate numerical tenure is not published on this variant page.View source
The page states that all other Cent Home Loan terms and conditions apply.
Source
Cent Home Double Plus Scheme
Page / section
Others / Cent Home Loan terms
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkThe reviewed variant page links Central Bank's latest interest-rate table but does not name a benchmark.View source
No named benchmark appears on the reviewed variant pages; the current rate table is linked instead.
Source
Central Bank retail-loan variant rate review
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo single minimum income amount is published on the reviewed Cent Home Double Plus variant page; it requires a legal, identified and regular income source.View source
The page describes regular income but gives no minimum amount.
Source
Cent Home Double Plus Scheme
Page / section
Eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Home-loan overdraft facility for cash-flow management
  • Guarantee waived for salaried applicants
  • No guarantee for self-employed/others up to ₹20 lakh
  • Processing-fee waiver published through 31 December 2026

Eligibility

  • Applicant must be at least 18; salaried, self-employed, professional and other applicants with legal, identified and regular income are listed.

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

Documents the bank lists

  • , income and property documents; documentation charge ₹1,350 plus

Related official documents

Cent Home Double Plus Schemeofficial-product-page · current · accessed 6 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

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

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

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
ProductEligibility / limitTenure or validityFeesSecurity / special terms
Cent Home Double PlusAge 18+; regular identified incomeCent Home terms apply0.50% + , 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 LakshmiWoman sole/first borrower; woman named in propertyValid through 31 Mar 20270.50% + , max ₹20,000; waiver through 31 Dec 2026All Cent Home terms apply
Cent VidyarthiIndian national admitted to recognised higher study; max ₹2 crore; margin 0–15%15 years after course + 1-year moratoriumRate 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 MortgageAge 21+; gross annual income ₹12 lakh; ₹5 lakh–₹7.50 croreTerm 180 months; renewal 120 months1% + max ₹50,000 term; 0.5% max ₹5,000 renewal; documentation ₹2,500/₹5,000Mortgage 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 ↗

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