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Personal, home, vehicle & other loans

Cent Mortgage

Loan against a self-occupied residential property for personal needs, from ₹5 lakh to ₹7.5 crore with term-loan tenure up to 180 months.

Finance rangeMinimum ₹5 lakh and maximum ₹7.50 crore.Maximum amountMaximum finance ₹7.50 crore.TenureTerm loan up to 180 months; existing reducing-balance overdraft renewal up to 120 months.
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Quick eligibility check

Cent Mortgage

0 of 6 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.

1Does your annual income meet this requirement: Minimum gross annual income ₹12 lakh?

Published source: Minimum income

2Does your age meet this requirement: Minimum age 21?

Published source: Age and borrower type

3Does your age meet this requirement: Term loan must mature by age 75 or retirement for salaried applicants?

Published source: Age and borrower type

4Are you this type of customer: Target group is salaried individuals, professionals and self-employed persons?

Published source: Age and borrower type

5Does your age meet this requirement: term loan must end by age 75 or retirement for salaried applicants?

6Document checkDo you have this required document or proof: KYC, income, employment and property title documents; documentation ₹2,500 up to ₹50 lakh and ₹5,000 above?

Published source: Age and borrower type
0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 6 Sept 2026 · active
Offered byCentral Bank of India

Metro and urban branches; semi-urban branches in Goa as published

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 ↗
Minimum incomeMinimum gross annual income ₹12 lakh.View source
Central Bank publishes the ₹12 lakh minimum.
Source
Cent Mortgage
Page / section
Income
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Finance rangeMinimum ₹5 lakh and maximum ₹7.50 crore.View source
The page publishes the ₹5 lakh to ₹7.50 crore quantum.
Source
Cent Mortgage
Page / section
Quantum of finance
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
TenureTerm loan up to 180 months; existing reducing-balance overdraft renewal up to 120 months.View source
Central Bank publishes separate term-loan and overdraft-renewal tenors.
Source
Cent Mortgage
Page / section
Maximum tenor
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Age and borrower typeMinimum age 21. Term loan must mature by age 75 or retirement for salaried applicants. Target group is salaried individuals, professionals and self-employed persons.View source
The page publishes the age, retirement and borrower-group rules.
Source
Cent Mortgage
Page / section
Target group and eligibility
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
SecurityEquitable or registered mortgage of a non-encumbered, self-occupied residential property in eligible metro/urban centres or semi-urban Goa. Agricultural land, vacant plots, commercial/industrial property and inherited/gift/partition-deed property are excluded; spouse property is acceptable only when spouse is co-borrower.View source
The property-security section lists eligible locations, exclusions and spouse condition.
Source
Cent Mortgage
Page / section
Security
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Minimum CIC scoreSalaried: CIBIL/Equifax 725 or -1, CRIF 725 or -1, Experian 716 or -1. Professional/self-employed: CIBIL/Equifax 750, CRIF 750, Experian 731.View source
Central Bank publishes the complete score table by borrower type.
Source
Cent Mortgage
Page / section
Minimum requirement
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
Maximum amountMaximum finance ₹7.50 crore.View source
The page publishes maximum finance of Rs. 750 Lakh.
Source
Cent Mortgage
Page / section
Quantum of finance
Accessed
6 Sept 2026
Confidence
high
Open official source ↗
BenchmarkThe Cent Mortgage page links the latest Central Bank rate table but does not name a benchmark.View source
No benchmark is named on the page.
Source
Cent Mortgage
Page / section
Rate of interest
Accessed
6 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹5 lakh minimum to ₹7.5 crore maximum
  • Minimum gross annual income ₹12 lakh
  • Term loan up to 180 months
  • Existing overdraft renewals may run up to 120 months
  • Published thresholds by borrower type

Eligibility

  • Minimum age 21; term loan must end by age 75 or retirement for salaried applicants. Only non-encumbered self-occupied residential property is accepted.

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

Documents the bank lists

  • , income, employment and property title documents; documentation ₹2,500 up to ₹50 lakh and ₹5,000 above

Related official documents

Cent Mortgageofficial-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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