CENTRAL BANK OF INDIA

RETAIL BANKING DEPARTMENT

RETAIL ADVANCES
ANNEXURE IV

S.N
o.

1.

2.

3.

(Rate of Interest w.e.f. 01.11.2013) Present BR = 10.25%

Effectiv
Base
Spread
e Rate
Rate
%
Processing
Scheme
%
%
Charges
(a+b)=
(a)
(b)
(c)
Cent Home Loan Scheme
i) upto Rs.30 lakh
10.25
+0
10.25
Complete
waiver of
ii) above Rs.30 lakh & < Rs.75
10.25
+ 0
10.25
lakh
Processing
iii) Rs.75 lakh & above
10.25
+ 0.25
10.50
Charges till
31.03.2014
Cent Home Loan Plus Rate of Interest as
applicable to Banks Existing Housing Loan Scheme in
case of renovation.
Rs.500/- per
The rate of interest will be 1% more than the rate of
proposal
existing housing loan in case of refurbishment ,
buying of furniture, television, home theater etc.
Special Housing Loan Scheme Employees of
Central / State Governments & PSUs of Central
0.50 % of loan
Government Cent Home Loan Scheme.
amount,
maximum
i) up to Rs.75 lakh
Rs.20,000/10.25
+0
10.25
ii) Rs.75 lakh & above

4.

5.

6.

7.
8.

10.25

+ 0.25

10.50

Processing Fee is waived in the cases where the employees are maintaining salary
account with our Bank. Processing Fee is also waived in cases where the salary
disbursement account is with other Banks as per the arrangement of Central
Government Department, provided the borrower government employee gives
standing instruction to the concerned Bank to transfer the entire salary credit to his
savings account with our Bank.
Cent Home CRGFTLIH
(For Low Income Group with
10.25
0.10
10.35
No Processing
Guarantee Cover)
Charges
No Processing
Loan to Pensioner
10.25
+ 2.00
12.25
Charges
0.15% of loan
amt, min. Rs.
10.25
+ 2.00
12.25
Cent Swabhimaan
500/- and max.
Rs.10,000/0.15% of loan
amt, min. Rs.
Cent Swabhimaan Plus
10.25
+ 1.50
11.75
500/- and max.
Rs.10,000/Personal Loan to Corporate
10.25
+ 3.50
13.75
Complete
Employees
waiver of
Processing

9.

Personal Loan to Non

Corporate Employees

10.25

+ 4.50

14.75

10.

Loan to Teachers

10.25

+ 2.75

13.00

Scheme

Base
Rate
%
(a)

Spread
%

a) Two Wheeler (New only)

10.25

+ 0.40

10.65

b) Four Wheeler - New vehicles

10.25

+ 0.40

10.65

c) Four Wheeler (Second

hand/old)

10.25

+ 1.50

11.75

S.N
o.

(b)

Effectiv
e Rate
%
(a+b)=
(c)

Charges till
31.03.2014
Complete
Waiver of
Processing
Charges if &
only if salary
account is with
our Bank
till31.03.2014
Rs.500/- per
proposal

Processing
Charges

Cent Vehicle

11.

12.

13.

14.

15.

Cent Vehicle- TATA Vehicle:

10.25

+ 0.50

10.75

Cent Vidyarthi - Studies In

India / Abroad

10.25

+ 2.00

12.25

Female / SC/ST/ IIT/IIM Students

10.25

+ 1.50

11.75

10.25

+0.50

10.75

10.25

+0.50

10.75

10.25

+0

10.25

10.25

+0

10.25

10.25

0.50

10.75

10.25

10.25

10.25

1.25

11.50

10.25

+ 3.00

13.25

Special Edn Loan Scheme for

IIM Students
Students without joint
borrower
Students with joint borrower
Female, SC,ST, Minority
Community Students
Executive MBA
Students of IIMs (Male)
Students of
IIMs(Female/SC/ST/MC)
Students of Other Institutions

Cent Trade

Up to Rs.25,000
proposal
>Rs.25,000 up to Rs.2 lakh
proposal.
>Rs.2 lakh upto Rs.500 lakh
amt, maximum
Rs.50,000/-for TL & Rs.20,000/-

Complete waiver
of Processing
Charges till
31.03.2014
Rs.2000/- per
proposal for 4
wheeler

No Processing
Charges

No Processing
Charges

No Processing
Charges

Rs.100/- per
Rs.300/- per
0.50 % of limit

for OD at the time of sanction.

Renewal charges 0.10 % of limit,
max.Rs.5000/-.
Cent Rental
16.

17.
18.

19.

S.N
o.

20.

i) Loan upto 3 years

10.25

+ 3.00

13.25

ii) Loan above 3 years

10.25

+ 3.50

13.75

Cent Liquid

10.25

+ 4.00

14.25

Cent Suvidha

10.25

+ 4.00

14.25

10.25

+ 2.25

12.50

ii) For construction of clinic

10.25

+ 2.50

12.75

Scheme

Base
Rate
%
(a)

Spread
%

10.25

+ 0.50

10.75

10.25

+ 0.50

10.75

10.25

+ 1.75

12.00

10.25

+ 2.00

12.25

Cent Doctor
i) For equipments/working
capital

Cent Dentist(New Dentists)

Upto Rs.10 lakh
i) For equipments/working
capital
ii) For construction of clinic

(b)

Effectiv
e Rate
%
(a+b)=
(c)

1% of the loan
amount subject to
min. of Rs.5,000/and max.
of Rs.2.00 lakh.
1% of loan amt,
min. Rs. 500/No Processing
Charges
0.5% of loan
amount Maximum
Rs.10,000/-

Processing
Charges

0.5% of loan
amount Maximum
Rs.2,000/-

Cent Dentist(Other Dentists)

i) For equipments/working
capital
ii) For construction of clinic

21.

Cent Mortgage

22.

Cent Mortgage-Educational
Institute

10.25

+ 3.50

13.75

10.25

+3.50

13.75

0.5% of loan
amount Maximum
Rs.5,000/50% concession
on processing
charges both on
OD & TL Facility.

0.50% of loan
maximum Rs.20,
000/- for TL and
Rs.10,000/- for OD
on sanction.
OD renewal

charges 0.50% of
loan maximum
Rs.2,000/-.

23.

24.

25.

Cent Personal Gold Loan

Overdraft

10.25

+2.00

12.25

Demand Loan

10.25

+1.00

11.25

10.25

+3.50

13.75

10.25

+0.50

10.75

10.25

+1.00

11.25

Cent Ratna
(Concession of 0.50% to the
borrower maintaining and
operating Salary Account with
the Banks Branch.)
Cent Sahyog- Upto Rs.10
lakh
>Rs.10 lakh upto Rs.100
lakh

Complete
Waiver of
Processing
Charges.
(Appraiser Fee
to be
recovered).
Rs.1000/- per
proposal

Up to Rs.50,000
Rs.100/- per
proposal
>Rs.50,000 up to Rs.5 lakh
Rs.1000/- per
proposal.
>Rs.5 lakh upto Rs.100 lakh
0.50 % of limit
amt, maximum
Rs.25, 000/-Renewal charges 0.10 % of limit,
max.Rs.15000/-