Central Bank of India की नवीनतम ब्याज दरें - September 2026

Central Bank of India (CBI) Interest Rates & Retail Lending Schemes Overview

Quick Overview: Comprehensive update on latest deposit rates and retail lending schemes from Central Bank of India (CBI):

Featured Rates & Retail Loan Schemes:

• Savings Deposit: Standard savings account deposit rate stands at 2.50% p.a. on balances up to ₹100 Crore, scaling up to 4.75% p.a. for institutional and ultra-high balance tiers.
• Domestic Term Deposits (FD): General 1-Year domestic term deposit rate is 6.10% p.a. (Senior citizens receive an additional +0.50% at 6.60% p.a.). Special buckets such as 444-day callable FDs offer peak yields up to 6.75% p.a. (7.25% p.a. for senior citizens).
• Home Loans (Cent Home): Floating interest rates start from 7.10% p.a. linked to Central Bank of India's Repo Based Lending Rate (RBLR at 8.25%), with repayment tenures up to 30 years and maximum LTV up to 90% (for loans up to ₹30 Lakh).
• Vehicle & Personal Loans: Cent Vehicle auto loans start from 8.60% p.a. with tenures up to 7 years (84 months). Unsecured personal loans (Cent Personal Loan) range between 10.95% p.a. and 13.50% p.a. on a reducing balance basis.
• Credit Cards: Standard retail credit cards (e.g. Visa Platinum / Select) offer finance charges of approximately 2.50% per month (30.00% APR) with an extended interest-free grace period up to 55 days.

💡 Financial Recommendation: Maintaining a CIBIL credit score of 750 or higher qualifies borrowers for Central Bank of India's lowest risk margin over RBLR (starting at 7.10% p.a.) and provides complete processing fee waivers under the Cent Grih Lakshmi scheme for eligible co-borrowers.