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Central Bank of India Home Loan Apply Online in Ahmedabad

Adiyogi Enterprise is your reliable partner for hassle-free home loan applications. With over 20+ years of experience in the financial sector, we simplify the process of applying for a Central Bank of India Home Loan in Ahmedabad. Our collaboration with 20+ leading banks ensures you access the most competitive interest rates and flexible repayment terms tailored to your financial needs. The Central Bank of India offers home loans at interest rates starting as low as 8.35% p.a. to 9.85%, making it an affordable option for aspiring homeowners. With repayment tenures of up to 30 years, borrowers can enjoy manageable EMIs that align with their financial capabilities. Whether you’re looking to purchase, construct, or renovate a property, loan amounts of up to ₹75 lakhs can be availed, ensuring that your housing aspirations are within reach.

One of the standout features of the Central Bank of India home loan is its customer-friendly approach, which includes minimal documentation, quick processing, and attractive loan benefits. There are no prepayment or foreclosure charges for floating rate loans, allowing you to repay your loan early without incurring extra costs. Adiyogi Enterprise makes the application process seamless with expert guidance at every step, ensuring faster approvals and disbursements. Whether you're a first-time buyer or seeking to upgrade your home, our team works diligently to provide personalized solutions. Apply for a Central Bank of India home loan online in Ahmedabad and experience a stress-free journey toward owning your dream home.

Home Loan Eligibility

Discover your eligibility for a home loan effortlessly with the Adiyogi Home Loan Eligibility Calculator.

Instant Disbursal

After approval, you will get your home loan payment immediately to your account within 3-4 business days.

Minimal Documents

Enjoy a hassle-free process with minimal documentation required for quick approval and disbursal of your loan, saving you time and effort.

  • Interest Rates
  • Eligibility
  • Documents

Central Bank of India Home Loan Interest Rate 2025

Interest Rate Starting from 8.35% p.a. to 9.85% p.a. onwards
Loan Amount Up to Rs 75 Lakhs
Loan Tenure Up to 30 years
Processing Charges 0.50% of the total loan amount (maximum Rs.20,000 + tax)

Central Bank of India Home Loan Eligibility Criteria

Age

  • You must be above 21 years of age at the time of the commencing of your loan, and up to 65 years or less at loan maturity
  • Salaried Person - 21 years to 58 years
  • Self-Employed Person - 25 years to 65 years

Income

  • Salaried Person - Minimum Rs. 10,000 per month
  • Self-Employed Person - Minimum Rs. 2,00,000 per year

Employment

  • Salaried Person - Minimum 2 to 3 years of Experience in MNC, or a Private or Public Limited Company
  • Self-Employed Person - Minimum 3 years of Experience in the current field

Credit Score

  • A credit score of 750 is considered a good score for approval.

Documents Required for Adiyogi's Home Loan

Proof of Identity (Any Person)

  • Valid Passport
  • PAN Card
  • Driving License
  • Voter ID
  • Aadhaar Card

Proof of Residence (Any Person)

  • Aadhaar Card
  • Voter ID
  • Driving License
  • Passport
  • Copy of Utility Bills (like electricity, water, or gas bills)

Age Proof (Any Person)

  • Birth Certificate
  • Voter ID
  • Valid Passport
  • Aadhaar Card

Proof of Income

  • Latest Form 16 or Income Tax (IT) Returns
  • Bank account statements over the last six months

Other Documents

  • Property’s NOC
  • Building plan approval
  • Completion certificate
  • Recent passport-size photographs

Looking for Central Bank of India Home Loan in Ahmedabad?

Click the Apply Now button to get approved for a Central Bank of India Home Loan of up to Rs. 75 Lakhs online in Ahmedabad at an interest rate starting from 8.35% to 9.85% p.a.

Central Bank of India Home Loans EMI Calculator

The Adiyogi Central Bank of India Home Loan EMI Calculator will calculate your EMI in seconds. Enter details like loan amount, interest rate, and tenure. The automated tool instantly calculates your home loan EMI. It provides a detailed breakdown of the total repayment amount, helping you plan your finances effectively for your Central Bank of India housing loan.

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Loan Amount

Tenure

Annual Interest

Principal Interest Total Payable

How to apply for a Home Loan online?

  1. Register with your Mobile Number.

  2. Submit loan information.

  3. Add information about the House/Property.

  4. Get a verification message from us.

  5. Our financial advisors will contact you for further procedures.

  6. Obtain your loan.

Affordable Home Loans

Central Bank of India Home Loan Schemes

The Central Bank of India offers a range of home loan schemes needed to meet different demands, including the Cent Home Loan, Cent Home Loan for Employees, Cent Combo, Cent Home Double Plus, and the Cent Home Loan Scheme for Purchasing 3rd or 4th House/Flat.

Key Features:

  • Eligibility: Individuals, NRIs, Cooperative Societies, and Groups of Individuals
  • Interest Rates: Starting at 8.20% p.a.
  • Processing Fee: 0.50% of the loan amount (up to ₹20,000 + tax)
  • Loan-to-Value Ratio: Up to 90% for properties valued up to ₹30 lakh
  • Age Requirement: Applicants must be 18 years or older
  • NRI Eligibility: Non-resident Indians can also apply

Specific Schemes:

  1. Cent Home Loan
    • Interest Rate: 8.50% to 9.50% p.a.
    • Processing Fee: ₹500 per loan
    • Loan Tenure: Up to 30 years (10 years for repairs/renovations)
    • Moratorium: Up to 36 months
  2. Cent Home Double Plus Scheme
    • Interest Rate: 9.35% to 9.80% p.a.
    • Repayment: Up to 30 years
    • Features: Can be availed as a term loan or overdraft facility
  3. Cent Home Loan for 3rd or 4th House/Flat
    • Interest Rate: 9.35% to 9.85% p.a.
    • Loan Tenure: 25–30 years
    • Property Age: Maximum 40 years with a remaining life exceeding the loan tenure
  4. Cent Grih Lakshmi
    • Applicant: Women borrowers
    • Interest Rate: 8.35% to 9.25% p.a.
    • Loan Tenure: Up to 30 years

With specialize policies and affordable rates, the Central Bank of India makes homeownership accessible to a wide range of applicants.

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Why Choose US

Why Apply for Central Bank of India Home Loan with Adiyogi Enterprise?

When you apply for a Central Bank of India Home Loan with Adiyogi Enterprise in Ahmedabad, You get access to experienced financial services with over 20+ years of industry knowledge. Adiyogi Enterprise collaborates with India’s top banks, including the Central Bank of India, to bring you customized home loan solutions tailored to your unique needs.With competitive interest rates starting from as low as 8.20% p.a. and repayment tenures of up to 30 years, Adiyogi Enterprise ensures a seamless borrowing experience. The loan process is hassle-free, with minimal documentation and expert guidance throughout the application process. Additionally, you can avail of loan amounts up to ₹75 lakhs, catering to a wide range of housing requirements, from purchasing your dream home to renovating an existing property. Choose Adiyogi Enterprise for a stress-free and rewarding home loan journey.

Multiple Banks Partner

Financial
Experts

Lowest Interest Rates

User-friendly Experience

One Day Approval and Disbursal

Minimal Documents

Testimonials

Adiyogi Enterprise made my dream of owning a home a reality! Their home loan process was smooth, transparent, and stress-free. Highly recommended for anyone seeking a home loan.

Ankit Mistry

I approached Adiyogi Enterprise for a mortgage loan, and their team guided me at every step. Their professionalism and quick service are outstanding. Truly the best in the business!

Abhishek Nishad

Adiyogi Enterprise helped me secure a business loan to expand my company. Their expert advice and easy process made it possible. Thank you for your outstanding support!

Kishor Chudasama

I needed a personal loan urgently, and Adiyogi Enterprise came through with fast approval and minimal paperwork. I couldn’t be happier with their service!

Jaimin Patel

Adiyogi Enterprise is the best solution for education loans. They helped me finance my child’s overseas education with ease. Excellent service and highly supportive team!

Ekta Kukadiya

Fantastic experience with Adiyogi Enterprise! They offered me the best home loan interest rate and guided me throughout the process. I’ll always recommend them.

Dipak Verma

Adiyogi Enterprise provided me with a easily mortgage loan experience. Their expertise and customer-centric approach are truly commendable. Great team!

Tejas Chauhan

If you need a business loan, Adiyogi Enterprise is one of the best option. They made the process straightforward and ensured I had the funds to grow my business. Highly satisfied!

Mehul Pandya

Adiyogi Enterprise made my personal loan approval quick and effortless. Their professional team is friendly and always ready to help. A great experience overall!

Bhakti Viradiya

Securing an education loan was seamless with Adiyogi Enterprise. They understood my needs and offered the best options. Thank you for supporting my family’s aspirations!

Dharmendra Gupta

FAQ

Frequently Asked Questions

  • 1. What types of home loans does Central Bank of India offer?

    Central Bank of India offers a range of home loans, including loans for purchasing new homes, constructing houses, renovating existing properties, and transferring existing home loans from other banks.

  • 2. What is the eligibility criteria for a home loan from Central Bank of India?

    Eligibility for a home loan from Central Bank of India includes factors like age (typically 21-60 years), stable income, good credit score, and employment status. Both salaried and self-employed individuals can apply.

  • 3. What documents are required for applying for a Central Bank of India home loan?

    The documents needed include a completed loan application form, identity proof, address proof, latest salary slips or IT returns, bank statements, property documents, and any other documents requested by the bank.

  • 4. What is the interest rate for home loans at Central Bank of India?

    Central Bank of India offers competitive interest rates that can be fixed or floating. The interest rate varies based on the loan amount, tenure, and the borrower's creditworthiness.

  • 5. How can I check my home loan application status?

    You can check your home loan application status through Central Bank of India's online banking portal, by calling their customer service, or by visiting the branch where you applied.