Skip to main content

Cent Personal Loan Scheme


To meet personal / domestic expenses & Takeover


Permanent Employees of Railways, Government institutions, Central and State Government, Schools, Hospitals, Municipal Bodies etc. having completed ONE year of service and having salary account with our Bank for 12 Months
Confirmed/ Permanent employees of Indian/multinational Companies having completed minimum THREE years of service and having salary account with our Bank for 12 Months.


Minimum Gross Salary- Rs.1.80 Lakh p.a.


Note: Loan to be sanctioned to all permanent employees only


Term Loan

Quantum of Finance

24 times of gross salary subject to Maximum Rs.20 Lakh and Min. net take home pay 50% of gross salary after taking into consideration payment of statutory dues, repayment of various loans including the instalment of proposed loan.


*40% net take home pay is permitted only where employer’s undertaking is available.

Repayment period

84 Equated Monthly Installments (In multiples of 12)

Rate of Interest

RBLR + CRP (2.65%/3.40%) i.e. 12.00%/ 12.75% at present

Processing charges

  • 1% of loan amount + GST
  • For Defence personnel: NIL

Documentation charges

  • Up to Rs.2 lakh- Rs.270/- + GST
  • Above Rs.2 lakh- Rs.450/- + GST
  • For Defence Personnel: NIL

Min. CIC Score

Name of CIC

Minimum Threshold Limit

Transunion CIBIL









*Subject to conditions and changes. Please contact our nearest branch for more details and updates.