Central Bank of India IFSC / MICR Codes / Addresses Across India

Central Bank of India IFSC / MICR Codes | Deposit Rate of Interest

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Central Bank of India founded by ‘Sir Sorabji Pochkhanawala‘ on year 1911, which is the first commercial bank in india. In year 1969, Central bank of india turned into nationalized bank and providing innovative services such as money back deposit scheme, quick cheque collection service, credit card services and many more. Currently Central bank of india has 4700+ Branches, 600+ ATMs, 4 Extension counters along with 29 Satellite Offices across india.

Also providing online railway ticket booking facility through internet banking, E-Tax payments, Visa bill pay, NRI banking and lot more. Here we published verified Central Bank of India’s IFSC / MICR / Branch codes along with deposit & loans rate of interest, customer care toll free number, full address, phone number, email address, bank working hours and still more.

Corporate Office
Central Bank of India
Chander Mukhi, Nariman Point
Mumbai – 400 021
Telephone : +91-022-66387777

Customer Care Toll Free Number : 1800 200 1911 (24/7 support)

Bank Working Hours (Bank Timings)

Monday – Saturday : 9.30 AM – 3.30 PM (2nd and 4th saturday holiday)
Sunday : Holiday

Official Website : https://www.centralbankofindia.co.in
Internet Banking : https://www.centralbank.net.in

  Base Interest Rate9.95%
  Home Loan Interest9.95% (Floating)
Maximum period of 30 years or on borrower reaching the age of 70 years whichever is earlier.
  Personal Loan InterestBase Rate + 3.50%
Permanent employees of large corporate clients
Twenty times of gross salary subject to maximum of ₹500,000
Maximum of 36 Months EMIs
  Two Wheeler Loans InterestBase Rate + 1.00%
Maximum of 60 months EMIs allowed
Minimum annual income criteria ₹1,20,000
Salaried employees / Self employed / Entrepreneurs with permanent income
Maximum ₹1.00 Lakhs allowed
  Car Loans InterestBase Rate + 0.50%
Maximum of 84 months EMIs allowed (Maximum 60 EMIs for pre-owned cars)
Minimum annual income criteria ₹2,40,000
Maximum of ₹20 Lakhs loan amount for indian made new cars
Maximum of ₹40 Lakhs loan amount for indian made new cars
Max ₹10 Lakhs allowed for Pre-owned four wheelers
  Education Loans InterestBase Rate + 2.00%
For female SC, ST, IIT students = Base Rate + 1.50%
₹10 Lakhs for study in India and ₹20 Lakhs for study abroad
Collateral security required for above ₹4 Lakhs and up to ₹7.5 Lakhs
Parent / Guardian should be joint borrower(s) with collateral security required for above ₹7.5 Lakhs
  Gold Loans InterestBase Rate + 1.00%
Minimum ₹10000 - Maximum ₹20,00,000
Repayment schedule 12 to 36 Months
Maximum of ₹1800 / gram will be provided
  Consumer Durables InterestBase Rate + 3.75%
Minimum of ₹50000 - Maximum of ₹2.00 lakhs allowed
Hypothecation of consumer durables required
  Property Loan InterestBase Rate + 3.50%
Loan is to be repaid in Maximum 120 EMIs
Properties accepted which located in metro / urban / semi urban / rural centre
Minimum of ₹1 Lakhs and maxium of ₹100 Lakhs
  Agricultural Loans InterestBase Rate + 1.00%
Base Rate + 1.00% = Up to ₹3 Lakhs
Base Rate + 1.50% = Above ₹3 Lakhs - ₹25 Lakhs
Base Rate + 2.00% = Above ₹25 Lakhs - ₹1 Crore
Above ₹1.00 crore = As per credit rating
  Internet BankingYes
  Credit CardYes
  ATM / Debit CardYes
  Cheque BooksYes
  Locker FacilityYes
  Core Banking Solution (CBS)Yes
  Mobile BankingYes
Maturity PeriodLess than ₹1 Crore₹1 Crore - ₹10 CroresAbove ₹10 Crore
7 - 14 days5.00%5.00%5.00%
15 - 30 days5.50%5.50%5.50%
31 - 45 days5.50%5.50%5.50%
46 - 59 days7.00%7.00%6.00%
60 - 90 days7.00%7.00%6.50%
91 - 179 days7.60%7.25%6.90%
180 - 270 days7.75%7.25%7.15%
271 - 364 days7.75%7.25%7.25%
12 Months - 13 Months--7.40%
1 year - < 2 years8.00%7.75%-
2 years - < 3 years8.00%7.75%-
3 years - < 5 years8.00%7.75%-
5 years - 10 years8.00%7.50%-
555 days8.00%--
777 days8.05%--
Cent Double8.00%--
Additional 0.50% interest will be applicable for time deposit schemes, tax saver depositors scheme and senior citizens.

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