Information only
Central Bank of India is a public sector bank under Reserve Bank of India (RBI) regulation. RBI lists its address as Mumbai (Nariman Point). It was founded in 1911 and nationalised in 1969. According to the bank's website, as of 8 November 2026, its MSME offering uses trade-specific Cent schemes, from rice mills to ceramics. This page is an information summary, not an offer.
Loans it offers
Loans seen on Central Bank of India's website, 8 November 2026
| Loan | What to know |
|---|---|
| Home loans | Listed as Housing Loans in the retail menu. |
| Personal loans | A Personal Loans page and a separate Loan to Pensioners page. |
| Loans against property | A Loan against Property page; the MSME list adds Cent Mortgage Business. |
| Business and MSME loans | Cent Business Loan, Cent GST Loan, Cent Rental Business, Cent Shop, Cent Stand Up India and trade schemes for hotels, textiles, ceramics and rice mills. |
| Gold loans | A Gold Loans page, with a Cent Agri Gold Loan scheme for farmers. |
| Education loans | An Education Loan page. |
| Loans for professionals | Cent CA/CS/CMA and Cent Sanjeevani schemes appear in the MSME list. |
| Vehicle and solar loans | A Vehicle Loans page, a Cent Vehicle Business scheme and a loan under PM Surya Ghar Muft Bijli Yojana for rooftop solar. |
Related LOANZ 360 guides: home loans, personal loans, loans against property, business loans, gold loans, education loans, professional loans and agriculture loans. The bank's own website is the record of its current products.
Key facts
| Fact | Detail |
|---|---|
| Regulator category | Public sector bank |
| Registered office (RBI listing) | Mumbai, Maharashtra (Nariman Point) |
| Ownership | Majority-owned by the Government of India |
| Founded | 21 December 1911, by Sir Sorabji Pochkhanawala |
| Nationalised | 19 July 1969 |
As of 8 November 2026, RBI lists Central Bank of India as a public sector bank.
Before you apply
- The bank's MSME schemes are tied to trades. Ask for the scheme that names your trade, and which papers prove your business activity.
- Professional schemes for chartered accountants, company secretaries and cost accountants may need proof of practice; confirm what the bank asks for.
- Rooftop solar loans link to a government scheme; check subsidy conditions with the bank and the scheme's official portal.
- Read the Key Fact Statement and the APR, and ask for charges in writing.
- Comparing eligibility first helps avoid unnecessary credit enquiries; too many lender checks in a short time can lower your score.
Use interest rates to compare published rates and lenders for other banks. The label on the lender page (lending partner or information only) is drawn from live data by the site. If Central Bank of India is shown as information only, apply on its own website.
Last updated 12 Nov 2026