Central Bank of India Chennai - Main Branch, Rates Dec 2023, IFSC Code

Central Bank of India Chennai

About Central Bank of India

Central Bank of India is one of the oldest and largest commercial public sector bank established in the year 1911. It has rendered quality banking and financial service for more than 100 years and still continues to serve the citizen of the country. The mission of the bank is to transform the customer banking experience into a fruitful and enjoyable one. It leverages technology for efficient and effective delivery of all banking services. The bank received the Fintect India Award 2016, under category mobile banking at a function organized in Mumbai. With the aim to provide a customized solution to meet the customer’s aspiration, the bank has launched various product and service. Each product is uniquely designed to satisfy the requirements of the customers.

The bank earns the confidence of its customers by delivering best quality services and keeping transparency. For the convenience of the customers, the bank has spread a wide network of branches and ATMs across the nation. It has 4,741 branches, 1 extension counters, along with 10 satellite offices at various centres throughout the length and breadth of the country. The bank also let its customers avail the benefit of banking service through net banking and phone banking. It is a customer-oriented bank driven by the motive to maximize the benefit of the customer.

Address of Central Bank of India Branches in Chennai

The complete address, IFSC Code, MICR Code and customer care details of Central Bank of India branches located in Chennai is mentioned in the table below:

Branch Name
Complete AddressIFSC CodeMICR CodeContact Number
China Bazar, ChennaiMehta Mansion, 27, Bunder Street, ChennaiCBIN0280874600016008044-25388013, 044-25389500
Kodambakkam, Chennai

109 - B, Arcot Road, Kodambakkam, ChennaiCBIN0280875600016010044-24801328, 24810630
Chennai Main Branch
11, Second Line Beach Chennai 600001CBIN02808766000160131800 200 1911
Mylapore, Chennai
Mylapore, 542, Luz Church Road, ChennaiCBIN0280877600016014044-24994408, 044-24997094
Addison Building Branch803, Anna Salai Chennai 600002CBIN0280878600016003044-28521517/ 1519, 044-28521533
Mount Road Branch

Raheja Complex, Anna Salai, Chennai 600002CBIN0280879600016012044-28411017/ 5817, 044-28410901
Sembiam, ChennaiHuzur Gardens, Sembiam, ChennaiCBIN0280881600016020044-25375792, 044-25591226
Sowcarpet, Chennai

No.: 472 (old 281) Mint Street, ( The Madras Yarn Merchants Associations Building) Sowcarpet, ChennaiCBIN0280882600016021044-25353459, 044-25331811

No.11 Rajabadar Street Thyagarayanagar Chennai 600017CBIN0280883600016022044-28152250/ 1418, 044-28151190
Triplicane, Chennai
265, Pycrofts Road, Triplicane, ChennaiCBIN0280884600016023044-28583775, 044-28526057
Nungambakkam, Chennai

No. 11 Haddows Road, Nungambakkam, ChennaiCBIN0281207600016016044-28271576, 044-28241340
Washermanpet Chennai

535, T.H. Road, Washermanpet, ChennaiCBIN0281215600016026044-25953415, 044-25969269
Broadway, Chennai
165, ALC Complex, Broadway, ChennaiCBIN0281287600016007044-25228003, 044-25262041
Dyar, Chennai
No.2, First Main Road, Kasturba Nagar, Adyar, ChennaiCBIN0281293600016004044-2491 0544, 044-24421663
Royapettah, Chennai
220, Peters Road, Royapettah, ChennaiCBIN0281426600016019044-28482747, 044-28483161
Aminji Karai, Chennai25, Laxmi Talkies Rd., Aminjikarai, ChennaiCBIN0281431600016006044-26640661, 044- 26642661
Kilpauk, Chennai

267, Kilpauk Garden Road, Near New Awadi Signal, Kilpauk, ChennaiCBIN0281620600016011044-26441184, 044-26460345
Teynampet, Chennai

Shop No. 1, Alaiamman Koil Shopping Complex, Shri Thagraya Road, Teynampet, ChennaiCBIN02816226000160250440-24349633, 044-24343560
Mandaveli Branch

44/1 Venkatakrishna Road Mandaveli Chennai 600028CBIN0282260600016015044-24643584, 044-24951188
Chennai NBO

Shakthi Towers, 766, Anna Salai, Chennai 600002CBIN02823316000160011800 200 1911
Anna Nagar, Chennai
AC - 10, II, Avenue, Anna Nagar (W), ChennaiCBIN0282473600016027044-26212326, 044-26213051

No. 3/5, 1st Floor, Kattivakkam High Road (Opp. Ennore Rly. Station), ChennaiCBIN0282761600016029044-25750155, 044-25750523
Industrial Finance BR

48/49, Montieth Road Egmore, Chennai 600008CBIN0283026600016030044- 28554882, 044- 28553471
Mogappair Chennai

No. 2, Main Bazar Road, Collector Nagar, Mogappair, ChennaiCBIN0283081600016031044-26564272/ 1660
Guindy, Chennai

S - 7, Thiru - Vi - Ka Industrial Estate, Guindy, ChennaiCBIN0283176600016033044-22334070, 044-22332435
M/s Velammal Matriculation Secondary School, Mogappair
M/s Velammal Matriculation Sec. School. Mogaippar, Chennai, 600037CBIN0013081NON-MICR044-26560361
Choolai, Chennai

172, Victory House, Sydenhams Road, Chennai, Pincode: 600003CBIN0281440600016009044-25386584, 044-55876005

C/O 196, Gandhi Road, Velachery, Pincode: 600042CBIN0283725NON-MICR044- 22433265
Periamet, Chennai

Virudhunagar Nadar Mansion, 1113, Poonamalle High Road, Periamet, Dist - Chennai, Tamilnadu - 600003CBIN0280880600016018044-25389970
Cash Management Service, Chennai

NO. 48/49, Monteith Road, 1st Floor, Egmore, Chennai, Chennai - 600008CBIN0283273NON-MICR1800 200 1911

Geeyem Complex, 30 Ist Main Road, Thirumalai Nagar Annexe, Perungudi, Chennai - 600096, Tamil NaduCBIN02838656000160431800 200 1911
Chennai Zonal Office

48/49 Monteith Road, Egmore Dist - Chennai Tamil Nadu - 600008CBIN0281110NON-MICR044-28554792/ 4620/ 4649
Velammal Metri Secondary School , Mogappair

CBI, M/S Velammal Matriculation Secondary School, Mogappair Branchm/ S Velammal/ Matriculation Sec.school, Mogappair, Tamilnadudist- Chengal Anne, Tamilnadu-600050CBIN0284149NON-MICR44-26560361

No.6, Amaravathi Nagar Main Road, Arumbakkam, City- Chennai, Dist- Chennai, Tamil Nadu-600106CBIN0284956NON-MICR
Old No. 52/ New No. 31, Second Avenue, Ashok Nagar, Chennai, Dist- Chennai, Tamil Nadu-600083CBIN0284965NON-MICR

Products Offered by Central Bank of India in Chennai

The Central Bank of India offers multiple loans and investment products that include home loan, personal loan, loan against property, vehicle loan, business loan, education loan and fixed deposits. The product details, eligibility criteria and documents required for each of the product are mentioned below:

Basic Details of Central Bank of India Products

Product NameEligibility CriteriaAmount Interest RateProcessing FeeTenure
Home Loan Eligible Entity – Individuals, group of individuals, salaried employees, self-employed persons, professional, any other person having a legal, identified and regular source of income
Age – The minimum age of the applicant should be 18 years
As per individual's repayment capacity8.55% - 9.10%0.50% of the loan amount subject to maximum ₹ 20,000Maximum – 30 years
Personal LoanPermanent employees of railways, government institutions, central and state government, schools, hospitals, municipal bodies etc .having completed one year of service
confirmed/ permanent employees of Indian/ multinational companies having completed minimum 3 years of service
₹ 1,00,000 – ₹ 5,00,00,00012.30%0.50% of the loan amount subject to maximum ₹ 10,0003 – 7 years
Vehicle LoanEligible Category : - Permanent salaried employees/ Self-Employed Persons / Independent Entrepreneurs -Farmers - Non - Indian Residents - Companies, Societies, Proprietorship and Partnership Firms
Age – Minimum age of the applicant should 18 years and maximum 65 years
Minimum Annual Income -For 4 wheeler ₹ 2,40,000, for 2- wheeler - ₹ 1,20,000
For New Car : ₹ 75,00,000
For Used Car: ₹ 10,00,000
For 2- wheeler: ₹ 10,00,000
7.25% - 7.70%-4 - 7 years
Loan Against PropertyMinimum age of the applicant should be 21 years
Maximum age of the applicant should be 70 years
Minimum Gross Income of the applicant should be ₹ 2,00,000
Minimum - ₹ 1,00,000
Maximum - ₹ 5,00,00,000
10% - 12% p.a.
0.50% - 1% of the loan amountUp to 10 years
Business LoanDepends on the scheme availedUp to ₹ 1,00,00,0008.75% - 9.50% p.a.Depends on the loan amountUp to 10 years
Education LoanThe student should be an Indian National
Should have scored as per the marking set by bank
Up to ₹ 20,00,0008.50%- 10.50% p.a.Nil - ₹ 1,000Up to 15 years
Fixed DepositAn individual either solely or jointly
A minor jointly with a major
A minor over the age of 12 years who can read and write and operate the account personally(Maturity value should not exceed ₹ 50,000)
Charitable and educational institutions
Blind Persons
Illiterate persons
Private Traders, Merchants, Agents, Professionals Partnerships Firms, Companies Clubs, Societies & Corporates
-2.75% - 5.50%-7 days - 10 years

Documents Required

Product NameDocuments
Home Loan Duly Filled Application Form with 2 Passport Size Photographs
Sale Deed & Agreement of Sale
Bank Property Valuation Report/Full Cost Estimate
Legal Scrutiny Report, Property Tax Payment Receipt, EC for the Last 13 Years, Khata and Permission for Mortgage
Age Proof - Passport, PAN Card or Any Other Certificate from Statutory Authority
Identity Proof - PAN Card/Passport/Voter ID/ Driving License
Residence Proof - Passport/Driving License/Voter ID/Ration Card/Telephone Bill
Income Proof - Salary Slip/ ITR, Latest Bank Statements
Other Documents - Title Clearance Report from Advocate & Valuation Report Prepared from a Bank Panel Member
Personal LoanLatest Photograph, Photo Identity & Residence Proof of the Applicant & Guarantor
Income Proof - Salary slips for last 3 months, ITR/ Form 16 for last 3 years (for salaried), Last two years profit & loss account and balance sheet, & ITR and Bank statement for last 3 months (for self-employed)
Vehicle LoanAge Proof - Passport/PAN Card/ Voter ID card, Photo Driving License with birth date/Photo ration card with DOB/Employer certificate/ID/School/College Leaving Certificate
Identity Proof - PAN Card/ Voter ID/Passport/Driving License, photograph
Income Proof - Form 16 for last 2 years, Salary slip for last 3 months, proof of employment in the same organisation for two years, salary certificate, bank statement showing salary credit into the account (for salaried), IT returns for the last 2 years along with income computation, bank statement for the last 3-6 months (for self-employed)
Address Proof - Latest Telephone Bill/ Electricity Bill/ Property Tax Receipt/ Passport/ Voter ID
Sign Verification Proof - Driving License/ Passport copy/ PAN Card
Loan Against PropertyApplication form
Financial Statements in case limit is over Rs.10.00 Lakh
Copy of Sales Tax / VAT / any other Tax Registration if applicable
Details of Property offered along with the latest valuation
For existing business, statement of accounts maintained with other Banks
Business LoanProof of Identity: Voter’s ID Card/ Passport/ Driving License/ PAN Card/ Signature identification from present bankers of proprietor, partner of director (if a company)
Proof of residence: Recent telephone bills, electricity bill, property tax receipt /Passport/ Voter’s ID Card of Proprietor, partner of Director (if a company)
Proof of business Address
Last three years balance sheets of the units along with income tax/ sales tax returns etc. (Applicable for all cases from Rs.2 lakhs and above) However, for cases below fund based limits of Rs. 25 lakhs if audited balance sheets are not available, then unaudited balance sheets are also acceptable as per extant instructions of the bank
Copy of Sales tax / VAT /any other Tax Registration
Memorandum and articles of association of the Company/ Partnership Deed of partners etc.
Assets and liabilities statement of promoters and guarantors along with latest income tax returns
Rent Agreement (if business premises on rent) and clearance from pollution control board if applicable
SSI / MSME registration if applicable
Projected balance sheets for the next two years in case of working capital limits and for the period of the loan in case of term loan (for all cases of Rs.2 lakhs and above)
In case of takeover of advances, sanction letters of facilities being availed from existing bankers/ Financial Institutions along with detailed terms and conditions
Photocopies of lease deeds/ title deeds of all the properties being offered as primary and collateral securities
Position of accounts from the existing bankers and confirmation about the asset being standard with them (Required only in case of takeover)
Education Loan Proof of identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card
Proof of residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement
Latest salary slip showing all deductions or Form 16 along with recent salary certificate
Bank Statement/Pass Book of last 6 months
Copy of admission letter or the Institute along with Fees schedule
Mark sheets/pass certificates of S.S.C., H.S.C, Degree courses
Fixed DepositProof of Identity - Passport, Voter ID card, Driving license, PAN card, Government department ID card
Proof of Residence - Bank account statement, Latest electricity bill, Latest mobile/telephone bill, Latest credit card statement, Existing house lease agreement

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Home Loan Interest Rates December 2023
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