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Central Bank of India

CENTRAL TO You sINCE 1911
Central Office, Chander Mukhi,
T4 tte Haf-400 021 Nariman Point, Mumbai400021

RETAIL & CONSUMER LENDING DEPARTMENT

INSTRUCTION CIRCULAR NO: 3500 DATE: 04.03.2023

FILE NO:97 DEPARTMENT RUNNING NO: 526

ALL BRANCHES/ OFFICES

REG: REVISsION OF ROI OF CENT GRIH LAKSHMIM HOME LOAN SCHEME

Cent Grih Lakshmi, being women focused loan & having received good traction in market till
date.

Considering Women's Day on the 8" March 2023 & in line with the peer banks, we are
pleased to inform you realignment of Rate of Interest in Cent Grih Lakshmi (refer eariier
Instruction Circular No: 3433 dated
04.01.2023) in the upper two CIC bracket (800 & above
and 775 to 799).

The Scheme is valid from 05.03.2023 till 31.03.2023. The

details are as under:

REVISED ROI ON CENT GRIH LAKSHMI HOUSING LOAN SCHEME

CIC ROI
Transunion CRIF Experian Benchmark Repo Rate CRP Effective ROI
CIBIL

-800 >710 >=775 1.95 8.45

775-799 695-709 746-774
2.00 8.50
750-774 680-694 731-745 Repo Rate 6.50% 2.30 8.80
725-749
665-679 716-730
2.50 9.00
700-724 650-664 700-715 2.70 9.20
Incase of -1/0 scores of CIC will be treated as equivalent to 725-749
bracket of CIBIL( for borrowers+ Co-borrowers)
(Norelaxation in CIC Score)
A target of 5 Cent Grih Lakshmi Proposal per branch has been fixed for the next
26 days.
Cumulatively each Region has to achieve a target of No of branches* 5 Cent Grih Lakshmi
loan till 31" March 2023.
Each region Head is advised to push aggressively the scheme with this unbelievable
competitiye Rate of Interest in Cent Grih Lakshmi.

(VIVEKKBMAR)
GENERAL MANAGER