Central Bank of India is a government-owned banking establishment that is also counted amongst the largest and oldest commercial banks of India. It is headquartered in Mumbai and has 5319 ATMs, 4715 branches and 4 extension counters across India. Central Bank of India offers different personal loan products to help non-corporate and corporate individual clients meet their unique immediate financial needs. These different personal loan products are: personal loan scheme for corporate employees, personal loan scheme for non-corporate employees, Cent Ratna scheme, Cent Teacher, Cent Personal Gold Loan, Cent Suvidha, personal loans to pensioners, Cent Doctor, Cent Liquid Scheme (offering loan against shares) and Cent Kalyani. All these personal loan types are targeted at different consumer groups. For instance, personal loan scheme for corporate employees is meant for permanent employees of big corporations who also have an account with Central Bank of India. On the other hand, Cent Teacher is meant for employees or permanent teachers of universities / colleges / schools and other types of research and education institutes who are disbursed their salaries through their Central Bank of India accounts.