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Canara Agricultural DRI Loan

Differential Rate of Interest agricultural loan for very low-income borrowers, up to ₹15,000 for agriculture or ₹20,000 for housing at a simple 4% rate.

Interest rateSimple interest at 4% p.a.Maximum amountUp to ₹15,000 for agricultural purpose or ₹20,000 for housing purpose, as working capital or term loan.TenureRepayable within 36 months without repayment holiday; interest is paid with instalments.
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Quick eligibility check

Canara Agricultural DRI Loan

0 of 7 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: Maximum family income from all sources: ₹24,000 per year in urban/semi-urban areas or ₹18,000 per year in rural areas?

Published source: Minimum income

2Does your annual income meet this requirement: Family income from all sources must not exceed ₹24,000 yearly in urban/semi-urban areas or ₹18,000 in rural areas?

3Do you meet this requirement: Landholding must not exceed 1 irrigated acre or 2.5 unirrigated acres, except SC/ST borrowers?

4Document checkDo you have this required document or proof: Application, KYC, residence and income proof?

Published source: Minimum income

5Document checkDo you have this required document or proof: Landholding and agricultural-activity evidence?

Published source: Minimum income

6Document checkDo you have this required document or proof: Purpose/cost documents and asset details?

Published source: Minimum income

7Document checkDo you have this required document or proof: Any additional documents requested by Canara?

Published source: Minimum income
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; rural, semi-urban and urban areas

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan typeDifferential Rate of Interest working-capital or term loan for agricultural/allied activity or small housing needs.View source
Canara permits working-capital and term-loan forms for agricultural/allied activities.
Source
Agricultural DRI Loans
Page / section
Purpose; Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateSimple interest at 4% p.a.View source
The official conditions row states simple interest of 4% per annum.
Source
Agricultural DRI Loans
Page / section
Other Conditions
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNot applicable; the scheme publishes a simple fixed 4% rate.View source
No benchmark is needed for the stated simple rate.
Source
Agricultural DRI Loans
Page / section
Other Conditions
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMaximum family income from all sources: ₹24,000 per year in urban/semi-urban areas or ₹18,000 per year in rural areas.View source
The DRI page publishes family-income ceilings rather than a minimum.
Source
Agricultural DRI Loans
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹15,000 for agricultural purpose or ₹20,000 for housing purpose, as working capital or term loan.View source
The quantum row publishes separate agriculture and housing limits.
Source
Agricultural DRI Loans
Page / section
Quantum of Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureRepayable within 36 months without repayment holiday; interest is paid with instalments.View source
Canara publishes 36 months and no repayment holiday.
Source
Agricultural DRI Loans
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working capital or term loan for agricultural/allied activity
  • ₹15,000 agriculture or ₹20,000 housing maximum
  • Nil margin
  • Simple 4% p.a. interest
  • 36-month repayment without holiday
  • SC/ST landholding relaxation

Eligibility

  • Family income from all sources must not exceed ₹24,000 yearly in urban/semi-urban areas or ₹18,000 in rural areas. Landholding must not exceed 1 irrigated acre or 2.5 unirrigated acres, except SC/ST borrowers.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application, , residence and income proof
  • Landholding and agricultural-activity evidence
  • Purpose/cost documents and asset details
  • Any additional documents requested by Canara

Related official documents

Agricultural DRI Loansofficial-product-page · current · accessed 30 Aug 2026
↗
Rate of Interest for Agriculture & Allied Activities — Canara Bankofficial-rate-pdf · current · accessed 12 Sept 2026
↗
Rate of Interest for Agriculture & Allied Activitiesofficial-rate-table · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹21,696twenty-one thousand six hundred ninety-six rupees
Interest paid over the full loan₹27,06,939twenty-seven lakh six thousand nine hundred thirty-nine rupees
Everything you repay₹52,06,939fifty-two lakh six thousand nine hundred thirty-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Kisan · Purpose / eligibilityOwner cultivator/allied farmer; prompt-repayment incentive for 3 years

This value is copied from Canara agricultural loan terms. Check the table notes before relying on it.

Source: Canara agricultural loan pages and rate table · Eligibility; Quantum; Interest; Security; Repayment Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 4 columnsCanara agricultural loan termsPublished limits, agricultural eligibility, rates, security and repayment terms from official Canara pages.View tableHide table

Scroll sideways to view every column

Canara agricultural loan terms
ProductPurpose / eligibilityAmount / rateSecurity / repayment
Kisan Owner cultivator/allied farmer; prompt-repayment incentive for 3 years₹1.50–₹12.50 lakh; agricultural spreads 1.40%/2.30% by amountLand security at 200% with residential component; 12-month
Kisan All Purpose Term LoanExisting Canara agricultural borrower with 3-year track recordUp to ₹20 lakh; 5× farm income or 50% land value lower; spreads by bandHypothecation plus land charge/mortgage; 9 years
Agricultural DRIFamily income ceiling ₹18,000 rural/₹24,000 urban; small landholding₹15,000 agriculture or ₹20,000 housing; simple 4% p.a.Hypothecation of financed movable assets; 36 months
Canara agricultural loan pages and rate table · Eligibility; Quantum; Interest; Security; Repayment · accessed 30 Aug 2026Open official source ↗
Table 2 · 28 rows · 4 columnsCanara agriculture and allied activities — rate schedule (updated 18 August 2026)Complete transcription of the published four-page PDF.View tableHide table

Scroll sideways to view every column

Canara agriculture and allied activities — rate schedule (updated 18 August 2026)
Product / slabRate or spreadAmount / rating / securityCondition
Various short-term and term agriculture/allied loans + 1.40%Up to ₹3 lakhExcludes agro/food processing
Kisan Credit Card — subvention7% p.a.Up to ₹3 lakhSubvention slab
Kisan Credit Card — non-subvention + 1.40%Up to ₹3 lakhOne-year wording
Kisan Credit Card + 2.30%Above ₹3 lakhSpread over
Kisan Credit Card — non-subvention + 2.30%Above ₹3 lakhOne-year wording
Various short-term and term agriculture/allied loans + 2.30%Above ₹3 lakh to ₹1 croreSpread over
Various short-term and term loans — scoring lower/middle/higher/highest + 2.20% / 2.35% / 2.80% / 3.50%₹1–2 croreScoring norms in enclosure I
Various short-term and term loans — LR/NR/MR/HR internal ratings + 2.20% / 2.55% / 2.95% / 3.75%Above ₹2 crore to ₹50 crore and externally unratedInternal rating
Externally rated AAA//A/BBB/BB/B/C&D + 1.20% / 1.30% / 1.65% / 2.60% / 3.35% / 3.50% / 4.50%Above ₹50 croreExternal rating
Additional interest on FB facilities+0.50% p.a. / +1.00%Above ₹50–100 crore / above ₹100 croreExternally unrated
Additional commission on NFB facilities+0.10% p.a.Externally unratedUntil rating or permitted waiver
Liquidity premium+0.20% / 0.25% / 0.25% / 0.30% / 0.30% / 0.45%>1–2 / >2–3 / >3–5 / >5–7 / >7–10 / >10 yearsLoaded unless exempted
Agriculture gold loan + 0.10%Up to ₹35 lakhAgriculture/allied
Agricultural gold overdraft + 0.30%Up to ₹5 lakhAgriculturist
under NRLM7%; one-year ; + 1.25% (A) / +2.00% (B)Up to ₹3 lakh; ₹3–5 lakh; above ₹5 lakhMarks-secured grade
other than NRLM7%; one-year + 1%; + 1.50% (A) / +2.25% (B)Up to ₹3 lakh; ₹3–5 lakh; above ₹5 lakhMarks-secured grade
Estate Purchase Loan + 2.80% + LP / + 6.55% + LPCollateral above 50% / otherTerm loan only
Small tractor scheme (up to 30 HP)One-year + 1.55% + LP / +2.05% + LPUp to ₹3 lakh / above ₹3 lakhLiquidity premium
Matsya SurakshaOne-year + 1.05%Standard4% if DRI-qualified and ₹15,000 quantum
Matsya ParirakshanOne-year + 1.05%Standard4% if DRI-qualified and ₹15,000 quantum
Matsya SamrudhiOne-year + 1.05%StandardFisheries/aquaculture
term loanOne-year + 1.55% + LPFarmers Producer OrganisationTerm loan
working capitalOne-year + 1.55%Farmers Producer OrganisationWorking capital
Custom Hiring Centre + 1.70% + LP / + 1.45% + LP100% / >100% immovable-security coverageFarm machinery hiring
Canara Consumption LoanOne-year + 0.20%Natural-calamity consumption loanScheme row
Agri- low/normal risk + 0.25% / +0.50%Collateral ≥100% / <100%Manufacturing and other units
Agri- moderate risk + 0.50% / +0.75%Collateral ≥100% / <100%Manufacturing and other units
Agro and food processing industries to + 0.60%Listed food, agro, cashew, coffee, milk and fish processingSeparate section
  • Updated 18 August 2026.
  • Liquidity premium applies to loans repayable beyond one year unless specifically exempted; rates shown are effective under the published schedule.
  • Agriculture/allied excludes agro and food processing; those units use the separate -to-+0.60% range.
  • Product pages supply product-specific purpose, eligibility, margin, security and repayment terms.
Rate of Interest for Agriculture & Allied Activities — Canara Bank · Pages 1–4, complete published · effective 18 Aug 2026 · accessed 12 Sept 2026Open official source ↗

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