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Canara Cash

Loan or overdraft against approved investments, up to ₹20 lakh with security-specific and minimum 30% margin.

RateRLLR 8.00% + 6.55% credit-risk premium = 14.55% effective p.a. in the current Canara retail table.Maximum amountUp to ₹20 lakh where the demat account is maintained with Canara's depository participants. Shares/debentures: up to 50% market value; PSU bonds: up to 70%; UTI/CBMF units: up to 50% NAV or market value lower.Processing fee0.10% of loan amount, minimum ₹100 and maximum ₹250; for overdraft, the same charge applies at each renewal or enhancement.
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Quick eligibility check

Canara Cash

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.

1Do you meet this requirement: approved securities, demat holdings and repayment capacity are assessed?

Published source: Minimum income

2Do you meet this requirement: Approved securities must be pledged and a minimum 30% margin maintained?

3Do you meet this requirement: loan is for genuine business or personal needs, not speculative activity?

4Document checkDo you have this required document or proof: Application and KYC/identity/address proof?

Published source: Minimum income

5Document checkDo you have this required document or proof: Demat holding statement and security ownership evidence?

Published source: Minimum income

6Document checkDo you have this required document or proof: Income/financial information requested by Canara?

Published source: Minimum income

7Document checkDo you have this required document or proof: Pledge and substitution authorisations?

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; Canara demat/ route

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 typeLoan or overdraft against approved shares, debentures, PSU bonds, UTI or CBMF units for genuine business or personal needs.View source
The official page lists approved investment securities and permitted purposes.
Source
Canara Cash
Page / section
Purpose; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
RateRLLR 8.00% + 6.55% credit-risk premium = 14.55% effective p.a. in the current Canara retail table.View source
CANARA CASH: 8.00%, credit-risk premium 6.55%, effective rate 14.55%.
Source
Rates of interest for retail lending schemes linked to — Canara Bank
Page / section
Other retail lending schemes, row 12 — Canara Cash
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
BenchmarkRepo Linked Lending Rate (RLLR), 8.00% in Canara's current retail table (w.e.f. 12 March 2026).View source
Rates of Interest of all Retail Lending Schemes are linked to ; of the Bank — 8.00% w.e.f. 12.03.2026.
Source
Rates of interest for retail lending schemes linked to — Canara Bank
Page / section
heading and row 12 — Canara Cash
Accessed
12 Sept 2026
Confidence
high
Open official source ↗
Minimum incomeNo fixed income threshold is published; approved securities, demat holdings and repayment capacity are assessed.View source
The page sets security/margin conditions rather than a salary minimum.
Source
Canara Cash
Page / section
Eligibility; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹20 lakh where the demat account is maintained with Canara's depository participants. Shares/debentures: up to 50% market value; PSU bonds: up to 70%; UTI/CBMF units: up to 50% NAV or market value lower.View source
Canara publishes the ₹20 lakh cap and security-specific .
Source
Canara Cash
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.10% of loan amount, minimum ₹100 and maximum ₹250; for overdraft, the same charge applies at each renewal or enhancement.View source
The processing-charge section publishes the percentage, band and renewal rule.
Source
Canara Cash
Page / section
Processing Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
No prepayment penalty is listed.
Source
Canara Cash
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Keep investments while accessing cash
  • Up to ₹20 lakh where demat is with Canara
  • Shares/debentures up to 50% market value
  • bonds up to 70% market value
  • /CBMF units up to 50% or market value lower
  • Securities may be substituted up to 10 times
  • No prepayment penalty

Eligibility

  • Approved securities must be pledged and a minimum 30% margin maintained; loan is for genuine business or personal needs, not speculative activity.

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

Documents the bank lists

  • Application and /identity/address proof
  • Demat holding statement and security ownership evidence
  • Income/financial information requested by Canara
  • Pledge and substitution authorisations

Related official documents

Canara Cashofficial-product-page · current · accessed 30 Aug 2026
↗
Canara retail interest-rate rangeofficial-rate-table · current · accessed 30 Aug 2026
↗
Rates of interest for retail lending schemes linked to RLLR — benchmark follow-upofficial-rate-page · current · accessed 12 Sept 2026
↗
Rates of interest for retail lending schemes linked to RLLR — Canara Bankofficial-rate-page · current · accessed 12 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Rooftop Solar up to ₹2 lakh · Purpose / eligibilityResident/ with rooftop rights; 680+; no income/NTH minimum

This value is copied from Canara solar, agriculturist, pension and securities-loan terms. Check the table notes before relying on it.

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

Published tables

Complete rates, limits and schedules

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

Table 1 · 4 rows · 4 columnsCanara solar, agriculturist, pension and securities-loan termsPublished limits, eligibility, rates, fees, security and repayment terms from current Canara pages and calculator.View tableHide table

Scroll sideways to view every column

Canara solar, agriculturist, pension and securities-loan terms
ProductPurpose / eligibilityAmount / rateRepayment / charges
Rooftop Solar up to ₹2 lakhResident/ with rooftop rights; CIC 680+; no income/NTH minimumUp to ₹2 lakh incl. subsidy; 10% marginUp to 10 years/age 75; charges waived; subsidy ₹30,000–₹78,000
Housing to AgriculturistsAgriculturist, generally >5 irrigated or >10 dry acres; ₹5 lakh gross incomeNo upper limit subject to income; housing range 7.15%–10.00%Up to 30 years/age 75; 0.50%, ₹1,500–₹10,000 +
Canara PensionGovernment//corporate/family pensioner drawing through Canara₹5 lakh–₹15 lakh by age; rate calculator 10.40%–11.60%36–84 months by age; processing fully waived; no prepayment penalty
Canara CashApproved shares, debentures, bonds or units pledgedUp to ₹20 lakh; 50%/70% security-specific Tenure not published; 0.10%, ₹100–₹250; renewal charge repeats
Canara retail and agricultural loan pages · Quantum; Interest; Eligibility; Repayment; Processing; Security · accessed 30 Aug 2026Open official source ↗
Table 2 · 11 rows · 5 columnsCanara retail lending rates — selected schemesRows transcribed from Canara Bank's current RLLR-linked retail rate table. Effective rates are not APRs.View tableHide table

Scroll sideways to view every column

Canara retail lending rates — selected schemes
SchemePublished spread/concessionEffective rate(s)Conditions
Canara Home Loan Plus (Term Loan)8.00%0.55%–2.60% by CRG8.55%, 8.60%, 9.10%, 10.60%CRG 1–4
Canara Budget — Individual8.00%4.65%–6.70% by CRG12.65%, 12.70%, 13.20%, 14.70%CRG 1–4
Canara Budget — Prime8.00%1.70%–6.70% with salary tie-up; 2.70%–6.70% without9.70%–14.70% with tie-up; 10.70%–14.70% withoutCRG and salary tie-up
Canara Budget — Delight8.00%2.70%10.70%CRG 1–3; CRG 4 not eligible
Canara Budget — Special Package8.00%4.40% with salary tie-up; 5.40% without12.40%; 13.40%Salary tie-up condition
Canara Cash8.00%6.55%14.55%Other retail lending scheme
Canara-HEAL8.00%2.30%10.30%Other retail lending scheme
Canara Readycash8.00%1.70%9.70%Other retail lending scheme
Canara Insta Loan8.00%1.00%9.00%Other retail lending scheme
Canara Rooftop Solar CRTS–PMSGY up to ₹2 lakh8.00%−2.25% concession5.75%Up to ₹2 lakh
administrative switchover cost—0.25% of loan amountMinimum ₹250 + ; maximum ₹25,000 + Floating/fixed regime conversion for retail loans
  • The page states of 8.00% w.e.f. 12.03.2026.
  • Risk grade, borrower type, loan amount and salary tie-up determine the applicable row.
  • Published effective rates are interest rates, not calculations.
Rates of interest for retail lending schemes linked to — Canara Bank · heading; other retail lending schemes rows 6, 9–10, 12 and 20–23; switchover note · accessed 12 Sept 2026Open official source ↗

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