Personal, home, vehicle & other loans

Canara Fisheries Loan

Finance for fishing boats, equipment, fisheries infrastructure and inland aquaculture with seasonal repayment options.

Interest rateCurrent agriculture/allied schedule (excluding agro and food processing): MCLR + 1.40% for various short-term and term loans up to ₹3 lakh; MCLR + 2.30% above ₹3 lakh up to ₹1 crore. Published scoring/rating spreads apply above ₹1 crore and liquidity premium is added for tenors over one year.Tenure4–7 years for non-mechanized boats; 8–12 years for mechanized boats; deep-sea vessels up to 8 years. Aquaculture cycles range from 1 year to 5–10 years by purpose.Loan typeAllied-activity term and working-capital finance for boats, fishing equipment and fish/shrimp culture.

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✓ Manually checked 30 Aug 2026 · active

Offered byCanara Bank

India; subject to Canara Bank eligibility and appraisal

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 typeAllied-activity term and working-capital finance for boats, fishing equipment and fish/shrimp culture.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Fisheries Loan
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

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The official publishes the agriculture/allied rate slabs; the reviewed Bee Keeping and Fisheries pages identify these products as allied-activity finance.

Source: Rate of Interest for Agriculture & Allied Activities — Canara Bank
Page / section: Page 1 sections I.A(i), I.B; pages 1–2 liquidity-premium table
Accessed: 12 Sept 2026
Confidence: high

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BenchmarkMCLR (Marginal Cost of Funds based Lending Rate), with the published agriculture/allied spread and applicable tenor-based liquidity premium.Effective 18 Aug 2026View source

The schedule is expressed as spreads over and adds liquidity premium for loans repayable beyond one year.

Source: Rate of Interest for Agriculture & Allied Activities — Canara Bank
Page / section: Pages 1–2 agriculture/allied slabs and liquidity-premium table
Accessed: 12 Sept 2026
Confidence: high

Open official source ↗

Tenure4–7 years for non-mechanized boats; 8–12 years for mechanized boats; deep-sea vessels up to 8 years. Aquaculture cycles range from 1 year to 5–10 years by purpose.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Fisheries Loan
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Mechanized and non-mechanized boats, catamarans, nets and equipment
Inland fish and shrimp culture, ponds, fingerlings, feed and labour
4–7 years for non-mechanized boats; 8–12 years for mechanized boats
Up to 4-month off-season holiday
15%–25% margin above ₹2 lakh; 25%–33% for deep-sea vessels

Eligibility

Experienced fishermen with trained crew, suitable harbour, transport, servicing and cold-storage facilities; local applicants ordinarily within 25–30 km of branch.

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

Documents the bank lists

Application, , experience, boat/equipment quotations, technical feasibility, registration, insurance and security documents

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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.

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Canara Krishi Mitra Card · Eligibility / purposeCultivator must not be a defaulter; only one person per family may receive finance.

This value is copied from Canara newly catalogued loan schemes. Check the table notes before relying on it.

Source: Canara loan catalogue and linked official product pages · Home, education, personal, mortgage, agriculture and solar loan sections Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 11 rows · 4 columnsCanara newly catalogued loan schemesNamed schemes absent from the previous canonical catalogue, transcribed from current official pages and linked retail rate tables.View tableHide table

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Canara newly catalogued loan schemes
Product	Eligibility / purpose	Amount / rate	Repayment / charges
Canara Krishi Mitra Card	Cultivator must not be a defaulter; only one person per family may receive finance.	Crop cultivation, post-harvest, household and consumption needs; Farm-asset repairs and crop insurance; Maximum ₹50,000 running limit	Nil margin and crop hypothecation; 12-month running-limit validity
Canara Self Help Group Finance	Group must be genuine, maintain records, show savings/credit activity and avoid local-authority interference.	Group active for at least six months; Six months of savings and credit activity; Democratic working and proper records	Productive borrowing and repayment culture
Canara Fisheries Loan	Experienced fishermen with trained crew, suitable harbour, transport, servicing and cold-storage facilities; local applicants ordinarily within 25–30 km of branch.	Mechanized and non-mechanized boats, catamarans, nets and equipment; Inland fish and shrimp culture, ponds, fingerlings, feed and labour; 4–7 years for non-mechanized boats; 8–12 years for mechanized boats	Up to 4-month off-season holiday; 15%–25% margin above ₹2 lakh; 25%–33% for deep-sea vessels
Canara Hi-Tech Agriculture Loan	Promoters provide qualifications, experience and three years of tax/financial records; technical staff, capital certification, shareholding and required clearances are assessed.	Tissue culture and hybrid seed production; Floriculture, mushroom and shrimp aquaculture; Bio-fertilisers, integrated poultry and fruit/vegetable processing	Automation, high productivity and value-added technology
Canara Bee Keeping (Apiculture) Loan	Applicant should have apiculture experience or knowledge; local crops must provide flowers through the year and permit bee migration.	Nil margin up to ₹2 lakh; 15%–25% margin above ₹2 lakh; Hypothecation up to ₹2 lakh; land mortgage above ₹2 lakh	3–4-year repayment in annual instalments; Initial holiday period of 1 year; cover required for eligible allied-activity loans up to ₹10 lakh
Canara Pradhan Mantri Awas Yojana	income up to ₹3 lakh; above ₹3 lakh to ₹6 lakh; above ₹6 lakh to ₹9 lakh. Beneficiary age 21–75 and family must have no pucca house anywhere in India.	Purchase or construct in urban/metro areas; ₹1.80 lakh subsidy for eligible tenure above 5 years; Lower of 4× income, 90% project cost or ₹25 lakh	House value up to ₹35 lakh; Processing charges waived; Compulsory property insurance
Canara IBA Model Education Loan	Student must be Indian national or with valid Indian passport and proof of admission; parent/guardian joins as borrower.	No collateral up to ₹7.50 lakh under eligible merit route; 5% margin in India and 15% abroad above ₹4 lakh; Up to 15 years after course-plus-one-year moratorium	No prepayment penalty; Course, hostel, travel, books, computer and insurance expenses considered
Canara Pradhan Mantri Vidyalaxmi Education Loan	Indian national or / pursuing education in India; open competitive or merit-based admission to listed QHEI.	Headline page rate 6.75% p.a.; linked table is institution/risk based; Nil processing charges; No collateral security	Full subvention up to ₹10 lakh for family income up to ₹4.5 lakh; 3% subvention up to ₹10 lakh for family income ₹4.5–₹8 lakh; Up to 15 years after course-plus-one-year moratorium; Life insurance mandatory above ₹7.50 lakh
Canara Rainwater Harvesting Loan	Individuals constructing or modifying a house may apply; existing housing-loan borrowers may continue the residential mortgage.	75% of estimated cost within published unit-cost bands; Unit costs ₹57,700–₹1.85 lakh by plot size; 25% margin	0.50% fee, ₹1,500–₹10,000; 60 ; Pipeline, barrel and filter hypothecation; No prepayment penalty
Canara Pension Loan for Bank Ex-Employees	Retired Canara pensioners or family pensioners; spouse co-obligation or third-party guarantee applies as specified.	20 months' pension or ₹10 lakh, whichever is lower; Second mediclaim-premium loan capped at ₹90,000 and overall eligibility; Nil margin and 100% fee waiver	25% net take-home after proposed ; 72 if under 65; 60 if older; Premium component repaid in 10 ; No prepayment penalty
Canara Rooftop Solar CRTS-PMSGY Above ₹2 Lakh	Rooftop rights and latest electricity bill required; CIC score at least 680 or no-history band −1 to 99; applicants above 65 need legal-heir co-obligant below 60.	₹2 lakh–₹6 lakh including subsidy; Residential on-grid PV above 3 kW to 10 kW; 20% minimum project-cost margin	₹3 lakh minimum annual income; Up to 10 years or age 75; Six-month holiday case-by-case; No processing or service charges; ₹78,000 subsidy support for >3 kW–10 kW

Canara loan catalogue and linked official product pages · Home, education, personal, mortgage, agriculture and solar loan sections · 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

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Canara agriculture and allied activities — rate schedule (updated 18 August 2026)
Product / slab	Rate or spread	Amount / rating / security	Condition
Various short-term and term agriculture/allied loans	+ 1.40%	Up to ₹3 lakh	Excludes agro/food processing
Kisan Credit Card — subvention	7% p.a.	Up to ₹3 lakh	Subvention slab
Kisan Credit Card — non-subvention	+ 1.40%	Up to ₹3 lakh	One-year wording
Kisan Credit Card	+ 2.30%	Above ₹3 lakh	Spread over
Kisan Credit Card — non-subvention	+ 2.30%	Above ₹3 lakh	One-year wording
Various short-term and term agriculture/allied loans	+ 2.30%	Above ₹3 lakh to ₹1 crore	Spread over
Various short-term and term loans — scoring lower/middle/higher/highest	+ 2.20% / 2.35% / 2.80% / 3.50%	₹1–2 crore	Scoring 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 unrated	Internal 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 crore	External rating
Additional interest on FB facilities	+0.50% p.a. / +1.00%	Above ₹50–100 crore / above ₹100 crore	Externally unrated
Additional commission on NFB facilities	+0.10% p.a.	Externally unrated	Until 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 years	Loaded unless exempted
Agriculture gold loan	+ 0.10%	Up to ₹35 lakh	Agriculture/allied
Agricultural gold overdraft	+ 0.30%	Up to ₹5 lakh	Agriculturist
under NRLM	7%; one-year ; + 1.25% (A) / +2.00% (B)	Up to ₹3 lakh; ₹3–5 lakh; above ₹5 lakh	Marks-secured grade
other than NRLM	7%; one-year + 1%; + 1.50% (A) / +2.25% (B)	Up to ₹3 lakh; ₹3–5 lakh; above ₹5 lakh	Marks-secured grade
Estate Purchase Loan	+ 2.80% + LP / + 6.55% + LP	Collateral above 50% / other	Term loan only
Small tractor scheme (up to 30 HP)	One-year + 1.55% + LP / +2.05% + LP	Up to ₹3 lakh / above ₹3 lakh	Liquidity premium
Matsya Suraksha	One-year + 1.05%	Standard	4% if DRI-qualified and ₹15,000 quantum
Matsya Parirakshan	One-year + 1.05%	Standard	4% if DRI-qualified and ₹15,000 quantum
Matsya Samrudhi	One-year + 1.05%	Standard	Fisheries/aquaculture
term loan	One-year + 1.55% + LP	Farmers Producer Organisation	Term loan
working capital	One-year + 1.55%	Farmers Producer Organisation	Working capital
Custom Hiring Centre	+ 1.70% + LP / + 1.45% + LP	100% / >100% immovable-security coverage	Farm machinery hiring
Canara Consumption Loan	One-year + 0.20%	Natural-calamity consumption loan	Scheme 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 processing	Separate 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 ↗

Table 3 · 5 rows · 4 columnsCurrent Canara agriculture product page termsView tableHide table

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Current Canara agriculture product page terms
Product	Purpose / eligibility	Margin / security	Repayment / amount
Bee Keeping	Bee boxes, hives, extractors, smokers, colonies, combs and sugar; experience/knowledge and year-round flowers with bee migration.	Up to ₹2 lakh nil; above ₹2 lakh 15–25%; hypothecation and land mortgage above ₹2 lakh; for eligible allied loans up to ₹10 lakh.	3–4 years annual instalments; initial one-year holiday.
Fisheries boats/equipment	Professional fishermen; trained crew, local branch proximity, fishing grounds, harbour, transport, repairs, cold storage and marketing.	Up to ₹2 lakh nil; above ₹2 lakh 15–25%; hypothecation, with land mortgage or third-party co-obligation for boats.	Non-mechanized 4–7 years; mechanized 8–12 years; seasonal instalments and up to four-month off-season holiday.
Fisheries deep-sea and aquaculture	Qualified skipper/experienced promoter; vessel and catch potential; aquaculture requires owned/leased water area, guidance, fingerlings and facilities.	Deep-sea margin 25–33% and immovable collateral 200%; aquaculture up to ₹2 lakh nil, above ₹2 lakh 15–25%.	Deep-sea max 8 years; shrimp/fish cycles 1 year; pond repair 5–8 or 5–10 years with 11-month holiday.
Hi Tech Agriculture	Biotechnology, floriculture, mushroom, shrimp, bio-fertiliser, integrated poultry and post-harvest processing; three years of tax/audited records and clearances.	Up to ₹2 lakh nil; above ₹2 lakh 15–25%; hypothecation, then land mortgage at 125% of loan amount.	Project/viability based; term loans 7–15 years; working capital follows project cycle.
Krishi Mitra Card	Tenant/sharecropper/oral lessee, contractual cultivator, farmer without proper records or tiny holding; non-defaulter; one per family.	Nil margin; crop hypothecation.	Maximum ₹50,000; running limit tenable for 12 months.

Page terms reviewed 12 September 2026; rate schedule is maintained in the linked official table.

Current Canara agriculture product pages · Complete official pages for Bee Keeping, Fisheries, Hi Tech Agriculture and Krishi Mitra Card · accessed 12 Sept 2026Open official source ↗

Canara Fisheries Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

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Canara Bee Keeping (Apiculture) Loan

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