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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
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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.
Rate of Interest for Agriculture & Allied Activities — Canara Bank · Pages 1–4, complete published · effective 18 Aug 2026 · accessed 12 Sept 2026Open official source ↗
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 lakh15–25%; 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 lakh15–25%; 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 lakh15–25%.
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 lakh15–25%; 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 ↗
