Personal, home, vehicle & other loans

Canara Self Help Group Finance

Credit for genuine, savings-led Self Help Groups with productive borrowing and repayment discipline.

RateFor agriculture/allied activities (excluding food and agro-processing): up to ₹3 lakh 7% p.a.; above ₹3 lakh to ₹5 lakh 1-year MCLR; above ₹5 lakh, MCLR + 1.25% (A grade) or MCLR + 2.00% (B grade). For food/agro-processing: up to ₹3 lakh 7%; above ₹3 lakh to ₹5 lakh RLLR; above ₹5 lakh MCLR + 1.25% (A grade) or +2.00% (B grade).Maximum amountUp to ₹20 lakh, with nil margin and no collateral; loans up to ₹20 lakh must have CGFMU coverage.TenureTerm-loan repayment: first dose 24–36 months; second 36–48 months; third 48–60 months; fourth dose onward 60–84 months, based on cash flow.

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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 typeGroup finance for productive activities of eligible savings-led Self Help Groups.View source

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

Source: Canara Self Help Group Finance
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

The page prints separate ₹3 lakh and ₹5 lakh slabs and A/B marks-secured spreads for agriculture/allied and food/agro-processing activities.

Source: Scheme for Financing through — Canara Bank
Page / section: Rate of Interest, lines 353–364
Accessed: 12 Sept 2026
Confidence: high

Open official source ↗

Benchmark1-year MCLR for the ₹3–₹5 lakh agriculture/allied slab; RLLR for the ₹3–₹5 lakh food/agro-processing slab; higher slabs use the published MCLR spreads by marks-secured grade.View source

The page names the benchmark for each activity and slab rather than providing a single universal rate.

Source: Scheme for Financing through — Canara Bank
Page / section: Rate of Interest, lines 353–364
Accessed: 12 Sept 2026
Confidence: high

Open official source ↗

Minimum incomeNo individual income minimum is published; the group must have at least six months of savings and credit operations.View source

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

Source: Canara Self Help Group Finance
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountUp to ₹20 lakh, with nil margin and no collateral; loans up to ₹20 lakh must have CGFMU coverage.View source

Quantum and Margin: up to Rs 20.00 lakhs, margin nil and no collateral; coverage is mandatory up to ₹20 lakh.

Source: Scheme for Financing through — Canara Bank
Page / section: Quantum and Margin;
Accessed: 12 Sept 2026
Confidence: high

Open official source ↗

TenureTerm-loan repayment: first dose 24–36 months; second 36–48 months; third 48–60 months; fourth dose onward 60–84 months, based on cash flow.View source

The page publishes four repayment-dose ranges tied to the cash flow.

Source: Scheme for Financing through — Canara Bank
Page / section: Repayment for Term Loans, lines 348–352
Accessed: 12 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

Group active for at least six months
Six months of savings and credit activity
Democratic working and proper records
Productive borrowing and repayment culture

Eligibility

Group must be genuine, maintain records, show savings/credit activity and avoid local-authority interference.

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

Documents the bank lists

Group resolution, member register, six-month savings and credit books, , purpose and repayment plan

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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 · 7 rows · 4 columnsCanara SHG finance — published rate and repayment slabsView tableHide table

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Canara SHG finance — published rate and repayment slabs
Activity / slab	Published rate	Benchmark or condition	Repayment / limit
Agriculture/allied up to ₹3 lakh	7% p.a.	—	Up to ₹20 lakh overall; nil margin/no collateral
Agriculture/allied above ₹3–₹5 lakh	1-year	—	Dose-based repayment 24–84 months
Agriculture/allied above ₹5 lakh	+ 1.25% (A) or +2.00% (B)	Marks-secured grade	Dose-based repayment 24–84 months
Food/agro-processing up to ₹3 lakh	7% p.a.	—	Up to ₹20 lakh overall; mandatory
Food/agro-processing above ₹3–₹5 lakh		—	Dose-based repayment 24–84 months
Food/agro-processing above ₹5 lakh	+ 1.25% (A) or +2.00% (B)	Marks-secured grade	Dose-based repayment 24–84 months
Term-loan doses	—	Based on cash flow	1st 24–36; 2nd 36–48; 3rd 48–60; 4th onward 60–84 months

The page also requires the to have been active with savings/credit operations for at least six months and maintain records.
Rates are scheme-published slabs; final sanction remains subject to applicable bank rules.

Scheme for Financing through — Canara Bank · Eligibility, Quantum and Margin, Repayment and Rate of Interest · accessed 12 Sept 2026Open official source ↗

Table 3 · 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 ↗

Canara Self Help Group Finance

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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