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Canara Gold Overdraft for Allied Activities

Revolving agricultural gold overdraft for allied activities, with multiple transactions, monthly interest servicing and a 12-month limit up to ₹35 lakh.

Interest rateAgricultural gold-loan rate: one-year MCLR + 0.10% (effective 12 December 2025), subject to current Canara rate updates.Maximum amount₹2 lakh minimum and ₹35 lakh maximum, up to 80% of appraised gold value and subject to the ₹35 lakh agricultural-gold ceiling.TenureRevolving facility tenable for up to 12 months; monthly interest must be serviced.
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Quick eligibility check

Canara Gold Overdraft for Allied Activities

0 of 4 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: No income minimum is published?

Published source: Minimum income

2Do you meet this requirement: assessment is based on eligible allied activity and pledged gold?

Published source: Minimum income

3Do you meet this requirement: Purpose is limited to fisheries, animal husbandry, poultry, beekeeping and sericulture?

4Do you meet this requirement: Quantum is restricted to the lower of lending-rate-per-gram value or project cost?

0 of 4 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; eligible agricultural borrowers

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 typeRevolving agricultural gold overdraft for allied activities with multiple transactions and monthly interest servicing.View source
The page describes a revolving facility and allows multiple transactions within the limit.
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Purpose; Nature of Facility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateAgricultural gold-loan rate: one-year MCLR + 0.10% (effective 12 December 2025), subject to current Canara rate updates.View source
Canara's rate table lists agriculture gold loans at one-year plus 0.10%.
Source
Loans Interest Rates
Page / section
Agricultural Gold Loan schemes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkOne-year Marginal Cost of Funds based Lending Rate (MCLR).View source
The agriculture gold rate is expressed over one-year .
Source
Loans Interest Rates
Page / section
Agricultural Gold Loan schemes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income minimum is published; assessment is based on eligible allied activity and pledged gold.View source
No income threshold appears on the reviewed page.
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹2 lakh minimum and ₹35 lakh maximum, up to 80% of appraised gold value and subject to the ₹35 lakh agricultural-gold ceiling.View source
The page states the ₹2 lakh minimum, ₹35 lakh maximum and 80% .
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureRevolving facility tenable for up to 12 months; monthly interest must be serviced.View source
The repayment row specifies 12-month tenability and monthly interest servicing.
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee₹0 up to ₹50,000; ₹250 above ₹50,000–₹1 lakh; ₹500 above ₹1–₹3 lakh; ₹1,100 above ₹3–₹5 lakh; ₹1,450 above ₹5–₹10 lakh; ₹2,750 above ₹10 lakh, excluding GST.View source
The page publishes six consolidated processing-charge slabs excluding .
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Consolidated Processing Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
No prepayment penalty is listed among benefits.
Source
Overdraft against Gold Jewellery for Allied Activities
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Revolving overdraft with multiple transactions
  • Up to 80% of appraised gold value
  • ₹2 lakh minimum and ₹35 lakh maximum
  • 12-month tenability with monthly interest servicing
  • Gold jewellery or bank-sold coins up to 50 grams
  • No prepayment penalty

Eligibility

  • Purpose is limited to fisheries, animal husbandry, poultry, beekeeping and sericulture. Quantum is restricted to the lower of lending-rate-per-gram value or project cost.

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

Documents the bank lists

  • Application and
  • Gold jewellery/eligible coins for appraisal and pledge
  • Allied-activity and project-cost evidence
  • Repayment and cash-flow details

Related official documents

Canara gold-loan rates and service chargesofficial-rate-and-charge-table · current · accessed 30 Aug 2026
↗
Overdraft against Gold Jewellery for Allied Activitiesofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

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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.

Land development · PurposeLevelling, bunds, watershed, fencing, trenching, ponds and irrigation repairs

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

Source: Canara agricultural gold pages and rate/charge tables · Purpose; Quantum; Interest; Processing; 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 gold loan termsPublished purpose, limits, rates, fees and repayment terms from Canara's agricultural gold pages.View tableHide table

Scroll sideways to view every column

Canara agricultural gold loan terms
ProductPurposeAmount / rateRepayment / charges
Land developmentLevelling, bunds, watershed, fencing, trenching, ponds and irrigation repairs₹100–₹35 lakh; up to 80% gold value; 1-year + 0.10%Up to 12 months; ₹0–₹2,750 processing excluding ; no prepayment penalty
Allied monthly instalmentsFisheries, animal husbandry, poultry, beekeeping and sericulture₹100–₹35 lakh; up to 80% gold value; 1-year + 0.10%Monthly instalments within 12 months; ₹0–₹2,750 excluding
Allied overdraftSame allied activities; revolving multiple-transaction facility₹2–₹35 lakh; up to 80% gold value; 1-year + 0.10%12-month with monthly interest; ₹0–₹2,750 excluding
Canara agricultural gold pages and rate/charge tables · Purpose; Quantum; Interest; Processing; Repayment · accessed 30 Aug 2026Open official source ↗

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