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Canara Gold Loan for Crop Cultivation

Agricultural gold loan for crop-cultivation expenses, up to 80% of appraised gold value and ₹10 lakh, repayable within 12 months.

Interest rateOne-year MCLR + 0.10% p.a. for Agricultural Gold Loan schemes, effective from 12 December 2025 in Canara's official rate table.Maximum amount₹100 minimum and ₹10 lakh maximum; up to 80% of appraised gold value, restricted to the lower of lending-rate-per-gram or scale-of-finance amount.TenureMaximum 12 months from sanction, with monthly, quarterly, half-yearly instalments or lump-sum payment; simple interest has half-yearly rest.
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Quick eligibility check

Canara Gold Loan for Crop Cultivation

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 universal rupee income minimum is published?

Published source: Minimum income

2Do you meet this requirement: crop purpose, agricultural evidence and the applicable scale of finance are required?

Published source: Minimum income

3Does your annual income meet this requirement: Agricultural borrower must evidence crop-cultivation need and acceptable income/land or scale-of-finance documentation?

4Do you meet this requirement: gold appraisal and apply?

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

India; 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 typeAgricultural gold term loan for crop-cultivation expenses against pledged jewellery or eligible coins.View source
The page limits purpose to crop cultivation and identifies pledged gold.
Source
Canara Gold Loan for Crop Cultivation
Page / section
Purpose; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateOne-year MCLR + 0.10% p.a. for Agricultural Gold Loan schemes, effective from 12 December 2025 in Canara's official rate table.View source
Canara lists Agriculture Gold Loans at one-year + 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 agricultural gold row names 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
Canara Gold Loan for Crop Cultivation
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo universal rupee income minimum is published; crop purpose, agricultural evidence and the applicable scale of finance are required.View source
The product page sets crop-purpose/scale-of-finance limits rather than a salary threshold.
Source
Canara Gold Loan for Crop Cultivation
Page / section
Eligibility; Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹100 minimum and ₹10 lakh maximum; up to 80% of appraised gold value, restricted to the lower of lending-rate-per-gram or scale-of-finance amount.View source
The quantum section publishes ₹100–₹10 lakh and 80% with lower-of restriction.
Source
Canara Gold Loan for Crop Cultivation
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 12 months from sanction, with monthly, quarterly, half-yearly instalments or lump-sum payment; simple interest has half-yearly rest.View source
Canara publishes the 12-month term and repayment frequencies.
Source
Canara Gold Loan for Crop Cultivation
Page / section
Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeAgricultural gold-loan slab: nil 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 official service-charge table publishes six agricultural gold-loan slabs.
Source
Service Charges on Gold Loan Schemes
Page / section
Agricultural Gold Loan processing charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
No prepayment penalty is listed.
Source
Canara Gold Loan for Crop Cultivation
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Crop-cultivation purpose
  • Up to 80% of appraised gold value, subject to lending-rate-per-gram or scale-of-finance cap
  • ₹100–₹10 lakh
  • Monthly, quarterly, half-yearly instalments or lump sum
  • Simple interest with half-yearly rest
  • No prepayment penalty

Eligibility

  • Agricultural borrower must evidence crop-cultivation need and acceptable income/land or scale-of-finance documentation; gold appraisal and apply.

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

Documents the bank lists

  • Application, and residence proof
  • Gold jewellery or bank-sold coins up to 50 grams for pledge
  • Land/crop and scale-of-finance or agricultural-income evidence as requested

Related official documents

Canara Gold Loan for Crop Cultivationofficial-product-page · current · accessed 30 Aug 2026
↗
Canara gold-loan rates and service chargesofficial-rate-table · current · accessed 30 Aug 2026
↗
Service Charges on Gold Loan Schemesofficial-charge-table · current · accessed 30 Aug 2026
↗

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Loan repayment estimate

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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

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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Swarna Express · Purpose / securityResident/; gold jewellery or coins up to 50g

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

Source: Canara gold-loan pages and official rate/charge tables · Gold schemes; Agricultural gold schemes; Processing charges 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 Swarna and agricultural gold-loan termsPublished gold-security, LTV, rates, fees and repayment terms from current Canara pages and shared tables.View tableHide table

Scroll sideways to view every column

Canara Swarna and agricultural gold-loan terms
ProductPurpose / securityAmount / rateRepayment / charges
Swarna ExpressResident/; gold jewellery or coins up to 50g₹5,000–₹50 lakh; + 0.95%6-month bullet; 0.15%, ₹125–₹1,500
Swarna Monthly InterestResident/; gold jewellery or coins up to 50g75% appraised value; ₹5,000–₹35 lakh; + 0.95%12 months; monthly interest; 0.30%, ₹250–₹3,000
Gold Crop LoanCrop cultivation; pledged gold80% appraised value; ₹100–₹10 lakh; 1-year + 0.10%12 months instalment/lump sum; agricultural slab fees
Gold Crop OverdraftCrop cultivation; pledged gold80% appraised value; ₹100–₹10 lakh; 1-year + 0.10%12-month revolving; monthly interest; agricultural slab fees
Canara gold-loan pages and official rate/charge tables · Gold schemes; Agricultural gold schemes; Processing charges · accessed 30 Aug 2026Open official source ↗

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