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Canara Gold Loan for Land Development

Agricultural gold loan for levelling, bunding, watershed, fencing, trenching, farm ponds and irrigation repairs, up to ₹35 lakh at up to 80% of appraised gold value.

Interest rateAgricultural gold-loan rate: one-year MCLR + 0.10% (effective 12 December 2025), subject to current Canara rate updates.Maximum amount₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value; overall agricultural-gold ceiling is ₹35 lakh per borrower.TenureWithin 12 months from sanction; monthly, quarterly, half-yearly instalments or lump-sum repayment.
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Quick eligibility check

Canara Gold Loan for Land Development

0 of 3 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: the loan is assessed against eligible agricultural purpose and pledged gold?

Published source: Minimum income

3Do you meet this requirement: Purpose is limited to eligible land-development activities including levelling, bunds, watershed work, fencing, trenching, farm ponds and irrigation-channel repair?

0 of 3 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 typeSingle-transaction agricultural gold loan for land development activities.View source
The page lists land levelling, bunding, watershed, fencing, trenching, farm ponds and irrigation repairs.
Source
Loans against Gold Jewellery for Land Development 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 current 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 agricultural 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
Loans against Gold Jewellery for Land Development Activities
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income minimum is published; the loan is assessed against eligible agricultural purpose and pledged gold.View source
The reviewed page gives purpose, gold and amount rules but no income threshold.
Source
Loans against Gold Jewellery for Land Development Activities
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹100 minimum and ₹35 lakh maximum, up to 80% of appraised gold value; overall agricultural-gold ceiling is ₹35 lakh per borrower.View source
The page states 80% of appraised value, ₹100 minimum and ₹35 lakh maximum.
Source
Loans against Gold Jewellery for Land Development Activities
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureWithin 12 months from sanction; monthly, quarterly, half-yearly instalments or lump-sum repayment.View source
The repayment row permits repayment within 12 months in the listed modes.
Source
Loans against Gold Jewellery for Land Development 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
Loans against Gold Jewellery for Land Development 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 the product benefits.
Source
Loans against Gold Jewellery for Land Development Activities
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Up to 80% of appraised gold value
  • ₹100 minimum and ₹35 lakh maximum
  • Gold jewellery or bank-sold coins up to 50 grams
  • Repayment up to 12 months
  • No prepayment penalty
  • Tiered processing charges excluding

Eligibility

  • Purpose is limited to eligible land-development activities including levelling, bunds, watershed work, fencing, trenching, farm ponds and irrigation-channel repair.

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
  • Land and activity records
  • Quotation or cost estimate for development work

Related official documents

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