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Canara Housing Loan to Agriculturists

Housing finance for agriculturists with no upper limit subject to income, ₹5 lakh minimum gross annual income and repayment up to 30 years or age 75.

Interest rateThe official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%); the agriculturist variant follows the housing scheme and borrower CRG.Maximum amountNo upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×); other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh; furnishing up to 15% or ₹50 lakh lower.TenureUp to 30 years or age 75, whichever is earlier.
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Quick eligibility check

Canara Housing Loan to Agriculturists

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: Minimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required?

Published source: Minimum income

2Does your annual income meet this requirement: Agriculturists generally need over 5 acres irrigated or 10 acres dry land, two years' satisfactory Canara dealings and minimum gross annual income of ₹5 lakh?

3Does your annual income meet this requirement: Income certificates from competent revenue authorities may be accepted?

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 typeHousing finance for agriculturists, dairy/allied farmers, planters and horticulturists for purchase, construction, site-plus-construction, repairs and eligible takeovers.View source
Canara lists the housing purposes and agricultural borrower groups.
Source
Housing Loan to Agriculturists
Page / section
Purpose; Eligible borrowers
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateThe official retail range table shows Housing Loan contracted rates of 7.15%–10.00% p.a. (mean 8.06%); the agriculturist variant follows the housing scheme and borrower CRG.View source
Canara publishes the housing range; the agriculturist page applies the housing scheme.
Source
Interest Rate Range on Loans
Page / section
Housing Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNo separate benchmark is stated on the agriculturist product page; the applicable housing retail table governs pricing.View source
No named benchmark/spread appears on the product page.
Source
Housing Loan to Agriculturists
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Housing Loan to Agriculturists
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum gross annual income ₹5 lakh for eligible agriculturists, with over 5 acres irrigated or 10 acres dry land and two years' satisfactory Canara dealings generally required.View source
Canara publishes the ₹5 lakh income and land/dealings conditions.
Source
Housing Loan to Agriculturists
Page / section
Eligibility; Income proof
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountNo upper limit subject to income. Salaried: up to 72× monthly gross (selectively 96×); other-than-salaried: up to 6× three-year average gross income (selectively 8×). Repairs up to ₹15 lakh; furnishing up to 15% or ₹50 lakh lower.View source
The quantum section publishes income multiples and repair/furnishing limits.
Source
Housing Loan to Agriculturists
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureUp to 30 years or age 75, whichever is earlier.View source
The official repayment row publishes 30 years or age 75.
Source
Housing Loan to Agriculturists
Page / section
Repayment Tenure
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.50% of loan amount, minimum ₹1,500 plus GST and maximum ₹10,000 plus GST; 50% waiver published for 1 July 2026 to 30 September 2026.View source
Canara publishes the fee band and dated waiver.
Source
Housing Loan to Agriculturists
Page / section
Processing Charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
No prepayment penalty is listed.
Source
Housing Loan to Agriculturists
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Ready-built purchase, construction, site plus construction and repairs
  • No upper limit subject to income
  • Salaried up to 72× monthly gross; selective 96×
  • Other-than-salaried up to 6× three-year average gross income; selective 8×
  • Repairs up to ₹15 lakh and furnishing up to 15% or ₹50 lakh lower
  • No prepayment penalty and optional Home Loan Secure cover

Eligibility

  • Agriculturists generally need over 5 acres irrigated or 10 acres dry land, two years' satisfactory Canara dealings and minimum gross annual income of ₹5 lakh. Income certificates from competent revenue authorities may be accepted.

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

Documents the bank lists

  • Housing application, , identity, residence and age proof
  • Property title, link documents, encumbrance, khata, tax and approved-plan records
  • Three years' /financial records or salary statements as applicable
  • Land records and agricultural income certificate; documents where applicable

Related official documents

Housing Loan to Agriculturistsofficial-product-page · current · accessed 30 Aug 2026
↗
Canara retail interest-rate rangeofficial-rate-table · 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

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Rooftop Solar up to ₹2 lakh · Purpose / eligibilityResident/ with rooftop rights; 680+; no income/NTH minimum

This value is copied from Canara solar, agriculturist, pension and securities-loan terms. Check the table notes before relying on it.

Source: Canara retail and agricultural loan pages · Quantum; Interest; Eligibility; Repayment; Processing; Security 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 solar, agriculturist, pension and securities-loan termsPublished limits, eligibility, rates, fees, security and repayment terms from current Canara pages and calculator.View tableHide table

Scroll sideways to view every column

Canara solar, agriculturist, pension and securities-loan terms
ProductPurpose / eligibilityAmount / rateRepayment / charges
Rooftop Solar up to ₹2 lakhResident/ with rooftop rights; CIC 680+; no income/NTH minimumUp to ₹2 lakh incl. subsidy; 10% marginUp to 10 years/age 75; charges waived; subsidy ₹30,000–₹78,000
Housing to AgriculturistsAgriculturist, generally >5 irrigated or >10 dry acres; ₹5 lakh gross incomeNo upper limit subject to income; housing range 7.15%–10.00%Up to 30 years/age 75; 0.50%, ₹1,500–₹10,000 +
Canara PensionGovernment//corporate/family pensioner drawing through Canara₹5 lakh–₹15 lakh by age; rate calculator 10.40%–11.60%36–84 months by age; processing fully waived; no prepayment penalty
Canara CashApproved shares, debentures, bonds or units pledgedUp to ₹20 lakh; 50%/70% security-specific Tenure not published; 0.10%, ₹100–₹250; renewal charge repeats
Canara retail and agricultural loan pages · Quantum; Interest; Eligibility; Repayment; Processing; Security · accessed 30 Aug 2026Open official source ↗

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