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Canara Housing cum Solar Loan

Combined housing and rooftop-solar finance, with a solar component up to ₹10 lakh, subsidy support and repayment up to 20 years.

Interest rateHousing component follows the applicable Canara Housing Finance rate; the reviewed official rate-range page shows housing loans at 7.15%–10.00% p.a. contracted range (mean 8.06%). No separate solar spread is published.Maximum amountSolar component up to ₹10 lakh including subsidy. Housing component follows variant quantum; the page also notes Canara Home Loan Super Gain has a ₹20 lakh minimum and no upper limit.TenureMaximum 20 years in EMIs or the repayment period under the housing loan, whichever is earlier.
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Quick eligibility check

Canara Housing cum Solar Loan

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 separate solar-income threshold is published?

Published source: Minimum income

2Does your annual income meet this requirement: the housing component uses the selected Housing, or Agriculturist scheme's income eligibility?

Published source: Minimum income

3Do you meet this requirement: Applicant must have rooftop rights and sufficient area under MNRE norms, and a current electricity bill in the applicant's name with regular payment?

4Does your annual income meet this requirement: The housing component follows the selected housing scheme's income and eligibility rules?

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

India; eligible Canara housing-loan customers

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 typeCombined housing finance and rooftop solar PV loan for a new housing loan or an existing Canara housing-loan borrower.View source
Canara permits the solar component with fresh or existing housing loans.
Source
Housing cum Solar Loan
Page / section
Purpose; Solar Loan Component
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateHousing component follows the applicable Canara Housing Finance rate; the reviewed official rate-range page shows housing loans at 7.15%–10.00% p.a. contracted range (mean 8.06%). No separate solar spread is published.View source
Canara's rate-range table publishes the housing range; the solar page says housing rates apply.
Source
Interest Rate Range on Loans
Page / section
Housing Loan
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkThe applicable housing component is linked to the Housing Finance scheme; the solar page does not publish a separate benchmark or spread.View source
Canara states that the housing component follows the applicable housing variant.
Source
Housing cum Solar Loan
Page / section
Loan Quantum; Housing component
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Housing cum Solar Loan
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo separate solar-income threshold is published; the housing component uses the selected Housing, NRI or Agriculturist scheme's income eligibility.View source
The official page says the housing component follows the applicable housing scheme.
Source
Housing cum Solar Loan
Page / section
Loan Quantum; Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountSolar component up to ₹10 lakh including subsidy. Housing component follows variant quantum; the page also notes Canara Home Loan Super Gain has a ₹20 lakh minimum and no upper limit.View source
Canara publishes the ₹10 lakh solar cap and variant-dependent housing quantum.
Source
Housing cum Solar Loan
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureMaximum 20 years in EMIs or the repayment period under the housing loan, whichever is earlier.View source
The official repayment section publishes 20 years or housing-tenure cap.
Source
Housing cum Solar Loan
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; a 50% waiver is published for 1 July 2026 to 30 September 2026.View source
Canara publishes the fee band and dated waiver.
Source
Housing cum Solar Loan
Page / section
Processing charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureThe housing component follows the applicable housing scheme; the reviewed page does not publish a separate solar prepayment charge.View source
No separate solar prepayment fee is stated.
Source
Housing cum Solar Loan
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Rooftop solar PV financed with a new or existing housing loan
  • Solar component up to ₹10 lakh including subsidy
  • Housing component follows the applicable housing variant
  • Subsidy support up to ₹78,000 through the National Portal
  • Repayment up to 20 years or housing-loan tenure
  • 50% processing-charge waiver from 1 July 2026 to 30 September 2026

Eligibility

  • Applicant must have rooftop rights and sufficient area under MNRE norms, and a current electricity bill in the applicant's name with regular payment. The housing component follows the selected housing scheme's income and eligibility rules.

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

Documents the bank lists

  • Housing-loan application, , identity, residence and age proof
  • Six months salary slips/account statement or three years business/ records as applicable
  • Latest electricity bill, technical feasibility report and empanelled-vendor quotation
  • Property/title documents and approved plans for the housing component

Related official documents

Housing cum Solar Loanofficial-product-page · current · accessed 30 Aug 2026
↗
Canara retail loan interest-rate rangesofficial-rate-table · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

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.

Housing cum Solar · Purpose / eligibilityHousing borrower with rooftop rights and regular electricity bill

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

Source: Canara loan product pages and retail rate tables · 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 · 3 rows · 4 columnsCanara solar, agriculturist vehicle and Masters-loan termsPublished limits, rates, eligibility, fees, security, subsidy and repayment terms from Canara's official pages.View tableHide table

Scroll sideways to view every column

Canara solar, agriculturist vehicle and Masters-loan terms
ProductPurpose / eligibilityAmount / rateTenure / charges
Housing cum SolarHousing borrower with rooftop rights and regular electricity billSolar up to ₹10 lakh incl. subsidy; housing rate range 7.15%–10.00%Up to 20 years; 0.50%, ₹1,500–₹10,000 + ; subsidy up to ₹78,000
Vehicle to AgriculturistsQualifying agriculturist land/income; special farm activities ₹4 lakh incomeNo upper limit up to one year's income; used lower-of 60% tests or ₹50 lakh; vehicle range 7.45%–15.00%84 months new / 60 months used; 0.25%, ₹1,000–₹5,000 +
Masters Degree LoanIndian national with select-university admission and SAT/ACT/GRE/GMAT scoreAbove ₹7.50 lakh; no cap at 100%+ collateral, otherwise ₹1 croreUp to 15 years after moratorium; 0.50% max ₹10,000/₹20,000; no prepayment penalty
Canara loan product pages and retail rate tables · Quantum; Interest; Eligibility; Repayment; Processing; Security · accessed 30 Aug 2026Open official source ↗

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