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Canara Kisan

Agricultural overdraft for allied activities, farm-equipment maintenance, consumption and genuine private debts, with limits up to ₹12.50 lakh secured by land.

Interest rateAgriculture-rate table: spread over MCLR is 1.40% for agricultural loans up to ₹3 lakh and 2.30% above ₹3 lakh up to ₹1 crore; Kisan OD follows the applicable agricultural slab.Maximum amountMinimum limit ₹1.50 lakh; maximum ₹12.50 lakh. Finance is capped at ₹1.50 lakh per acre and 50% of landed-property value, with at least 15% residential-property security.TenureTenability is 12 months; interest is debited half-yearly in March/September and recovered within 90 days.
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Quick eligibility check

Canara Kisan

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 rupee income minimum is published?

Published source: Minimum income

2Do you meet this requirement: applicants need three years of prompt-repayment incentive and acceptable agricultural repayment capacity?

Published source: Minimum income

3Do you meet this requirement: Farmers who received prompt-repayment incentive for the past three years may apply?

4Do you meet this requirement: Owner cultivators, allied-activity farmers, / and holders are eligible if not defaulters?

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 typeAgricultural overdraft for allied activities, machinery maintenance, non-farm working capital, consumption and genuine private debts.View source
The official purpose list includes allied activities, repairs, non-farm needs and consumption.
Source
Canara Kisan
Page / section
Purpose; Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateAgriculture-rate table: spread over MCLR is 1.40% for agricultural loans up to ₹3 lakh and 2.30% above ₹3 lakh up to ₹1 crore; Kisan OD follows the applicable agricultural slab.View source
The official table publishes agricultural spreads by amount.
Source
Rate of Interest for Agriculture & Allied Activities
Page / section
Agriculture loans
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkOne-year Marginal Cost of Funds based Lending Rate (MCLR).View source
The agricultural rate table expresses spreads over .
Source
Rate of Interest for Agriculture & Allied Activities
Page / section
Agriculture loans
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Canara Kisan
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo rupee income minimum is published; applicants need three years of KCC prompt-repayment incentive and acceptable agricultural repayment capacity.View source
The page specifies repayment history and borrower types, not a salary minimum.
Source
Canara Kisan
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountMinimum limit ₹1.50 lakh; maximum ₹12.50 lakh. Finance is capped at ₹1.50 lakh per acre and 50% of landed-property value, with at least 15% residential-property security.View source
Canara publishes the amount, per-acre and land-value caps.
Source
Canara Kisan
Page / section
Quantum; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureTenability is 12 months; interest is debited half-yearly in March/September and recovered within 90 days.View source
The repayment row gives the 12-month term and recovery window.
Source
Canara Kisan
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNot published on the reviewed Kisan OD page; applicable agricultural service charges must be confirmed before sanction.View source
The product page gives no processing-charge figure.
Source
Canara Kisan
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published as a separate charge; the page describes a 12-month overdraft facility.View source
No separate prepayment fee is shown.
Source
Canara Kisan
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Working capital for allied activities and farm machinery
  • Minimum ₹1.50 lakh and maximum ₹12.50 lakh
  • ₹1.50 lakh per acre ceiling subject to 50% land value
  • At least 15% residential-property security
  • 12-month tenability
  • Interest debited half-yearly

Eligibility

  • Farmers who received prompt-repayment incentive for the past three years may apply. Owner cultivators, allied-activity farmers, / and holders are eligible if not defaulters.

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

Documents the bank lists

  • Application, , land records and income/crop evidence
  • Mortgage/title documents for landed security
  • Details of existing and repayment history
  • Purpose and cost evidence for allied/farm activities

Related official documents

Rate of Interest for Agriculture & Allied Activitiesofficial-rate-table · current · accessed 30 Aug 2026
↗
Canara Kisan ODofficial-product-page · current · accessed 30 Aug 2026
↗

Plan before applying

Try the numbers

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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

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Kisan · Purpose / eligibilityOwner cultivator/allied farmer; prompt-repayment incentive for 3 years

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

Source: Canara agricultural loan pages and rate table · Eligibility; Quantum; Interest; Security; 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 loan termsPublished limits, agricultural eligibility, rates, security and repayment terms from official Canara pages.View tableHide table

Scroll sideways to view every column

Canara agricultural loan terms
ProductPurpose / eligibilityAmount / rateSecurity / repayment
Kisan Owner cultivator/allied farmer; prompt-repayment incentive for 3 years₹1.50–₹12.50 lakh; agricultural spreads 1.40%/2.30% by amountLand security at 200% with residential component; 12-month
Kisan All Purpose Term LoanExisting Canara agricultural borrower with 3-year track recordUp to ₹20 lakh; 5× farm income or 50% land value lower; spreads by bandHypothecation plus land charge/mortgage; 9 years
Agricultural DRIFamily income ceiling ₹18,000 rural/₹24,000 urban; small landholding₹15,000 agriculture or ₹20,000 housing; simple 4% p.a.Hypothecation of financed movable assets; 36 months
Canara agricultural loan pages and rate table · Eligibility; Quantum; Interest; Security; Repayment · accessed 30 Aug 2026Open official source ↗

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