Personal, home, vehicle & other loans

Canara Pradhan Mantri Awas Yojana

Urban housing loan for eligible , and families, with published interest-subsidy eligibility.

Interest rateThe page says lower reducing-balance interest but does not publish a separate PMAY percentage.Maximum amountLower of 4× annual gross income subject to 25% NTH, 90% of project cost or ₹25 lakh; house/flat value must not exceed ₹35 lakh.TenureMaximum 30 years or until applicant/co-obligant reaches age 75, whichever is earlier; subsidy requires tenure above 5 years.

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✓ Manually checked 30 Aug 2026 · active

Offered byCanara Bank

India; subject to Canara Bank eligibility and appraisal

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 typeUrban housing loan for ready-built home/flat purchase, construction or eligible site-plus-construction under PMAY.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Interest rateThe page says lower reducing-balance interest but does not publish a separate PMAY percentage.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

BenchmarkNo PMAY-specific benchmark or spread is published on the product page.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

APRNot published on the reviewed PMAY page.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Minimum incomeEWS up to ₹3 lakh, LIG above ₹3 lakh to ₹6 lakh and MIG above ₹6 lakh to ₹9 lakh; minimum NTH after proposed EMI is ₹10,000.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Maximum amountLower of 4× annual gross income subject to 25% NTH, 90% of project cost or ₹25 lakh; house/flat value must not exceed ₹35 lakh.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureMaximum 30 years or until applicant/co-obligant reaches age 75, whichever is earlier; subsidy requires tenure above 5 years.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeProcessing charges are waived.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNo prepayment penalty.View source

The reviewed official page was read through its purpose, eligibility, amount, margin, security, repayment and charge sections.

Source: Canara Pradhan Mantri Awas Yojana
Page / section: Complete official product page
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

Purchase or construct in urban/metro areas
₹1.80 lakh subsidy for eligible tenure above 5 years
Lower of 4× income, 90% project cost or ₹25 lakh
House value up to ₹35 lakh
Processing charges waived
Compulsory property insurance

Eligibility

income up to ₹3 lakh; above ₹3 lakh to ₹6 lakh; above ₹6 lakh to ₹9 lakh. Beneficiary age 21–75 and family must have no pucca house anywhere in India.

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

Documents the bank lists

Application, , salary/Form 16/ or self-declared income affidavit, 13-year title chain, encumbrance, plans, completion/occupancy and sale documents

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Loan repayment estimate

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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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Canara Krishi Mitra Card · Eligibility / purposeCultivator must not be a defaulter; only one person per family may receive finance.

This value is copied from Canara newly catalogued loan schemes. Check the table notes before relying on it.

Source: Canara loan catalogue and linked official product pages · Home, education, personal, mortgage, agriculture and solar loan sections Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 4 columnsCanara newly catalogued loan schemesNamed schemes absent from the previous canonical catalogue, transcribed from current official pages and linked retail rate tables.View tableHide table

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Canara newly catalogued loan schemes
Product	Eligibility / purpose	Amount / rate	Repayment / charges
Canara Krishi Mitra Card	Cultivator must not be a defaulter; only one person per family may receive finance.	Crop cultivation, post-harvest, household and consumption needs; Farm-asset repairs and crop insurance; Maximum ₹50,000 running limit	Nil margin and crop hypothecation; 12-month running-limit validity
Canara Self Help Group Finance	Group must be genuine, maintain records, show savings/credit activity and avoid local-authority interference.	Group active for at least six months; Six months of savings and credit activity; Democratic working and proper records	Productive borrowing and repayment culture
Canara Fisheries Loan	Experienced fishermen with trained crew, suitable harbour, transport, servicing and cold-storage facilities; local applicants ordinarily within 25–30 km of branch.	Mechanized and non-mechanized boats, catamarans, nets and equipment; Inland fish and shrimp culture, ponds, fingerlings, feed and labour; 4–7 years for non-mechanized boats; 8–12 years for mechanized boats	Up to 4-month off-season holiday; 15%–25% margin above ₹2 lakh; 25%–33% for deep-sea vessels
Canara Hi-Tech Agriculture Loan	Promoters provide qualifications, experience and three years of tax/financial records; technical staff, capital certification, shareholding and required clearances are assessed.	Tissue culture and hybrid seed production; Floriculture, mushroom and shrimp aquaculture; Bio-fertilisers, integrated poultry and fruit/vegetable processing	Automation, high productivity and value-added technology
Canara Bee Keeping (Apiculture) Loan	Applicant should have apiculture experience or knowledge; local crops must provide flowers through the year and permit bee migration.	Nil margin up to ₹2 lakh; 15%–25% margin above ₹2 lakh; Hypothecation up to ₹2 lakh; land mortgage above ₹2 lakh	3–4-year repayment in annual instalments; Initial holiday period of 1 year; cover required for eligible allied-activity loans up to ₹10 lakh
Canara Pradhan Mantri Awas Yojana	income up to ₹3 lakh; above ₹3 lakh to ₹6 lakh; above ₹6 lakh to ₹9 lakh. Beneficiary age 21–75 and family must have no pucca house anywhere in India.	Purchase or construct in urban/metro areas; ₹1.80 lakh subsidy for eligible tenure above 5 years; Lower of 4× income, 90% project cost or ₹25 lakh	House value up to ₹35 lakh; Processing charges waived; Compulsory property insurance
Canara IBA Model Education Loan	Student must be Indian national or with valid Indian passport and proof of admission; parent/guardian joins as borrower.	No collateral up to ₹7.50 lakh under eligible merit route; 5% margin in India and 15% abroad above ₹4 lakh; Up to 15 years after course-plus-one-year moratorium	No prepayment penalty; Course, hostel, travel, books, computer and insurance expenses considered
Canara Pradhan Mantri Vidyalaxmi Education Loan	Indian national or / pursuing education in India; open competitive or merit-based admission to listed QHEI.	Headline page rate 6.75% p.a.; linked table is institution/risk based; Nil processing charges; No collateral security	Full subvention up to ₹10 lakh for family income up to ₹4.5 lakh; 3% subvention up to ₹10 lakh for family income ₹4.5–₹8 lakh; Up to 15 years after course-plus-one-year moratorium; Life insurance mandatory above ₹7.50 lakh
Canara Rainwater Harvesting Loan	Individuals constructing or modifying a house may apply; existing housing-loan borrowers may continue the residential mortgage.	75% of estimated cost within published unit-cost bands; Unit costs ₹57,700–₹1.85 lakh by plot size; 25% margin	0.50% fee, ₹1,500–₹10,000; 60 ; Pipeline, barrel and filter hypothecation; No prepayment penalty
Canara Pension Loan for Bank Ex-Employees	Retired Canara pensioners or family pensioners; spouse co-obligation or third-party guarantee applies as specified.	20 months' pension or ₹10 lakh, whichever is lower; Second mediclaim-premium loan capped at ₹90,000 and overall eligibility; Nil margin and 100% fee waiver	25% net take-home after proposed ; 72 if under 65; 60 if older; Premium component repaid in 10 ; No prepayment penalty
Canara Rooftop Solar CRTS-PMSGY Above ₹2 Lakh	Rooftop rights and latest electricity bill required; CIC score at least 680 or no-history band −1 to 99; applicants above 65 need legal-heir co-obligant below 60.	₹2 lakh–₹6 lakh including subsidy; Residential on-grid PV above 3 kW to 10 kW; 20% minimum project-cost margin	₹3 lakh minimum annual income; Up to 10 years or age 75; Six-month holiday case-by-case; No processing or service charges; ₹78,000 subsidy support for >3 kW–10 kW

Canara loan catalogue and linked official product pages · Home, education, personal, mortgage, agriculture and solar loan sections · accessed 30 Aug 2026Open official source ↗

Canara Pradhan Mantri Awas Yojana

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

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Canara Apna Ghar

Canara Bee Keeping (Apiculture) Loan

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