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Canara Produce Loan

Short-term finance against stored agricultural produce or warehouse receipts so farmers can wait for a better selling price, up to ₹75 lakh against NWR/eNWR and ₹50 lakh against other warehouse receipts.

Interest rateApplicable agriculture lending rate is not stated on the product page; the sanctioned rate must be confirmed from Canara's current agriculture rate table.Maximum amountUp to ₹75 lakh against NWR/eNWR and up to ₹50 lakh against other warehouse receipts, subject to margin and stock assessment.TenureWithin the balance shelf life of the stored produce, with a maximum of one year.
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Quick eligibility check

Canara Produce Loan

0 of 5 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 numeric income minimum is published?

Published source: Minimum income

2Do you meet this requirement: limit is assessed from land holding, yield and produce value?

Published source: Minimum income

3Are you this type of customer: Farmer borrowers should not have agricultural finance with another institution?

4Do you meet this requirement: Crop-loan borrowers are preferred?

5Do you meet this requirement: other Canara agricultural borrowers may be considered selectively?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; approved godowns, warehouses and receipt systems

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 typeShort-term produce finance secured by agricultural stock or warehouse receipts; traders are not eligible.View source
The page describes stored produce finance and excludes traders.
Source
Produce loans
Page / section
Purpose; Eligibility; Financing Models
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateApplicable agriculture lending rate is not stated on the product page; the sanctioned rate must be confirmed from Canara's current agriculture rate table.View source
The reviewed produce-loan page gives no numeric interest rate.
Source
Produce loans
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNot published on the reviewed Produce Loans page.View source
No benchmark is specified.
Source
Produce loans
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
Produce loans
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo numeric income minimum is published; limit is assessed from land holding, yield and produce value.View source
The page uses land, yield and produce value rather than a salary threshold.
Source
Produce loans
Page / section
Quantum of limit; Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amountUp to ₹75 lakh against NWR/eNWR and up to ₹50 lakh against other warehouse receipts, subject to margin and stock assessment.View source
Canara publishes separate limits for NWR/eNWR and other receipts and 25%–40% margins.
Source
Produce loans
Page / section
Quantum of limit; Margin
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureWithin the balance shelf life of the stored produce, with a maximum of one year.View source
The repayment period cannot exceed the produce's remaining shelf life or one year.
Source
Produce loans
Page / section
Repayment Period
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing feeNot published on the reviewed Produce Loans page.View source
No processing charge appears.
Source
Produce loans
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the reviewed Produce Loans page.View source
No early-closure charge appears.
Source
Produce loans
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Pledge or hypothecation of agricultural produce
  • Up to ₹75 lakh against NWR/eNWR; ₹50 lakh against other warehouse receipts
  • 25%–40% margin by financing model
  • Repayment within shelf life, maximum one year
  • Supports own, leased, public and empanelled warehouses
  • Traders are excluded

Eligibility

  • Farmer borrowers should not have agricultural finance with another institution. Crop-loan borrowers are preferred; other Canara agricultural borrowers may be considered selectively.

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

Documents the bank lists

  • Application, and farmer/organisation records
  • Warehouse receipt or stock and ownership evidence
  • Land holding, yield and produce valuation
  • Warehouse, insurance and collateral documents as applicable

Related official documents

Produce loansofficial-product-page · 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

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Consumption Loan · Eligibility / purposeExisting borrower in calamity-declared rural/semi-urban area

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

Source: Canara agricultural loan scheme pages · Eligibility; Quantum; Margin; 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 · 4 rows · 4 columnsCanara agricultural loan scheme termsPublished eligibility, limits, rates and repayment rules from four current Canara agricultural loan pages.View tableHide table

Scroll sideways to view every column

Canara agricultural loan scheme terms
ProductEligibility / purposeAmount / rateSecurity / repayment
Consumption LoanExisting borrower in calamity-declared rural/semi-urban area₹15,000; one-year + 0.20%Clean unsecured; 36 months incl. 12-month holiday
CreditTenant/oral-lessee/sharecropper groups of 4–10No overall ceiling; scale-of-finance basedHypothecation; 12 months short crops / 18 months long crops
Produce LoanFarmers storing produce; traders excluded₹75 lakh NWR/eNWR or ₹50 lakh other WHR; 25%–40% marginStock/receipt security; within shelf life, max 1 year
Debt RedemptionIndividual distressed farmer with money-lender debtLower of dues, 150% gross annual income or ₹50,000Clean advance plus land mortgage/co-obligation; 5 years
Canara agricultural loan scheme pages · Eligibility; Quantum; Margin; Security; Repayment · accessed 30 Aug 2026Open official source ↗

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