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Personal, home, vehicle & other loans

Canara Ready Cash

24×7 straight-through digital personal loan from ₹50,000 to ₹10 lakh for genuine non-speculative needs, credited directly to the borrower’s salary account.

Interest rateNot published on the reviewed page; no numeric percentage or benchmark is stated.Maximum amount₹50,000 minimum and ₹10 lakh maximum.Tenure12 to 60 months.
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Quick eligibility check

Canara Ready Cash

0 of 6 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 salary credit is ₹50,000 per month?

Published source: Minimum income

2Are you aged 21 to 55?

Published source: Minimum income

3Are you this type of customer: Existing salaried customers?

4Do you meet this requirement: score 700+?

5Does your annual income meet this requirement: minimum salary credit ₹50,000 per month?

6Do you meet this requirement: net take-home at least 25% or ₹10,000 per month, whichever is higher?

0 of 6 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; Canara digital lending channels

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 typeStraight-through digital personal loan for genuine personal needs such as medical, education, travel or household expenses; speculative purposes excluded.View source
The official page and describe the digital personal-loan purpose and exclusions.
Source
Canara Ready Cash
Page / section
Purpose;
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateNot published on the reviewed page; no numeric percentage or benchmark is stated.View source
The full page publishes quantum, fees and eligibility but no interest rate.
Source
Canara Ready Cash
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkNot published on the reviewed page.View source
No benchmark or spread appears.
Source
Canara Ready Cash
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the reviewed page.View source
No is displayed.
Source
Canara Ready Cash
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeMinimum salary credit is ₹50,000 per month. Applicant must have CIC score 700+, be aged 21–55 and maintain net take-home of at least 25% or ₹10,000 per month, whichever is higher.View source
Canara publishes salary, , age and NTH tests in the eligibility section and .
Source
Canara Ready Cash
Page / section
Eligibility; Income Criteria; NTH;
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹50,000 minimum and ₹10 lakh maximum.View source
The official quantum row and publish ₹50,000–₹10 lakh.
Source
Canara Ready Cash
Page / section
Quantum;
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Tenure12 to 60 months.View source
Canara publishes 12-month minimum and 60-month maximum repayment.
Source
Canara Ready Cash
Page / section
Repayment;
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.50% of loan amount, minimum ₹500 and maximum ₹2,500, excluding applicable taxes.View source
The official charges row and publish the percentage and band.
Source
Canara Ready Cash
Page / section
Processing Charges;
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNot published on the reviewed page.View source
The explains digital processing but gives no early-closure charge.
Source
Canara Ready Cash
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹50,000–₹10 lakh
  • 12–60-month repayment
  • Nil margin and collateral/co-obligation waived
  • 0.50% processing fee, ₹500–₹2,500 plus taxes
  • Instant salary-account credit after approval
  • Canara ai1, internet banking and corporate website channels

Eligibility

  • Existing salaried customers; CIC score 700+; entry age 21–55; minimum salary credit ₹50,000 per month; net take-home at least 25% or ₹10,000 per month, whichever is higher.

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

Documents the bank lists

  • Aadhaar-enabled consent for e-stamping/e-signing
  • Salary-account and existing-Canara customer credentials

Related official documents

Canara Ready Cashofficial-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

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.

Insta Loan · Amount / eligibilityEquity/hybrid 50% ₹25,000–₹10 lakh; debt 75% ₹25,000–₹1 crore; 700+, age 18+

This value is copied from Canara Insta and Ready Cash terms. Check the table notes before relying on it.

Source: Canara loan product pages · Quantum; Eligibility; Repayment; Charges; 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 · 2 rows · 4 columnsCanara Insta MF and Ready Cash termsPublished limits, eligibility, fees and repayment terms from official Canara pages.View tableHide table

Scroll sideways to view every column

Canara Insta MF and Ready Cash terms
ProductAmount / eligibilityTenureFees / security
Insta LoanEquity/hybrid 50% ₹25,000–₹10 lakh; debt 75% ₹25,000–₹1 crore; CIC 700+, age 18+36-month term or annual renewalLien on folio; 0.60% + (₹1,000–₹10,000); review 0.30% +
Ready Cash₹50,000–₹10 lakh; salary credit ₹50,000/month; CIC 700+; age 21–55; NTH 25% or ₹10,00012–60 monthsNil margin/security; 0.50% (₹500–₹2,500) plus taxes
Canara loan product pages · Quantum; Eligibility; Repayment; Charges; Security · accessed 30 Aug 2026Open official source ↗

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