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Canara Swarna Express

Short-tenure gold loan for genuine non-speculative needs, from ₹5,000 to ₹50 lakh, with bullet repayment within six months.

Interest rateRLLR + 0.95% p.a. for Swarna schemes, as shown in Canara's official gold-loan rate table.Maximum amount₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna OD, Swarna Express and Swarna Monthly Interest.TenureBullet repayment within 6 months from sanction, along with interest.
Official product page ↗Compare category

Quick eligibility check

Canara Swarna Express

0 of 2 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.

1Are you this type of customer: resident individuals and are assessed on pledged gold, appraisal and ?

Published source: Minimum income

2Are you this type of customer: Resident individuals and may apply for medical, domestic or other genuine non-speculative needs, subject to appraisal and ?

0 of 2 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byCanara Bank

India; eligible applicants

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-tenure secured gold loan for genuine non-speculative medical, domestic or urgent needs.View source
The official page describes the purpose and pledged gold security.
Source
Canara Swarna Express
Page / section
Purpose; Security
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Interest rateRLLR + 0.95% p.a. for Swarna schemes, as shown in Canara's official gold-loan rate table.View source
The Swarna scheme row applies to Swarna Express.
Source
Loans Interest Rates
Page / section
Swarna schemes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
BenchmarkRepo Linked Lending Rate (RLLR).View source
Canara links the Swarna scheme to .
Source
Loans Interest Rates
Page / section
Swarna schemes
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
APRNot published as a separate APR.View source
No is displayed.
Source
Canara Swarna Express
Page / section
Complete page
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income threshold is published; resident individuals and NRIs are assessed on pledged gold, appraisal and KYC.View source
The eligibility section does not state a salary or income minimum.
Source
Canara Swarna Express
Page / section
Eligibility
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Maximum amount₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna OD, Swarna Express and Swarna Monthly Interest.View source
Canara publishes the consolidated Swarna cap.
Source
Canara Swarna Express
Page / section
Loan Quantum
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
TenureBullet repayment within 6 months from sanction, along with interest.View source
The repayment row states six months and bullet payment.
Source
Canara Swarna Express
Page / section
Repayment
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Processing fee0.15% of loan amount, minimum ₹125 and maximum ₹1,500, excluding GST.View source
The charges table publishes the Swarna Express band.
Source
Canara Swarna Express
Page / section
Consolidated processing charges
Accessed
30 Aug 2026
Confidence
high
Open official source ↗
Prepayment / foreclosureNo prepayment penalty.View source
No prepayment penalty is listed as a benefit.
Source
Canara Swarna Express
Page / section
Benefits
Accessed
30 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹5,000–₹50 lakh across Swarna schemes
  • Pledge gold jewellery or bank-sold coins up to 50 grams
  • Six-month bullet repayment
  • No prepayment penalty
  • Quick processing and nomination facility

Eligibility

  • Resident individuals and may apply for medical, domestic or other genuine non-speculative needs, subject to appraisal and .

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

Documents the bank lists

  • Application and /identity/address proof
  • Gold jewellery or eligible gold coins for appraisal and pledge
  • Any additional branch documents

Related official documents

Canara gold-loan rates and service chargesofficial-rate-table · current · accessed 30 Aug 2026
↗
Canara Swarna Expressofficial-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

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.

Swarna Express · Purpose / securityResident/; gold jewellery or coins up to 50g

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

Source: Canara gold-loan pages and official rate/charge tables · Gold schemes; Agricultural gold schemes; Processing charges 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 Swarna and agricultural gold-loan termsPublished gold-security, LTV, rates, fees and repayment terms from current Canara pages and shared tables.View tableHide table

Scroll sideways to view every column

Canara Swarna and agricultural gold-loan terms
ProductPurpose / securityAmount / rateRepayment / charges
Swarna ExpressResident/; gold jewellery or coins up to 50g₹5,000–₹50 lakh; + 0.95%6-month bullet; 0.15%, ₹125–₹1,500
Swarna Monthly InterestResident/; gold jewellery or coins up to 50g75% appraised value; ₹5,000–₹35 lakh; + 0.95%12 months; monthly interest; 0.30%, ₹250–₹3,000
Gold Crop LoanCrop cultivation; pledged gold80% appraised value; ₹100–₹10 lakh; 1-year + 0.10%12 months instalment/lump sum; agricultural slab fees
Gold Crop OverdraftCrop cultivation; pledged gold80% appraised value; ₹100–₹10 lakh; 1-year + 0.10%12-month revolving; monthly interest; agricultural slab fees
Canara gold-loan pages and official rate/charge tables · Gold schemes; Agricultural gold schemes; Processing charges · accessed 30 Aug 2026Open official source ↗

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