Personal, home, vehicle & other loans

Canara Swarna Loan

Gold loan against eligible jewellery or gold coins for medical, domestic and other non-speculative needs, from ₹5,000 to ₹50 lakh per borrower.

Interest rateRLLR + 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.Maximum amount₹5,000 minimum and ₹50 lakh maximum per borrower across Swarna Loan, Swarna OD, Swarna Express and Swarna Monthly Interest schemes.TenureBullet repayment within 12 months from sanction, along with interest.

Official product page ↗Compare category

✓ 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 typeSecured gold loan against pledged gold jewellery or gold coins up to 50 grams per customer for non-speculative medical, domestic or urgent expenses.View source

The product page identifies the permitted purpose and pledged gold types.

Source: Canara Swarna Loan
Page / section: Purpose; Security;
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Interest rateRLLR + 0.95% p.a., effective from 12 March 2026 for Swarna schemes in the reviewed official rate table.View source

Canara lists Swarna Loans at + 0.95% w.e.f. 12.03.2026.

Source: Loans Interest Rates
Page / section: Gold loan schemes — Swarna schemes
Accessed: 30 Aug 2026
Confidence: high

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BenchmarkRepo Linked Lending Rate (RLLR).View source

The Swarna row is explicitly linked to .

Source: Loans Interest Rates
Page / section: Swarna schemes
Accessed: 30 Aug 2026
Confidence: high

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APRNot published as a separate APR.View source

The official page gives the rate benchmark/spread via the linked rate table but no .

Source: Canara Swarna Loan
Page / section: Complete page
Accessed: 30 Aug 2026
Confidence: high

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Minimum incomeNo income threshold is required or published for this secured gold-loan page; resident individuals and NRIs are eligible subject to gold appraisal and KYC.View source

The names resident individuals and and does not state a salary test.

Source: Canara Swarna Loan
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 schemes.View source

Canara publishes the minimum, maximum and consolidated exposure cap.

Source: Canara Swarna Loan
Page / section: Loan Quantum;
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

TenureBullet repayment within 12 months from sanction, along with interest.View source

The official page and state repayment within 12 months as a bullet payment.

Source: Canara Swarna Loan
Page / section: Repayment;
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Processing feeSwarna Loan, Swarna OD and Swarna Monthly Interest: 0.30% of loan amount, minimum ₹250 and maximum ₹3,000, excluding GST. Swarna Express has a separate 0.15% band.View source

The published charges table and provide the standard and Express bands.

Source: Canara Swarna Loan
Page / section: Consolidated processing charges;
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Prepayment / foreclosureNo prepayment penalty; the loan may be closed during the tenure subject to the scheme terms.View source

Canara's says there is no prepayment penalty.

Source: Canara Swarna Loan
Page / section: — prepayment
Accessed: 30 Aug 2026
Confidence: high

Open official source ↗

Benefits and features

₹5,000 minimum and ₹50 lakh maximum across Swarna schemes
Gold jewellery and gold coins up to 50 grams accepted
Bullet repayment within 12 months
Multiple transactions within sanctioned limit
No prepayment penalty
Nomination facility

Eligibility

Resident individuals and may apply. The facility is for non-speculative purposes such as medical, domestic or urgent expenses and is secured by pledge of eligible gold.

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

Documents the bank lists

Loan application and /identity/address proof
Gold jewellery or eligible gold coins for appraisal and pledge
Any additional documents requested by the branch

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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.

Use the published table

Find the exact published value

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ProductChoose column

Green Wheels · Purpose / eligibilityNew electric four-wheeler; salary ₹3 lakh p.a. or non-salaried ₹3 lakh latest income plus ₹2.50 lakh three-year average

This value is copied from Canara Green Wheels, Swarna, Kuteer and Vidya Turant terms. Check the table notes before relying on it.

Source: Canara loan product pages and retail rate tables · Quantum; Interest; Eligibility; Repayment; Processing; 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 · 4 rows · 4 columnsCanara Green Wheels, Swarna, Kuteer and Vidya Turant termsPublished limits, rates, eligibility, security, fees and repayment terms from Canara's official pages and rate tables.View tableHide table

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Canara Green Wheels, Swarna, Kuteer and Vidya Turant terms
Product	Purpose / eligibility	Amount / rate	Tenure / charges
Green Wheels	New electric four-wheeler; salary ₹3 lakh p.a. or non-salaried ₹3 lakh latest income plus ₹2.50 lakh three-year average	No upper limit; up to 90% finance; CRG-Prime effective 8.60% p.a. in reviewed table	Up to 84 ; 0.25%, ₹1,000–₹5,000 + ; no prepayment penalty
Swarna Loan	Resident individual or ; pledge jewellery or gold coins up to 50g	₹5,000–₹50 lakh; + 0.95% w.e.f. 12 March 2026	12-month bullet; 0.30%, ₹250–₹3,000; no prepayment penalty
Canara Kuteer	Household income up to ₹1 lakh or ₹1–3 lakh p.a.; low-income housing	₹5 lakh or ₹10 lakh by band	Up to 30 years/age 75; 0.50%, ₹1,500–₹10,000 +
Vidya Turant	Indian student admitted to mapped premier institution	Category A/B/C up to ₹50/40/30 lakh; starting 6.85% p.a.	Up to 15 years after moratorium; nil bank processing fee; no prepayment penalty

Canara loan product pages and retail rate tables · Quantum; Interest; Eligibility; Repayment; Processing; Security · accessed 30 Aug 2026Open official source ↗

Canara Swarna Loan

What the official sources publish

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Eligibility

Documents the bank lists

Related official documents

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Loan repayment estimate

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Complete rates, limits and schedules

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