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  • Canara

  • MSME Arthiyas

To meet the financial requirements of Arthiyas (Commission Agents)

Nature of Facility Secured Working capital
Purpose To provide Working Capital to Arthiyas (Commission Agents) against advance payment made to farmers.
Target Group
  • Commission agents holding Mandi Board License for minimum one year.
  • The scheme shall be applicable for accounts Risk rated up to Moderate Risk.
Quantum of loan Minimum Loan above ₹10 Lakhs.
Maximum: Rs.200 Lakhs per Party
Margin 30 %
Security Primary: Book Debts on farmers not older than 180 days.
Collateral: Land & Building, Approved Collaterals and/or Canara Bank Deposits which shall be more than 150% of the overall limit sanctioned.
CGTMSE Coverage Not Applicable
Tenability 1 Year

Scheme shall be applicable PAN India. However, the scheme shall presently be implemented in the following Circles only.

  • Karnal Circle
  • Chandigarh Circle
  • Jaipur Circle
  • Delhi Circle
  • Commission agents holding Mandi Board License for minimum one year
  • The scheme shall be applicable for accounts Risk rated up to Moderate Risk. av.
  • 31.03.2026 (subject to performance review of the scheme as on 30.09.2025)
  • Customer Identification proof along with NF998 MSME application.
  • Address Proof of unit and promoters.
  • License/permissions.
  • Financial papers for the last 3 years with ITR and projections.
  • Details of Guarantor with proof of assets.
  • Stock Statement.

Minimum ROI: RLLR p.a, Maximum ROI: RLLR+0.75 p.a subject to risk rating and collateral value.

  • The turnover of the Arthiyas declared in the balance sheet that is routed through their Bank account, should be done through their account maintained with our Bank only.
  • While processing the loans, GST Turnover as per GST returns shall be compared with the income declared in the balance sheet and verify that both are in tandem to ensure the underlying genuinity of the commission declared in the Balance Sheet.
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Last updated on 22-01-2026 01:15 AM

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