RATES OF INTEREST FOR RETAIL LENDING SCHEMES

Rates of Interest of all Retail Lending Schemes are linked to REPO LINKED LENDING RATE

RLLR OF THE BANK - 8.25%* w.e.f 09.10.2026

Sl. No

LOAN PRODUCT

CRG

RLLR

WOMEN BORROWERS

OTHER BORROWERS

1

2

3

4

5

6

Credit Risk Premium over RLLR

**Concession

Effective Rate of Interest under RLLR

Credit Risk Premium over RLLR

**Concession

Effective Rate of Interest under RLLR

1

HOUSING LOAN

APPLICABLE ROI FOR SANCTIONED LIMIT UPTO Rs. 50.00 LAKH

HOUSING LOAN

CRG-PRIME

8.25

0.00

-0.75

7.50

0.05

-0.75

7.55

CRG : 1

8.25

0.00

-0.75

7.50

0.05

-0.75

7.55

CRG : 2

8.25

0.05

-0.4

7.90

0.1

-0.4

7.95

CRG : 3

8.25

0.45

0.00

8.70

0.50

0.00

8.75

CRG : 4

8.25

1.95

0.00

10.20

2.00

0.00

10.25

APPLICABLE ROI FOR SANCTIONED LIMIT ABOVE RS. 50.00 LAKH TO RS 100.00 LAKH

CRG-PRIME

8.25

0.00

-0.80

7.45

0.05

-0.80

7.50

CRG : 1

8.25

0.00

-0.80

7.45

0.05

-0.80

7.50

CRG : 2

8.25

0.05

-0.45

7.85

0.10

-0.45

7.90

CRG : 3

8.25

0.45

0.00

8.70

0.50

0.00

8.75

CRG : 4

8.25

1.95

-0.10

10.10

2.00

-0.10

10.15

APPLICABLE ROI FOR SANCTIONED LIMIT ABOVE RS 100.00 LAKH TO RS 250.00 LAKH

CRG-PRIME

8.25

0.00

-0.85

7.40

0.05

-0.85

7.45

CRG : 1

8.25

0.00

-0.85

7.40

0.05

-0.85

7.45

CRG : 2

8.25

0.05

-0.50

7.80

0.10

-0.50

7.85

CRG : 3

8.25

0.45

0.00

8.70

0.50

0.00

8.75

CRG : 4

8.25

1.95

-0.20

10.00

2.00

-0.20

10.05

APPLICABLE ROI FOR SANCTIONED LIMIT ABOVE RS 250.00 LAKH

CRG-PRIME

8.25

0.00

-0.85

7.40

0.05

-0.85

7.45

CRG : 1

8.25

0.00

-0.85

7.40

0.05

-0.85

7.45

CRG : 2

8.25

0.05

-0.50

7.80

0.10

-0.50

7.85

CRG : 3

8.25

0.45

-0.10

8.60

0.50

-0.10

8.65

CRG : 4

8.25

1.95

-0.30

9.90

2.00

-0.30

9.95

Note:-

1. For Housing Loan (All variants) under CRG-Prime, CRG-1 & CRG-2, additional 5 bps concession for Takeover/Ready to move HL proposals & 5 bps concession for salaried employees working in Central/State Govt./PSUs/MNCs/Blue chip Companies & Corporates maintaining/switching salary a/c wth us including Canara SB Premium Payroll package payroll a/cs is applicable in all loan slabs. (The Rate of Interest including all concessions shall not to fall below 7.40%)

2. For Housing Loans under Commercial Real Estate (3rd unit the applicable ROI is 0.25% above the card rate & 4th and subsequent dwelling unit the applicable Rate of Interest shall be 0.50% above the card rate.

2

CANARA VEHICLE LOAN

APPLICABLE ROI FOR SANCTIONED LIMIT UPTO RS. 15.00 LAKH

Canara Vehicle (4 Wheeler Loans including Agriculturists (General)

CRG-PRIME

8.25

0.10

-0.20

8.15

0.15

-0.20

8.20

CRG : 1

8.25

0.10

-0.10

8.25

0.15

-0.10

8.30

CRG : 2

8.25

0.25

0.00

8.50

0.30

0.00

8.55

CRG : 3

8.25

0.65

0.00

8.90

0.70

0.00

8.95

CRG : 4

8.25

2.65

0.00

10.9

2.70

0.00

10.95

APPLICABLE ROI FOR SANCTIONED LIMIT ABOVE RS. 15.00 LAKH

CRG-PRIME

8.25

0.10

-0.60

7.75

0.15

-0.60

7.80

CRG : 1

8.25

0.10

-0.50

7.85

0.15

-0.50

7.90

CRG : 2

8.25

0.25

-0.40

8.10

0.30

-0.40

8.15

CRG : 3

8.25

0.65

-0.40

8.50

0.70

-0.40

8.55

CRG : 4

8.25

2.65

-0.40

10.50

2.70

-0.40

10.55

Canara Green Vehicle (4 WHEELER Electric Vehicle including Agriculturist)~

APPLICABLE ROI FOR SANCTIONED LIMIT UPTO RS.15.00 LAKH

CRG-PRIME

8.25

0.00

-0.20

8.05

0.00

-0.20

8.05

CRG : 1

8.25

0.00

-0.10

8.15

0.00

-0.10

8.15

CRG : 2

8.25

0.15

0.00

8.40

0.15

0.00

8.40

CRG : 3

8.25

0.55

0.00

8.80

0.55

0.00

8.80

CRG : 4

8.25

2.70

0.00

10.95

2.70

0.00

10.95

APPLICABLE ROI FOR SANCTIONED LIMIT ABOVE RS. 15.00 LAKH

CRG-PRIME

8.25

0.00

-0.55

7.70

0.00

-0.55

7.70

CRG : 1

8.25

0.00

-0.45

7.80

0.00

-0.45

7.80

CRG : 2

8.25

0.15

-0.35

8.05

0.15

-0.35

8.05

CRG : 3

8.25

0.55

-0.35

8.45

0.55

-0.35

8.45

CRG : 4

8.25

2.70

-0.45

10.50

2.70

-0.45

10.50

**The above concession shall remain same till the loan completes 3 years from the date of first disbursement for all the variants of HL & Canara Vehicle 4-Wheeler (including Green wheels & Agriculturists).

Canara Vehicle (2 Wheelers)

CRG : 1

8.25

2.10

0.00

10.35

2.15

0.00

10.40

CRG : 2

8.25

2.25

0.00

10.50

2.30

0.00

10.55

CRG : 3

8.25

5.25

0.00

13.50

5.30

0.00

13.55

CRG : 4

8.25

7.00

0.00

15.25

7.00

0.00

15.25

Sl.No

LOAN PRODUCT

CRG

RLLR

where security is equal to 200%

where security is equal to >200%=300%

where security is equal to >300%

Credit Risk Premium over RLLR

Effective Rate of Interest under RLLR

Credit Risk Premium over RLLR

Effective Rate of Interest under RLLR

Credit Risk Premium over RLLR

Effective Rate of Interest under RLLR

3

Canara Mortgage^

CRG : 1

8.25

1.25

9.50

1.15

9.40

1.05

9.30

CRG : 2

8.25

1.50

9.75

1.40

9.65

1.30

9.55

CRG : 3

8.25

2.05

10.30

1.95

10.20

1.85

10.10

CRG : 4

8.25

3.55

11.80

3.45

11.70

3.35

11.60

Sl. No

LOAN PRODUCT

CRG

RLLR

Credit Risk Premium over RLLR

Effective Rate of Interest under RLLR

1

2

3

4

5

6

4

*Canara Vehicle (4 Wheelers) to Firms/Companies (General & Electric Vehicle)

-

8.25

0.30

8.55

OTHER RETAIL LENDING SCHEMES

5

CANARA HOME LOAN PLUS - Term Loan

CRG : 1

8.25

0.55

8.80

CRG : 2

8.25

0.60

8.85

CRG : 3

8.25

1.10

9.35

CRG : 4

8.25

2.60

10.85

6

CANARA SITE

CRG : 1

8.25

1.05

9.30

CRG : 2

8.25

1.10

9.35

CRG : 3

8.25

1.60

9.85

CRG : 4

8.25

2.10

10.35

7

CANARA JEEVAN

8.25

1.60

9.85

8

CANARA BUDGET-INDIVIDUAL

CRG : 1

8.25

4.65

12.90

CRG : 2

8.25

4.70

12.95

CRG : 3

8.25

5.20

13.45

CRG : 4

8.25

6.70

14.95

CANARA BUDGET-PRIME (WITH SALARY TIE-UP)

CRG : 1

8.25

1.70

9.95

CRG : 2

8.25

1.70

9.95

CRG : 3

8.25

1.70

9.95

CRG : 4

8.25

6.70

14.95

CANARA BUDGET-PRIME (WITHOUT SALARY TIE-UP)

CRG : 1

8.25

2.70

10.95

CRG : 2

8.25

2.70

10.95

CRG : 3

8.25

2.70

10.95

CRG : 4

8.25

6.70

14.95

CANARA BUDGET-DELIGHT

CRG : 1

8.25

2.70

10.95

(WITH SALARY TIE-UP)

CRG : 2

8.25

2.70

10.95

CRG : 3

8.25

2.70

10.95

CRG : 4

8.25

NOT ELIGIBLE FOR LOAN

9

CANARA RENT

a) Navratna PSUs, AAA rated Companies, Fortune 500 Companies, MNCRG, Banks, Insurance Companies

8.25

1.25

9.50

b) Others

8.25

1.80

10.05

c) Property leased to our Bank

8.25

1.25

9.50

10

CANARA CASH

8.25

6.55

14.80

11

ALL OTHER PERSONAL Loans

CRG : 1

8.25

5.50

13.75

CRG : 2

8.25

5.55

13.80

CRG : 3

8.25

6.05

14.30

CRG : 4

8.25

7.00

15.25

12

Loans To Individuals Against Other Approved Securities 

8.25

0.25

8.50

13

CANARA PENSION

a. General Public (including Family pensioners)

8.25

2.75

11.00

b. Our Bank Retirees

i) Loan to our Bank Retired Employees and their Family Pensioners

8.25

2.00

10.25

ii) To avail loan for payment of Annual Premium of the IBA group Mediclaim Insurance Policy

8.25

0.50

8.75

14

CANARA HOME LOAN SECURE

8.25

0.10

8.35

15

EDUCATION LOANS:

i. Vidya Sagar Scheme (Loan Quantum) *$

a. upto Rs.7.50 lakh

8.25

2.00

10.25

b. above Rs. 7.50 lakh

8.25

1.60

9.85

c. above Rs. 7.50 lakh (Abroad Studies)

8.25

1.25

9.50

ii. IBA Skill Loan (Max. Rs.7.50 lakh)

8.25

1.50

9.75

iii. Vidya Turant Scheme

a.with co-borrower

8.25

0.00

8.25

b.with out co-borrower

8.25

0.60

8.85

c. Select Top 7 Premium Institutes

8.25

-0.65

7.60

^NEW EDUCATION LOAN SCHEME FOR PURSUING MASTER’S DEGREE IN ABROAD FROM SELECT TOP RANKING UNIVERSITIES OF WORLD

COLL. SECURITY 100% & above

8.25

1.25

9.50

COLL. SECURITY 75% & above (less than 100%).

8.25

1.85

10.10

COLL. SECURITY 50% & above (less than 75%).

8.25

2.10

10.35

PM Vidyalaxmi Scheme

"AAA" Category Institutitons

8.25

-0.75

7.50

"AA" Category Institutitons

8.25

0.00

8.25

"A" Category Institutitons

8.25

0.25

8.50

16

CANARA APNA GHAR

CIC Score Above 750

8.25

0.10

8.35

CIC Score 681 & upto 750, and (-1 to 99 in case of borrower having no credit history)

8.25

0.50

8.75

CIC Score 680 & below (Sub-Prime Risk Tier)

8.25

1.25

9.50

17

Canara Rooftop Solar (CRTS) – PM Surya Ghar Yojana (PMSGY)

a) CRTS - PMSGY – upto Rs. 2.00 Lakhs

8.25

-2.25

6.00

b) CRTS - PMSGY– above Rs. 2.00 Lakhs

8.25

0.75

9.00

18

Canara-HEAL

8.25

2.30

10.55

19

Canara Readycash

8.25

1.70

9.95

20

Canara Insta MF Loan

8.25

1.00

9.25

*Concession of 0.50% ROI extended to girl students under Education Loans

$ Concession of 0.50% for prompt servicing of Interest during course period under Education Loans

^the ROI linked with collateral security

Applicable Administrative Costs/Switchover Charges in case of Interest Rate Regime conversion (i.e Floating to Fixed or vice-versa) for EMI based Retail loans is @0.25% of the loan amount with Min of Rs 250/- +GST & Maximum upto Rs 25,000/+GST