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Home > Home Loan > Canara Bank Home Loan > Canara Bank Housing Loan to Agriculturists | Check Interest Rates, EMI, Eligibility, Processing Fees, and Documents Required

Canara Bank Housing Loan to Agriculturists | Check Interest Rates, EMI, Eligibility, Processing Fees, and Documents Required

April 30, 2025
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Planning to build a home in a rural area or on agricultural land? Canara Bank’s Housing Loan to Agriculturists is designed to support farmers and agriculturists with flexible financing. In this blog, explore the interest rates, EMI options, eligibility, processing fees, and required documents to apply.


Canara Bank Housing Loan to Agriculturists Highlights

CategoryDetails
Interest RateStarting from 8.05% p.a.
Loan TenureUp to 30 Years
Processing Fee0.50% of the loan amount 
(Min ₹1,500 – Max ₹10,000) + GST

Check Out: Canara Bank Home Loan


Canara Bank Housing Loan to Agriculturists Interest Rates 2025

Canara Bank Housing Loan to Agriculturists interest rates are structured based on the applicant’s Credit Risk Grade (CRG). The effective interest rates are as follows:

Credit Risk Grade (CRG)Effective Interest Rate (per annum)
CRG-PRIME8.05% p.a. onwards
CRG 18.05% p.a. onwards
CRG 28.35% p.a. onwards
CRG 39.25% p.a. onwards
CRG 410.75% p.a. onwards

For more detailed information, please visit the official Canara Bank Housing Loan to Agriculturists page.


Canara Bank Housing Loan to Agriculturists Eligibility Criteria

Before applying for a Canara Bank Housing Loan to agriculturists, it’s essential to understand the eligibility criteria. Here’s the essential eligibility checklist set by Canara Bank.

Eligibility CriteriaDetails
Eligible ApplicantsAgriculturists, dairy farmers, horticulturists, and planters owning and cultivating agricultural lands.
Land OwnershipMust own and cultivate more than 5 acres of irrigated land or 10 acres of dry land.
Banking RelationshipShould be existing customers of Canara Bank with satisfactory dealings for at least the last two years.
Minimum Gross Annual Income₹5.00 lakh.
Loan QuantumNo upper limit, subject to income and repayment capacity.
Loan for FurnishingMaximum up to 15% of the loan amount or ₹50 lakh, whichever is lower.
Repayment TenureUp to 30 years or until the borrower reaches 75 years of age, whichever is earlier.
Margin for New/Old House (Up to 10 Years Old)Up to ₹30 lakh: 10%,
₹30 lakh to ₹75 lakh: 20%,
Above ₹75 lakh: 25%.
Margin for Old House (>10 Years Old)25% for all loan amounts.

For more detailed information, please refer to Canara Bank’s official website.

Check Out: Canara Bank Home Loan Eligibility Calculator


Canara Bank Housing Loan to Agriculturists Processing Fees

Applicant TypeProcessing Fee
Individuals & Non-Individuals0.50% of the loan amount, with a minimum of ₹1,500 plus GST and a maximum of ₹10,000 plus GST.

Note: Canara Bank is celebrating a Retail Loan Festival with a 50% waiver on processing charges from April 1 to June 30, 2025.

For more detailed information, please visit the official Canara Bank Housing Loan to Agriculturists page.


Canara Bank Housing Loan to Agriculturists Other Fees and Charges

Here are the Other Fees and Charges associated with the Canara Bank Housing Loan to Agriculturists:

Charge TypeDetails
Processing Fee0.50% of loan amount
(Min ₹1,500 – Max ₹10,000) + GST
Retail Festival Offer50% waiver on processing fee
(Valid from Apr 1 – Jun 30, 2025)
Prepayment ChargesNil for floating rate loans, even if taken over by another bank
Documentation ChargesAs per bank’s discretion (not fixed)
Stamp Duty & RegistrationAs per applicable state laws, to be borne by borrower
Legal & Valuation ChargesAs per actuals, to be paid by borrower

Source: Canara Bank Housing Loan to Agriculturists.

Read More: Canara Bank Home Loan Processing Fees and Other Charges


Canara Bank Housing Loan to Agriculturists Documents Required

The list of Documents required for the Canara Bank Housing Loan to Agriculturists:

Document TypeDetails
Loan Application FormDuly filled application form with two passport-sized photographs of the applicant and co-applicant/guarantor.
Identity ProofPAN Card, Aadhaar Card, Voter ID, Passport, or Driving License.
Address ProofAadhaar Card, Passport, Voter ID, Driving License, Electricity Bill, Telephone Bill, or any other valid address proof.
Age ProofBirth Certificate, School Leaving Certificate, PAN Card, or Passport.
Income ProofIncome certificate issued by the Tahsildar or Mandal Revenue Officer.
Bank StatementsBank account statements for the past 6 months.
Land Ownership DocumentsTitle deeds and other relevant documents of currently held agricultural land, as well as lands to be purchased.
Property DocumentsTitle deeds of the property and link documents for the last 13 years.
Proof of Agricultural ActivityDocuments evidencing ongoing agricultural activities, such as crop cultivation records or related certifications.
Other DocumentsAny other documents as required by the bank, including processing fee cheque and photographs.

For the most accurate and updated information, please refer to Canara Bank’s official website.

Read More: Canara Bank Home Loan Documents Required


How to Apply to Canara Bank Housing Loan to Agriculturists?

Time needed: 3 minutes

​To apply for the Canara Bank Housing Loan to Agriculturists online, follow these steps:​

  1. Visit the Official Website or Branch

    Go to canarabank.com or visit your nearest Canara Bank branch to begin your application.Canara Bank Housing Loan to Agriculturists

  2. Check Eligibility

    Make sure you’re an agriculturist with a gross annual income of at least ₹5 lakh and meet other criteria.

  3. Collect Required Documents

    Keep documents ready like ID proof, address proof, income certificate, land records, and bank statements.

  4. Fill Out the Application Form

    Complete the form accurately with all personal, income, and property details.

  5. Submit Form and Documents

    Submit the form along with your documents either online or directly at the branch.

  6. Verification & Processing

    The bank will verify your details and process your loan application.

  7. Loan Approval & Disbursement

    If approved, the loan amount will be disbursed as per bank terms.

Also Read: Online vs Offline Home Loan Application in India: Which is Better?


Canara Bank Home Loan: Other Products

Canara Bank offers multiple home loan schemes, each with its own interest rate structure and features.

Home Loan SchemeInterest Rate
Canara Bank Housing Loan8.05% p.a. onwards
Canara Bank Housing Cum Solar Loan8.05% p.a. onwards
Canara Bank Kuteer Loan8.05% p.a. onwards
Canara Bank Housing loan to Agriculturists8.05% p.a. onwards
Canara Bank Home Loan for NRIs8.05% p.a. onwards
Canara Bank Approved Housing Projects8.05% p.a. onwards

Source: Canara Bank Official Website – Interest Rate Circular

Check Out: Canara Bank Home Loan Interest Rates 2025


Compare Home Loan Interest Rates by Top Banks

BankUp to Rs. 30 LakhAbove Rs. 30 Lakh to Rs. 75 LakhAbove Rs. 75 Lakh
SBI Bank8.00% p.a. onwards8.00% p.a. onwards8.00% p.a. onwards
HDFC Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
LIC Bank8.50% – 10.35% p.a.8.50% – 10.55% p.a.8.50% – 10.75% p.a.
ICICI Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Kotak Mahindra Bank8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
Punjab National Bank8.50% – 11.05% p.a.8.50% – 11.05% p.a.8.50% – 11.05% p.a.
Bank Of Baroda8.40% onwards8.40% – 10.65% p.a.8.40% – 10.90% p.a.
Bajaj Housing Finance8.50% p.a. onwards8.50% p.a. onwards8.50% p.a. onwards
Axis Bank8.75%-10.30% p.a.8.75%-10.30% p.a.8.75%-10.30% p.a.
Bank of India8.40% p.a onwards8.40% p.a onwards8.40% p.a onwards
TATA Capital8.75% p.a. onwards8.75% p.a. onwards8.75% p.a. onwards
The interest rates, maximum tenures, and other charges are subject to change, and it’s advisable to check with our experts for the most current information.

Conclusion

Canara Bank’s Housing Loan to Agriculturists is a helpful scheme designed to support farmers in owning or building their dream homes. With flexible terms and affordable rates, it makes rural homeownership easier and more accessible.

For personalized assistance with your home loan, consider scheduling a free consultation call with Credit Dharma today.


Frequently Asked Questions

What is the minimum income required for Canara Bank Housing Loan to Agriculturists?

Applicants must have a minimum gross annual income of ₹5 lakh to be eligible for the loan.

What is the interest rate for Canara Bank Housing Loan to Agriculturists?

The interest rate starts from 8.75% per annum, with possible concessions for women borrowers.

What are the processing charges for the loan?

Processing charges are 0.50% of the loan amount, with a minimum of ₹1,500 plus GST and a maximum of ₹10,000 plus GST.

What is the margin requirement for the loan?

For new or old houses (up to 10 years old):
– Up to ₹30 lakh: 10%
– ₹30 lakh to ₹75 lakh: 20%
– Above ₹75 lakh: 25%

Are there any prepayment charges for the loan?

There are no prepayment charges for floating rate loans sanctioned to individual borrowers.

What documents are required to apply for the loan?

Applicants need to submit:
– Duly filled application form with photographs
– Identity and address proofs
– Income certificate issued by the Tahsildar or Mandal Revenue Officer
– Bank account statements for the past 6 months
– Land ownership documents
– Property documents and link documents for the last 13 years
– Proof of agricultural activity

How can one apply for the Canara Bank Housing Loan to Agriculturists?

Applicants can apply by visiting the official Canara Bank website or the nearest branch, checking eligibility, gathering required documents, filling out the application form, and submitting it along with the necessary documents for processing and verification.

Is there any special concession for women applicants?

Yes, women borrowers may be eligible for interest rate concessions on the Housing Loan to Agriculturists.

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