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Canara Bank Gold Loan Interest Rate Today, 26 October 2026: Slabs, Per-Gram Cost & Schemes

Canara Bank gold loan interest rate 9% – 9.25% p.a. Indicative band · scheme and LTV decide your slab · reviewed September 2026
Monthly interest per ₹1 lakh ₹750 – ₹771 At the floor and ceiling of the band
Cost to pledge 10g of 22K today ₹730 – ₹750 On ₹97,300 advance · gold price updated 2026-10-25

Indicative figures for comparison only. BankCreds is not a lender — the bank or NBFC’s current schedule and your Key Fact Statement are the binding numbers.

How much will an Canara Bank gold loan cost?

Canara Bank lends against gold from 9% to 9.25% depending on scheme and drawdown, over tenures of up to 12 months (renewable); agri variants longer. Set your own numbers below — the structure toggle matters as much as the rate, because on the same principal an EMI and a bullet produce very different total interest.

A Mysuru silk-saree weaver pledging 40 grams for ₹2.8 lakh of festival-season raw silk, repaying from Dussehra sales — the ₹10,000-minimum scheme her mother used before her.

Canara Bank gold loan EMI calculator

Repayment structure
Monthly EMI
₹17,513
Total interest
₹10,162
Total repayment
₹2,10,162

Indicative simple-interest arithmetic on the figures you set. Your sanctioned rate depends on scheme, LTV band and tenure, and the Key Fact Statement issued before you accept is the binding version.

Worked examples at Canara Bank's mid-board 9.25%

Loan amount 12 months 24 months 36 months
₹50,000 ₹4,378/mo₹2,290/mo₹1,596/mo
₹1,00,000 ₹8,757/mo₹4,580/mo₹3,192/mo
₹2,00,000 ₹17,513/mo₹9,160/mo₹6,383/mo
₹5,00,000 ₹43,784/mo₹22,900/mo₹15,958/mo

EMI figures at 9.25% — Canara Bank's mid-board slab. On a bullet structure the monthly outgo is interest only (₹771 a month on ₹1,00,000), with the principal due in full at closure.

Read the columns across rather than down. Stretching ₹2,00,000 from 12 to 36 months cuts the monthly outgo from ₹17,513 to ₹6,383, but you carry the pledge three times as long and pay roughly ₹19,632 more in total interest. At Canara Bank the rate does not improve with a longer commitment, so every extra month is interest on a pledge you would rather have released. Match the tenure to the date your money genuinely arrives, not to the smallest monthly figure.

How much gold loan can I get from Canara Bank?

Before the rate matters, the weight does. Canara Bank advances against appraised metal, so the number below is the ceiling your jewellery sets — the scheme you pick then decides what it costs. The result applies RBI's tiered loan-to-value ceiling, so the percentage you are advanced changes with the size of the loan itself — not with which lender you choose.

Canara Bank gold loan amount calculator

Appraised value
₹2,59,466
LTV tier applied
85%
Eligible loan (max)
₹2,20,546

Indicative, on the 2026-10-25 reference of ₹14,163/g (24k). RBI LTV tiers: 85% ≤₹2.5L, 80% ≤₹5L, 75% above. Lender schemes may advance less; stones/wastage count zero.

Two Canara Bank-specific limits sit around that figure: it lends from ₹10,000 to ₹35 lakh, so a pledge below the floor is declined as uneconomic to process and one above the ceiling has to be split or taken elsewhere.

Canara Bank appraises conservatively, as PSU counters generally do — stones, enamel and uncertain purity get discounted hard, and that caution is part of what pays for the low rate.

Where Canara Bank helps: south-Indian branch depth with gold-fluent staff and fast routine handling. Where it does not: ceiling (₹35 lakh) below SBI/BoB for large pledges.

The calculator assumes clean metal weight. Subtract stones, and treat an unhallmarked piece as likely to appraise a karat lower than you expect.

See Canara Bank gold loan per gram →
Today's gold rate, city-wise →

Canara Bank gold loan schemes

The 9%–9.25% band is not one product priced loosely. It is 3 distinct schemes, and which one you are sold decides both your rate and your repayment obligation. Asking for the right scheme by name is the single most effective thing a borrower can do at a Canara Bank counter.

Canara Swarna (retail)

The standard consumption gold loan — low entry threshold (₹10,000) that keeps small-ticket household borrowing inside bank pricing instead of pawn-shop pricing.

Canara Swarna Overdraft

Limit-style borrowing against pledged gold for shopkeepers and small businesses banking with Canara.

Agri gold schemes

Priority-sector farm lending with bullet repayment aligned to crop cycles.

Repayment structures offered

  • •EMI
  • •Bullet within 12 months
  • •OD utilization-based

Charges beyond interest

  • •Appraiser fee per pledge
  • •Nominal documentation
  • •Renewal at rollover
  • •Stamp duty

Processing: nil to 0.5% by scheme + appraiser fee.

The gap between Canara Bank's consumer scheme and Canara Swarna (retail) is large enough to be worth a conversation at the counter. Priority-sector lending rules let the bank price farm-purpose gold credit far lower — but nobody will move you onto it unless you produce the evidence and ask.

Is an Canara Bank gold loan cheaper than a personal loan?

Cheaper, yes — a gold loan is secured and a personal loan is not, and pricing follows collateral. But cheaper money against your jewellery is a different bargain from cheaper money against your signature.

Canara is the neighbourhood-bank option across the south: households and micro-businesses that want PSU rates, small minimums and staff who appraise gold every single day. Its sweet spot is the ₹50,000–5 lakh routine pledge handled competently and cheaply. Larger or longer borrowing runs into the ceiling and renewal cycle — plan around both or size up to SBI/BoB.

On ₹3 lakh, 24 months Canara Bank gold loan Unsecured personal loan
Indicative rate 9%–9.25% 10.5%–24%
EMI at the typical rate ₹13,740 ₹14,689
Credit score needed None — the pledge is the underwriting Typically 700+ for a bank
Income proof Not required Salary slips, bank statements, ITR
Disbursal Same day, after branch valuation 1–7 days
What you risk Your jewellery, at auction after notice Your credit file and legal recovery
Tenure up to 12 months (renewable); agri variants longer Up to 5–6 years

Because Canara Bank lends against the pledge rather than the payslip, the usual gatekeepers — score, employer category, income proof — simply do not appear. That is worth more than the rate gap to borrowers an unsecured desk would decline outright.

On the numbers above, the gold route costs roughly ₹949 a month less on ₹3 lakh over two years — about ₹22,776 in total.

Where an unsecured loan wins: it lasts longer, and failing it is survivable. Canara Bank's up to 12 months (renewable); agri variants longer limit forces short repayment, and the collateral is the part of household wealth people are least willing to lose.

Run both sides before deciding: personal loan guides and the personal loan EMI calculator give you the other half, and the gold loan hub compares Canara Bank against every other counter on one table.

The Canara Bank slab logic: lower LTV → lower rate

Every rung on Canara Bank's board answers one question — how much of the appraised value are you taking? Less drawn, thicker margin, cheaper rate; the ladder below frames the 9%–9.25% band on exactly that.

You draw (of value)Indicative rate*Monthly / ₹1 lakh
Up to ~55–60%9%₹750
~60–70%9.25%₹771
Max (75% cap)9.25%₹771

*Indicative framing of Canara Bank's 9%–9.25% band; actual scheme boundaries vary. Verify at branch — the KFS binds.

Translate before you sign: at Canara Bank's floor, every ₹1 lakh costs ₹750 a month; at its ceiling, ₹771. Across a ₹5 lakh pledge that's ₹105 of monthly difference for the same bangles.

Drawn@9%/mo@9.25%/mo@9.25%/mo
₹2 lakh ₹1,500 ₹1,542 ₹1,542
₹5 lakh ₹3,750 ₹3,855 ₹3,855
₹10 lakh ₹7,500 ₹7,710 ₹7,710

The ladder against neighbours

LenderFloorCeilingMonthly/₹1L at floor
Canara Bank9%9.25%₹750
Bank of Baroda 9% 9.4% ₹750
Kotak Mahindra Bank 9% 24% ₹750
South Indian Bank 9% 10.5% ₹750

Read floors against floors: a lender whose ceiling scares you may still hold the sharpest low-LTV slab. Canara Bank's position above is one input; your appraisal and scheme pick decide the rest.

Canara Bank full guide· Canara Bank per-gram· Rate today· All lenders

Canara Bank गोल्ड लोन — हिंदी में जानकारी

Canara Bank सोने पर कर्ज लगभग 9% से 9.25% सालाना की दर पर देता है, और अवधि up to 12 months (renewable); agri variants longer तक रहती है। ब्याज दर आपकी आय या सिबिल स्कोर से नहीं, बल्कि इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। नीचे वही सवाल हैं जो शाखा पहुँचने से पहले साफ होने चाहिए।

Canara Bank गोल्ड लोन — अक्सर पूछे जाने वाले सवाल

Canara Bank गोल्ड लोन की ब्याज दर कितनी है?
Canara Bank में सोने पर कर्ज की दर लगभग 9% से 9.25% सालाना के बीच रहती है, और यह इस बात से तय होती है कि आप गहनों की कीमत का कितना हिस्सा उठा रहे हैं। कम हिस्सा लेने पर जोखिम घटता है और दर नीचे वाली स्लैब में आती है। ₹1 लाख पर मासिक ब्याज ₹750 से ₹771 तक बैठता है। असली दर मंजूरी से पहले मिलने वाले Key Fact Statement में लिखी होती है — वही मान्य है।
Canara Bank से एक ग्राम सोने पर कितना लोन मिलता है?
आज के भाव पर 22 कैरेट सोने की कीमत लगभग ₹12,973 प्रति ग्राम है। इस पर RBI की तय सीमा लागू होती है — ₹2.5 लाख तक के लोन पर 85%, ₹5 लाख तक 80%, उससे ऊपर 75%। यानी छोटे लोन पर प्रति ग्राम ज्यादा पैसा मिलता है। Canara Bank में कर्ज ₹10,000 से ₹35 lakh तक दिया जाता है। नग और पत्थरों का वजन काटा जाता है।
Canara Bank गोल्ड लोन में EMI और बुलेट में क्या फर्क है?
Canara Bank 3 तरह से चुकाने की सुविधा देता है। EMI अनुशासन माँगती है पर कुल ब्याज घटाती है; बुलेट में महीने का बोझ कम रहता है क्योंकि सिर्फ ब्याज जाता है, लेकिन पूरा मूलधन आखिर में देना होता है। ऊपर दिए कैलकुलेटर में दोनों को बदलकर देखें — वही फर्क सबसे साफ दिखता है।
खेती के लिए Canara Bank का गोल्ड लोन सस्ता क्यों पड़ता है?
Canara Bank की कृषि गोल्ड स्कीम में ब्याज सामान्य स्कीम से काफी कम रहता है, और चुकौती अक्सर फसल चक्र के हिसाब से तय होती है — यानी बीच में हर महीने बड़ी किस्त नहीं। बदले में खेती के उपयोग का दस्तावेज देना होता है। यह सुविधा माँगने पर मिलती है, अपने आप नहीं।
अगर मैं Canara Bank का गोल्ड लोन नहीं चुका पाया तो गहनों का क्या होगा?
Canara Bank तुरंत नीलामी नहीं करता। पहले नोटिस भेजा जाता है, चुकाने का समय दिया जाता है, और उसके बाद ही सार्वजनिक सूचना देकर नीलामी होती है, जिसमें न्यूनतम कीमत तय रहती है। बकाया चुकाने के बाद बची रकम आपको लौटाई जाती है। अगर भाव तेजी से गिरे तो अतिरिक्त सोना या आंशिक भुगतान भी माँगा जा सकता है।

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Canara Bank gold loan — FAQs

Why does Canara Bank charge different gold-loan rates on different schemes?
Because LTV is priced: schemes advancing less against your gold (55–65% of value) carry more cushion for the lender, and that safety returns to you as a lower rate — while max-advance schemes (75%) price the thinner margin. At Canara Bank the indicative spread runs 9% to 9.25%; picking the slab is picking your trade.
What does a Canara Bank gold loan cost per month per ₹1 lakh?
Take the rate, divide by twelve, apply to each lakh: Canara Bank's 9% floor works out to ₹750/lakh/month and its 9.25% ceiling to ₹771. The table above does this for ₹2–10 lakh so the counter can't do it to you.
Are Canara Bank's advertised gold-loan rates guaranteed?
No — the 9%–9.25% band is indicative; your rate depends on scheme, ticket, tenure and (at some lenders) punctual-payment conditions. The Key Fact Statement handed to you before acceptance states the binding rate and APR; that document outranks every rate board and this page.
Can I move my gold loan from Canara Bank to a cheaper lender later?
Freely — nothing locks a gold pledge to Canara Bank beyond the dues: clear, release, re-pledge cheaper the same day (branches see the move weekly and some offer takeover flows). Budget the second round of appraisal and stamp charges, and make the switch when the saving is measured in percentage points.
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