सार्वजनिक क्षेत्र का बैंक (PSU Bank)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: 2 to 3 working days.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

केनरा बजट पर्सनल लोन

Canara Bank personal loan for confirmed salaried employees up to ₹10 Lakhs with low processing fee.

ऋण राशि सीमा₹50,000 to ₹10,00,000 (up to 15x gross monthly salary)

ब्याज दर (APR)11.75% - 14.75% p.a. (floating RLLR-linked)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्क0.50% of loan amount + GST (Min ₹1,000, Max ₹5,000 + GST)

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Canara Budget Loan is Canara Bank's primary retail credit scheme designed for employees of Central/State Government, PSUs, joint-stock companies, and reputed private corporate organizations maintaining salary accounts with Canara Bank.

प्रमुख लाभ एवं विशेषताएं

• Low processing fee capped at a reasonable ₹5,000 + GST • Repayment tenure up to 5 years (60 months) • Loan amount up to 15 times gross salary • Concessional rates for corporate salary package account holders.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Confirmed permanent salaried employees with at least 1 year confirmed service in Govt/PSU or 2 years in private firms. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹15,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

2% prepayment penalty if pre-closed within 12 months; NIL thereafter from own sources.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN, Aadhaar, Passport • Employment Proof: Company ID Card, confirmation letter • Financial Proof: Last 3 months salary slips, latest Form 16 • Bank Statement: Last 6 months salary bank statement • Undertaking: Employer DDO check-off mandate.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Strict employer undertaking letter required committing to remit salary or deduct loan instalments. • Minimum net take-home salary after loan EMI must not fall below 25% to 40% depending on income slab. • Prepayment penalty of 2% applies if closed within the first 12 months.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Log into Canara ai1 Mobile Banking app > Loans > Canara Budget. 2. Submit salary details and choose tenure. 3. Digital in-principle sanction generated.

2. नए ग्राहक (ऑनलाइन):

1. Visit canarabank.com > Retail Loans > Canara Budget. 2. Fill online application form and upload payslips. 3. Branch representative coordinates verification.

3. बैंक शाखा में जाकर:

1. Visit your home Canara Bank branch. 2. Submit Application Form with last 3 months payslips, Form 16, and bank statements. 3. Provide employer check-off agreement letter signed by drawing officer.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit for Canara Budget Loan?

Up to ₹10 Lakhs or 15 times gross monthly salary, whichever is lower.

Is an employer undertaking compulsory?

Yes, Canara Bank requires an irrevocable mandate from the employer's DDO or a registered standing instruction on salary account.

What is the processing fee?

0.50% of the loan amount subject to a minimum of ₹1,000 and maximum of ₹5,000 plus GST.