केनरा उपभोक्ता लोन
Canara Bank personal loan for self-employed professionals and traders up to ₹8 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Unsecured credit facility provided by Canara Bank to self-employed individuals, professionals, business owners, and non-salaried earners for purchasing household appliances, electronics, or meeting family commitments.
प्रमुख लाभ एवं विशेषताएं
• Dedicated unsecured personal finance for non-salaried entrepreneurs • Competitive PSU pricing compared to private NBFCs • Repayment tenure up to 5 years (60 months) • Loan amount up to ₹8 Lakhs based on ITR assessment.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Self-employed professionals, traders, and businessmen with established business vintage of at least 3 years. Min Age: 25, Max Age: 65. Min CIBIL: 710.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
2% prepayment penalty if pre-closed within 12 months; NIL thereafter.
📂आवश्यक दस्तावेज (Required Documents)
• Identity & Address Proof: PAN, Aadhaar, Trade License • Income Proof: Last 2 years ITR-V with Computation of Income • Bank Proof: Last 12 months bank statements.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Minimum 2 years of ITRs required with declared annual income >= ₹3 Lakhs. • Proforma invoice or purpose quotation may be sought by the sanctioning branch. • Suitable co-obligation or third-party guarantee required if CIBIL is below 730.
🚀आवेदन के चरण (How to Apply)
1. Existing Canara account holders apply via NetBanking or branch with ITR copies.
1. Submit inquiry on canarabank.com > Consumer Loan. Branch representative contacts.
1. Visit nearest Canara Bank branch with 2 years ITR, business registration, and bank statements. Execute agreement.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
Can doctors and CAs apply for Canara Consumer Loan?
Yes, self-employed professionals are prime candidates for this loan with fast-track appraisal.
What is the minimum annual income required?
Minimum verifiable annual taxable income of ₹3 Lakhs as per latest ITR.
Is collateral required?
No collateral is required for loans up to ₹8 Lakhs meeting eligibility criteria.