सार्वजनिक क्षेत्र का बैंक (PSU Bank)पेंशनभोगी (वरिष्ठ नागरिक)स्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

केनरा पेंशन पर्सनल लोन

Affordable personal loan for Central/State Govt and Defence pensioners drawing pension through Canara Bank.

ऋण राशि सीमा₹25,000 to ₹10,00,000 (up to 15x monthly pension)

ब्याज दर (APR)11.25% - 12.50% p.a. (floating, linked to RLLR)

पुनर्भुगतान अवधि12 to 60 months (up to 75 years age)

प्रोसेसिंग शुल्कNIL processing fee for Defence pensioners; ₹500 + GST for civilian pensioners

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

उत्पाद का संक्षिप्त विवरण

Specially formulated credit facility for Central/State Government pensioners, Defence pensioners, and Family pensioners whose monthly pension is disbursed through Canara Bank branches.

प्रमुख लाभ एवं विशेषताएं

• Accessible to senior citizens up to 75 years of age • Concessional floating interest rate linked to Repo Rate • Direct automatic deduction from monthly pension credit • Zero processing fee for ex-servicemen and defence pensioners.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

All Central/State Government and Armed Forces pensioners drawing pension via Canara Bank. Age at loan completion: Max 75 years. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

NIL prepayment penalty across all repayment periods.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN, Aadhaar of pensioner and spouse • Pension Documents: Original PPO Booklet, latest pension slip • Mandate: Standing instruction authorization form.

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

• Mandatory Pension Mandate: Pension must be credited to a Canara Bank savings account. • Co-obligation / guarantee of spouse eligible for family pension is mandatory. • Net take-home pension after EMI deduction must remain above 40%.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Visit pension branch or apply via Canara ai1 app. 2. Submit PPO details and execute spouse co-obligation. 3. Disbursed within 24 to 48 hours.

2. नए ग्राहक (ऑनलाइन):

1. Submit inquiry on canarabank.com > Pension Loan. 2. Branch officer facilitates in-person verification.

3. बैंक शाखा में जाकर:

1. Visit Canara Bank pension branch with PPO booklet and pension slip. 2. Submit Loan Application and spouse consent letter. 3. Authorize standing instruction for automatic EMI recovery.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can family pensioners avail loan from Canara Bank?

Yes, family pensioners are eligible up to ₹5 Lakhs or 10 times monthly pension, whichever is lower.

Is a guarantor necessary?

Yes, the spouse eligible for family pension must join as co-borrower/guarantor.

What is the maximum age limit?

Up to 75 years of age at the time of final EMI repayment.