CA Loan for office renovation

You require a larger area to serve your expanding clientele. A successful CA firm must have comfortable offices, a well-lit workstation, and enough storage. Why not remodel your workplace and give it a brand-new appearance with a CA loan up to Rs. 55 lakh.



One of the main expenses for remodelling your office will be the cost of the construction materials alone. Also factor in the cost of getting the materials to your office safely.



Hire a qualified architect to make the most of the space that is at your disposal. Additionally, you will need to employ interior designers to make sure that the form and functioning of your office's aesthetic are in harmony.



You will need to hire professionals for building, plumbing, electrical work, carpentry, and other tasks. Most of the time, the architect takes care of this, but you will have to pay for the contractors who will do it.

Furniture and Decor


Cushioned leather seats, bankers’ desk lamps, and a swanky reception area will add a prosperous look and feel to your office. You will also need adequate storage with advanced security systems for your clients’ confidential financial documents.

New Machinery


Update all the equipment your staff uses, too. Purchase high-performing laptops and invest in the latest accounting software to speed up tasks. You may also want to update your data security systems while you are at it.

3 unique variants of our CA loan

  • Flexi Term Loan

    Let us say Ravi takes a Rs. 15 lakh line with a tenure of 36 months and withdraws only Rs. 10 lakh. By the end of 12 months, he would have paid back Rs. 5 lakh plus applicable interest. At this point, he wants to expand his practice and wants Rs. 4 lakh rather soon. All Ravi needs to do is to sign in to My Account and withdraw Rs. 4 lakh.

    His practice does well over the next 18 months, and he has a windfall gain. Ravi wants to part-prepay Rs. 7 lakh out of the total Rs. 15 lakh. Once again, he simply needs to sign in to My Account and prepay Rs. 7 lakh.

    Ravi's interest has been automatically adjusted throughout, and he is paying interest only on the amount that is now due. Both the principal and the adjusted interest are included in his EMI.

    A modern-day business demands dynamicism and may need quick investments. A Flexi Term Loan is perfect for such uses.

  • Flexi Hybrid Loan

    This alternative has the same features as the Flexi Term Loan. The primary difference is that your EMI will only consist of the interest component throughout the loan's initial duration. The initial duration may vary depending on the loan's tenure. The remaining tenure will cover the interest and principal components in your EMIs.

    Click here for a detailed description of how our Flexi Hybrid Loan works.

  • Term Loan

    This is your regular loan. You take out a loan for a specific sum of money, which is then divided into equal monthly payments. These payments include both, the principal and the associated interest.

    There is a small fee for the repayment of your term loan before the end of tenure.

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Features and benefits of our chartered accountant loan

All you need to know about our CA loan

Watch this video to know everything about the features of our CA loan

  • 3 unique variants

    3 unique variants

    We have 3 new unique variants – Term Loan, Flexi Term Loan, Flexi Hybrid Loan. Choose the one that works for you best.

  • No part-prepayment fee on Flexi variants

    No part-prepayment fee on Flexi variants

    With Flexi variants, you can borrow as many times as you want to and part-prepay whenever you can. No extra charges.

    Read about our Flexi Hybrid Loan

  • Loan amount

    Loan of up to Rs. 55 lakh

    Get loans from Rs. 50,000 to Rs. 55 lakh through an end-to-end online application process to manage your small/ large expenses.

  • Convenient tenures

    Convenient tenures of up to 8 years

    We offer extended repayment tenures of up to 96 months so that you can pay your loans comfortably.

  • Money in your bank account

    Money in your bank account in 48 hours*

    In most cases, you will get your CA loan credited to your bank account within 48 hours of approval.

  • No hidden charges

    No hidden charges

    All fees and charges are mentioned upfront on this page and in the loan document. We advise you to read these in detail.

    Know about our fees and charges

  • No collateral required

    No collateral required

    You do not need to provide any collateral such as gold ornaments or property, or guarantors when applying for the CA loan.

  • End-to-end online application process

    End-to-end online application process

    You can apply for our CA loan from the comfort of your home or from wherever you are.

  • *Terms and conditions apply

    Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Pre-approved offers for new customers

We have pre-approved offers for both our existing customers and new customers. We only require your phone number to verify your identity.

If you are a pre-approved customer, you do not need to complete the application process again. Consider it to be our green channel.

Check your pre-approved offer

You may not need a loan or have an existing pre-approved offer. Still, you can choose from a wide range of products:

  • Set up your Bajaj Pay Wallet

    Set up your Bajaj Pay Wallet

    The only 4-in-1 Wallet in India lets you pay with UPI, EMI Network Card, Credit Card, and your digital wallet.

    Download Now

  • Check your credit health

    Check your credit health

    Your CIBIL Score and your credit health are two of the most important factors for you.

    Check your CIBIL score

  • Pocket Insurance to cover all your life events

    Pocket Insurance to cover all your life events

    We provide over 200+ insurance plans starting at Rs. 19 to cover hiking, damaging or losing your car keys, rainy-season ailments, and more.

    Discover Insurance Mall

  • Set up an SIP for as little as Rs. 100 per month

    Set up an SIP for as little as Rs. 100 per month

    You can Select from over 900 mutual funds from 40+ mutual fund companies, including Aditya Birla, SBI, HDFC, ICICI Prudential Mutual Fund, and others.

    Discover Investment Mall

Eligibility criteria and documents required

There are just a few simple criteria to be eligible for a CA loan. You will need some documents as well to finish your application.

Eligibility criteria

  • Nationality: Indian
  • Age: 22 years to 72 years*
  • CIBIL Score: 685 or higher


  • KYC documents
  • Certificate of Practice

*Age should be 72 years or less at the end of your tenure.

CA loan application process

Step-by-step guide to apply for a CA loan

  1. Click on the 'APPLY' button on this page.
  2. Enter your 10-digit mobile number and OTP.
  3. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  4. Once you enter all your details, please click on 'PROCEED' to visit the loan selection page.
  5. Enter the loan amount that you need. Choose from our three CA loan variants – Term, Flexi Term, and Flexi Hybrid.
  6. Choose the repayment tenure – you can select tenure options of 12 months to 96 months and click on 'PROCEED'.
  7. Complete your KYC and submit your CA loan application.

Note: Keep your Certificate of Practice handy to finish the KYC process.

Our representative will guide you on the next steps. The loan amount will be transferred to your bank account upon verification of your documents.

Applicable fees and charges

Type of fee

Applicable charges

Processing fees Up to 2.95% of the loan amount (inclusive of applicable taxes).

Flexi Fee

Term Loan – Not applicable

Flexi Term Loan (Flexi Dropline) - Rs. 999/- (Inclusive of applicable taxes)

 Flexi Variant (as applicable below) -
Rs. 1,999 (Inclusive of applicable taxes) for loan amount upto Rs. 1,99,999/-

Rs. 3,999 (Inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/-

Rs. 5,999 (Inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/-

Rs. 6,999 (Inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/-

Rs. 7,999 (Inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above

*Charges will be deducted upfront from the loan amont

Rate of interest

11% to 18% p.a.

Bounce charges

Rs. 1,500 per bounce.

Penal interest

Any delay in payment of monthly instalment/ EMI shall attract penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding from the date of default until the receipt of the monthly instalment/ EMI.

Part-prepayment charges*

4.72% (inclusive of applicable taxes) on part-payment amount paid.

Stamp duty

Payable as per state laws and deducted upfront

Mandate rejection charges

Rs. 450 per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered.

Annual maintenance charges

Flexi Term Loan - 0.295% inclusive of applicable taxes on the total withdrawable amount.

Flexi Hybrid Loan - 0.59% inclusive of applicable taxes on the total withdrawable amount in the initial tenure. 0.295% inclusive of applicable taxes of the total withdrawable amount in the subsequent tenure.

Foreclosure charges

Term Loan – 4.72% inclusive of applicable taxes on the principal outstanding amount as on the date of such full pre-payment.

Flexi Term Loan and Flexi Hybrid Loan: 4.72% inclusive of applicable taxes on total withdrawable amount (total loan amount that you can withdraw under Flexi Term Loan and Flexi Hybrid Loan from time to time as per the repayment schedule on the date of levy of such charges).

Broken period interest / Pre EMI-Interest

"Broken Period Interest/Pre EMI-Interest" shall mean the amount of interest on Loan for the number of day(s) which is(are):

Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the Loan

Method of recovery of Broken Period Interest/Pre-EMI Interest:

For Term Loan:  Deduct from disbursement

For Flexi Term Loan: Added to first instalment amount

For Hybrid Flexi Loan: Added to first instalment amount

Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the Loan, Interest on first instalment will be charged for actual number of days

*These charges are not applicable on the Flexi Term Loan and Flexi Hybrid Loan facilities. Moreover, part-prepayment should be more than one EMI.

Frequently asked questions

What is the maximum amount of loan I can get?

If you are a practicing CA, you can avail of a loan of up to Rs. 55 lakh Bajaj Finserv offers hassle-free loans for chartered accountants that help in financing their professional expenses. It comes with an attractive rate of interest. It is an unsecured loan, and therefore, you are not required to provide any collateral or guarantor.

What is the Flexi Term Loan facility?

Bajaj Finserv offers loans for CAs with the Flexi variants that allow you to withdraw money as per your requirement from the sanctioned loan amount. Under this facility, you have to pay interest only on the withdrawn amount and not on the entire loan limit. With the Flexi Hybrid Loan, you can also part-prepay when you have extra funds without paying any additional cost.

Where can I find the loan account statement for my CA loan?

Bajaj Finserv offers easy online access to loan statements through their customer portal, My Account. With the help of this portal, you can view and manage your loan account from any corner of the world. You can also download the e-statements and certificates free of cost.

How do I apply for a CA loan?

You can click on 'Apply’ to open the online application form. Once you share your basic and financial details, our representative will contact you with the loan offer. You have to submit the required documents to our representative at your doorstep. Once your loan gets approved, you will get money in your account in just 48 hours*.

*Terms and conditions apply

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