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All you need to know about our CA Loan
 
 
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Trusted by 3 lakh+ customers

Loan for Chartered Accountants
No collateral | Loan up to Rs. 80 lakh | Tenure up to 96 months

Key features

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No collateral

You do not need any collateral or guarantor to get your loan.

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3 unique variants

Choose from our Flexi hybrid term loan, Flexi Term, and Term Loan variants.

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Minimal documentation

You only need 3 basic documents to get our CA loan:
1. KYC documents - Aadhar / passport / voter's ID / driving license / letter from NPR / NREGA job card
2. PAN card
3. Certificate Of Practice (COP)
You may be asked for a few additional documents during the course of the application process*.

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Disbursal in 48 hours*

Your bank account will be credited with your loan amount within 48 hours, or in some cases, on the same day of approval. *The 48-hour disbursal timeframe is an estimate and may vary depending on verification processes, application timing, and additional documentation.

Loan Amount

₹

Enter the loan amount between 200000 and 7500000

Enter the loan amount between 200000 and 7500000

Features and benefits of our CA loan

  • 3 unique variants

    Choose the loan type that suits you the best – Term Loan, Flexi Term Loan, Flexi hybrid Term Loan.

  • No part-prepayment charge on Flexi variants

    You can prepay a portion of your loan at no extra charges with our Flexi Term Loan and Flexi hybrid Term Loan.

  • Loan of up to Rs. 80 lakh

    from Rs. 2 lakh to Rs. 80 lakh through an end-to-end online application process to manage your small/ large expenses.

  • Convenient tenures of up to 8 years

    Get the added flexibility to pay back your loan with repayment options ranging from 12 months to 96.

  • 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

    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

    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

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

Unlock your firm's potential with a CA loan. Whether it's renovating your office space to accommodate a growing clientele, expanding your business to capitalise on new opportunities, traveling for industry events, or setting up a new practice, this loan provides the financial support you need. From office upgrades to administrative expenses, employee salaries, and international client engagements, the CA loan empowers you to take your chartered accountant firm to new heights. Turn your aspirations into reality and invest in the success of your practice with flexible financing options tailored to your needs. *Additional documents required,  if any, will be communicated during the application process.

*Terms and conditions apply

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Eligibility and documents

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 80 years*
  • CIBIL Score: 700 or higher

*Age should be 80 years or less at the end of your tenure.

Documents required

  • KYC documents - Aadhaar/ passport/ voter’s ID/ driving license/ letter from NPR/ NREGA job card
  • PAN card
  • Certificate of Practice

*Additional documents required, if any, will be communicated during the application process.

How to apply for a CA loan

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

  1. Click on the 'Check Eligibility' button on this page.
  2. Enter your 10-digit mobile number and verify it using the OTP.
  3. Fill in the application form with your basic personal and professional details.
  4. Click 'CONTINUE' after completing the form.
  5. Provide your banking details and complete the KYC process.

Submit your application for processing.

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

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

Applicable fees and charges on our CA Loan

Types of fees

Charges applicable

Rate of interest

11% - 17% per annum

Processing fee

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

Documentation charges

Up to Rs. 2,360 (inclusive of applicable taxes)

Flexi facility charges

Term Loan: Not applicable

 

Flexi Term Loan (Flexi Dropline): Up to Rs. 999/- (inclusive of applicable taxes)

 

Flexi hybrid Term Loan (as applicable below)

  • Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/-
  • Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/-
  • Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/-
  • Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/-
  • Up to Rs. 16,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above

002AThe Flexi facility charges above will be deducted upfront from the loan amount
*Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges.

Prepayment charges

Full prepayment

  • Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of full prepayment
  • Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment
  • Flexi hybrid Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment

Part prepayment

  • Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part prepayment
  • Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi hybrid Term Loan

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline): Up to 0.472% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi hybrid Term Loan:

  • Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure
  • Up to 0.472% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure

Bounce charges

Rs. 1,500 per bounce
“Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason"

Penal Charge

Penal Charge

Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.

Stamp duty

Payable as per state laws and deducted upfront from the loan amount

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

Legal and Incidental charges

Legal & Incidental charges

Recovery of charges

Principle Holiday Facility Fees

Principal Holiday Facility Fees

Principal Holiday (as applicable below)-

  • Up to Rs.1,999 for loan amount less than Rs. 2,00,000
  • Up to Rs. 3,999 for loan amount from Rs. 2,00,000 to Rs. 3,99,999
  • Up to Rs. 5,999 for loan amount from Rs. 4,00,000 to Rs. 5,99,999
  • Up to Rs. 6,999 for loan amount from Rs. 6,00,000 to Rs. 9,99,999
  • Up to Rs. 7,999 for loan amount of Rs.10,00,000 and above.

Note:

(1) The above mentioned Principal Holiday Facility Fees charges are inclusive of applicable taxes.

(2) The above mentioned Principal Holiday Facility Fees will be deducted upfront from the loan amount.

(3)  The loan amount includes approved loan amount, insurance premium and VAS charges.

Disclaimer

Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.