CA Loan Fees and Charges

A Chartered Accountant (CA) Loan can include interest and fees for processing, loan facilities, prepayment, late payments and other services. Review the applicable charges before accepting an offer from Bajaj Finance.

• Interest rate: 11% to 17.50% per annum.
• Processing fee: Up to 2.95% of the loan amount, inclusive of applicable taxes.
• Flexi facility charge: Not applicable to a Term Loan; Flexi Loan charges range from Rs. 999 to Rs. 16,999, inclusive of applicable taxes.
• Prepayment charges: Up to 4.72%, depending on the loan variant and applicable calculation basis.

If you want to know the interest rate applicable to your CA Loan, check your CA Loan eligibility with Bajaj Finance. The rate offered will depend on your eligibility, loan details and applicable terms and conditions.

The Bajaj Finance CA Loan interest rate ranges from 11% to 17.50% per annum effective from October 2026. Check the rate offered to you along with the repayment tenure and applicable charges to understand the total borrowing cost before accepting the loan.

Note: For loans under the Emergency Credit Line Guarantee Scheme (ECLGS) 5.0, only Stamp Duty charge is applicable.

The stated interest rate for a Bajaj Finance Chartered Accountant Loan is 11% to 17.50% per annum.  The rate offered to you depends on your profile and the terms of the offer. Factors that may be considered include your credit history, income and financial records, existing repayment obligations, loan amount and selected tenure.

• Credit history: A strong repayment record can support your application, although it does not guarantee a particular rate.
• Income and financial records: Income tax returns, bank statements and financial statements can help demonstrate repayment capacity.
• Existing obligations: Current EMIs and other credit commitments may affect the assessment.
• Loan amount and tenure: Consider an amount and repayment period that suit your cash flow.

To manage borrowing costs, pay existing credit obligations on time, keep financial records updated and avoid applying for several loans at once. Choose a shorter tenure only if the higher EMI fits your budget.

Illustration: The table below estimates the EMI and total interest for a loan of Rs. 10 lakh repaid over 60 months. It excludes processing fees and other charges. Figures are approximate and are not a quote.

Your actual EMI and total interest will depend on the final loan amount, interest rate, tenure and repayment terms. Confirm the figures in your offer and loan agreement.

Before signing a Chartered Accountant Loan agreement, compare the sanction letter and loan agreement with the published terms. Ask Bajaj Finance to clarify any missing or unclear information before accepting the offer.

• Loan variant: Confirm whether the offer is for a Term Loan, Flexi Dropline Loan or Flexi Hybrid Loan.
• Processing fee: Check how the processing fee is calculated and when it is payable.
• Flexi facility terms: Understand the applicable facility terms and whether any amount will be deducted upfront.
• Annual maintenance terms: Check the applicable calculation method and payment schedule for the selected Flexi Loan variant.
• Prepayment terms: Verify the conditions for full or part-prepayment and how the applicable amount is calculated.
• Repayment-related terms: Review the rules for delayed payments, failed instalment payments and other repayment obligations.
• Stamp duty and disbursal: Confirm the applicable stamp duty, any upfront deductions and the net loan amount expected to reach your account.

Keep a written record of clarifications received. Before signing, ensure that the loan terms, repayment schedule and expected disbursal amount are clear and consistent across the documents.

Charges may apply at different stages of a Chartered Accountant Loan, depending on the loan variant and the terms of the agreement. Some fees are deducted during disbursal, while others may apply during repayment or when the borrower makes a prepayment or closes the loan early. Review the sanction letter and loan agreement to understand when each charge applies and how it is calculated. Confirm any unclear terms with Bajaj Finance before accepting the loan.

To check foreclosure charges on a Chartered Accountant Loan, review the loan agreement and the latest fee schedule. Confirm the applicable charges for your loan variant and outstanding balance. Contact Bajaj Finance to request a foreclosure statement showing the outstanding principal, applicable charges, taxes and total amount payable. Before making the payment, verify the loan closure process, payment deadline and any required documents. Keep written confirmation of the final amount and retain the loan closure confirmation after repayment.

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

1. Click on the ‘CHECK LOAN OFFER’ button on this page.
2. Fill in the application form with your basic personal and professional details.
3. Click 'CONTINUE' after completing the form.
4. Provide your banking details and complete the KYC process.
5. 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 amount will be transferred to your bank account upon verification of your documents.