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 Chartered Accountant Loan

No collateral | Loan up to Rs. 80 lakh | Tenure up to 96 months
4.8
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All you need to know about our CA Loan
 
 
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Trusted by 3 lakh+ customers

 Chartered Accountant Loan
No collateral | Loan up to Rs. 80 lakh | Tenure up to 96 months
4.8

Key features

Watch Video ‌
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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 doctor loan: 1. KYC documents - Aadhar / passport / voter's ID / driving license / letter from NPR / NREGA job card 2. PAN card 3. Medical Registration Certificate 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.

Key features

Watch Video ‌
/content/dam/bajajfinserv/web/in/en/xaop/assets/sku-image-asset/loan/ca-loan/ca_pdp_icon/CA_PDP_01_NoCollateral.png
No collateral

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

/content/dam/bajajfinserv/web/in/en/xaop/assets/sku-image-asset/loan/ca-loan/ca_pdp_icon/CA_PDP_03_Three_Unique_Variants.png
3 unique variants

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

/content/dam/bajajfinserv/web/in/en/xaop/assets/sku-image-asset/loan/ca-loan/ca_pdp_icon/CA_PDP_04_Minimum_Documentation.png
Minimal documentation

You only need 3 basic documents to get our doctor loan: 1. KYC documents - Aadhar / passport / voter's ID / driving license / letter from NPR / NREGA job card 2. PAN card 3. Medical Registration Certificate 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.

Chartered Accountant Loan EMI Calculator

Features and benefits of our CA loan

How to apply for our CA Loan
 

How to apply for our CA Loan

  • 3 unique variants

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

  • Loan of up to Rs. 75 lakh

    from Rs. 2,00,000 to Rs. 75 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 and documents required for CA Loan
 

Eligibility criteria and documents required for CA Loan

  • 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.

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How to apply for a CA loan

How to apply for our CA Loan
 

How to apply for our 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 amount will 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% - 19% per annum

Processing fee

Up to 2.95% of the loan amount (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 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. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above

The Flexi facility charges above will be deducted upfront from the loan amount
*Loan amount includes approved loan amount, insurance premium, VAS 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 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 Loan

Annual maintenance charges

Term Loan: Not applicable

Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges

Flexi Hybrid Loan:
• Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure
• Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure

Bounce charges

In case of default of repayment instrument, Rs. 1,500 per bounce will be levied.

Penal interest

 Delay in payment of monthly instalment shall attract penal interest at the rate of 36% per month on the monthly instalment outstanding, from the respective due date until the date of receipt of monthly instalment.

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

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) charged in two scenarios:

Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, broken period interest is recovered by the following methods:
• For Term Loan: Deducted from the loan disbursement
• For Flexi Term Loan: Added to the first instalment
• For Flexi Hybrid Loan: Added to the first instalment

Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged:

In this scenario, interest is charged only for the actual number of days since the loan was disbursed.

Switch fees

Up to 1.18% of the loan amount (inclusive of applicable taxes)

(Switch fee is applicable only in case of switch of loan. In switch cases, processing fees and documentation charges will not be applicable.)

Our loan variants

Compare Loan Variants - Term vs Flexi Term vs Flexi Hybrid
 

Compare Loan Variants - Term vs Flexi Term vs Flexi Hybrid

  • Flexi Hybrid Loan
  • Flexi Term Loan
  • Term Loan

What is it

Allows flexibility in borrowing and repaying within a specified loan limit. You can withdraw and repay multiple times within the approved limit. Interest-only EMI is charged during the Initial Tenure, only on the amount utilised.

Flexibility

Easily withdraw funds from the sanctioned limit and prepay effortlessly with our most flexible loan variant.

Withdrawals

Get unrestricted access to funds with multiple withdrawals from the approved loan limit.

EMIs

Interest-only EMIs for the initial part of the loan tenure. EMI applicable only on the withdrawn amount.

Part-prepayment Charges

No part-prepayment charges.

Flexi Facility Charges

*Nominal Flexi facility charges applicable.

What is it

Offers flexibility in borrowing and repaying within a specified loan limit. Your EMIs cover both the principal and interest for the withdrawn sum over the entire duration.

Flexibility

Easily withdraw funds from the sanctioned limit and prepay effortlessly. More flexible than our regular term loan.

Withdrawals

Get unrestricted access to funds with multiple withdrawals from the approved loan limit.

EMIs

Fixed EMIs only on the withdrawn amount.

Part-prepayment Charges

No part-prepayment charges.

Flexi Facility Charges

*Nominal Flexi facility charges applicable.

What is it

There is no pre-assigned limit. Involves borrowing a fixed amount for a specified term. Repayments are made through regular EMIs, comprising both principal and interest.

Flexibility

Fixed loan structure and repayment schedule. Less flexible than our flexi term or flexi hybrid loans.

Withdrawals

Single disbursement of the loan amount.

EMIs

Fixed EMIs on the disbursed amount.

Part-prepayment Charges

Nominal* part-prepayment charges applicable.

Flexi Facility Charges

No Flexi facility charges

Frequently asked questions

Features

Eligibility

Application process

Calculator

What is the maximum amount of loan that I can get?

If you are a practising CA, you can avail of a loan of up to Rs. 80 lakh. Bajaj Finance offers hassle-free loans for chartered accountants. These loans help in financing their professional expenses.

What is the Flexi Term Loan facility?

Bajaj Finance offers loans for CAs with the Flexi variants. These variants allow you to withdraw money as per your requirement from the sanctioned loan amount. Under this facility, 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.

Do I need to provide any collateral to apply for a CA loan?

The Bajaj Finserv CA Loan is a collateral-free loan. You do not need to provide any property or gold ornaments to apply for this loan.

What is the tenure range for a chartered accountant loan?

When you opt for a CA loan from Bajaj Finance, you can choose a repayment tenure from 12 months to 96 months.

What should be the credit score for a CA loan?

To avail a CA loan with Bajaj Finance, you should have a credit score of 685 or above.

What are the interest rates applicable for a CA loan?

The interest rates for a Bajaj Finserv CA Loan range between 10% and 20% per annum.

Check applicable fees and charges

How do I know my eligibility for a professional loan for chartered accountants?

If you are an Indian citizen between 22 years and 80 years* with a CIBIL Score of 700 or higher, you are eligible for a CA loan.

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.

Where can I find the loan account statement for a chartered accountant loan?

Bajaj Finance 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.

What are the types of calculators available to assist with chartered accountant loan decisions?

Bajaj Finance offers 1 variations of calculators to aid in CA loan decisions:

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What our customers say about us

10 million + Customers
Rating
3 million + Total reviews
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Jaish Khan

Reviewed on 19 Feb 2025

"Bajaj Finance CA Loan helped expand my practice easily. Quick approval and minimal paperwork made it hassle-free. The flexible repayment options suited my needs perfectly!"

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Hari Modi

Reviewed on 19 Feb 2025

"I upgraded my firm’s technology with Bajaj Finance CA Loan. The quick process and tailored repayment options made it convenient. Excellent service!"

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Rahul Mishra

Reviewed on 19 Feb 2025

“Bajaj Finance made financing my office setup easy. Instant approval, minimal paperwork, and flexible EMIs saved me time. A great option for CAs!"

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Manmohan Shukla

Reviewed on 19 Feb 2025

"With Bajaj Finance CA Loan, upgrading my office was smooth. Competitive interest rates and fast disbursal made it stress-free. Highly recommend for CAs looking to grow!"

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Ashu Shukla Shukla

Reviewed on 19 Feb 2025

"Hiring staff and expanding operations was stress-free with Bajaj Finance CA Loan. The transparent process and easy EMI options made repayment simple!"

Watch our videos

A special loan only for CAs!
 
 

A special loan only for CAs!

What are the documents required for our CA Loan
 
 

What are the documents required for our CA Loan

How to use our CA Loan EMI calculator
 
 

How to use our CA Loan EMI calculator

Sirf Chartered Accountants ke liye exclusive loan? Kya baat hai!
 
 

Sirf Chartered Accountants ke liye exclusive loan? Kya baat hai!

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Disclaimer

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