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 Chartered Accountant Loan

No collateral | Loan up to Rs. 80 lakh | Tenure up to 96 months
CA Loan -CA_PDP_image_4
हमारे CA लोन के बारे में सभी ज़रूरी जानकारी
 
 
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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
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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, 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.

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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, 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.

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EMI Calculator

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Features and benefits of our CA loan

Read on to know why our CA Loan is the best option for you.

  • 3 unique variants

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

  • 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 Term Loan

  • Loan of up to Rs. 80 lakh

    Get loans from Rs. 2,00,000 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*

    The 48-hour disbursal timeframe is an estimate and may vary depending on verification processes, application timing, and additional documentation

  • 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 the fees and charges on CA loan

  • 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.
*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: 685 or higher

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

Documents required

You only need 3 basic documents to get our CA loan:

  • KYC documents - Aadhar / Passport / Voter's ID / Driving License / Letter form NPR / NREGA job card
    If your current address is not the same as the OVD document provided, please share any of the listed DOVD documents. Click here to view the documents.
  • PAN card
  • Certificate Of Practice (COP)

You may be asked for few additional documents during the course of the application process.

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.

How to apply for a CA loan

Step-by-step guide to apply for a professional loan for chartered accountant:

  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 personal and professional details.
  4. Once you fill out the form, click on ‘PROCEED’.
  5. Update the KYC details.
  6. Schedule an appointment for document verification.

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 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 Hybrid Term Loan

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

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

Prepayment charges

Full Pre-payment

• Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment

• Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the dropline limit 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 dropline limit as per the repayment schedule as on the date of full prepayment.


Part Pre-payment

• Term Loan: Up to 4.72% (Inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment

• 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 0.295% (Inclusive of applicable taxes) of the Dropline limit (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 Dropline limit during Initial loan tenor. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent loan tenor

 
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

 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
Legal & Incidental charges Recovery of charges
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.

Our loan variants

Loan variant

What is it

Flexibility

Withdrawals

EMIs

Part-prepayment Charges

Flexi Facility charges

Flexi Hybrid Term Loan

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.

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

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

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

No part-prepayment charges.

Nominal* Flexi Facility charges applicable.

Flexi Hybrid Term Loan

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.

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

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

Fixed EMIs only on the withdrawn amount.

No part-prepayment charges.

Nominal* Flexi Facility charges applicable.

Term Loan

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.

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

Single disbursement of the loan amount.

Fixed EMIs on the disbursed amount.

Nominal* part-prepayment charges applicable.

 No Flexi Facility charges
*Please refer to the Interest Rates, Fees and Charges section for more details on Flexi Facility charges and annual maintenance charges.

Frequently asked questions

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 Term 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 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.

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.

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 are the interest rates applicable for a CA loan?

The interest rates for a Bajaj Finserv CA Loan range between 11% and 19% 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.

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

Bajaj Finance offers 4 variations of calculators to aid in CA loan decisions:

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 700 or above.

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Watch our videos

What are the documents required for our CA Loan
 
 

What are the documents required for our CA Loan

A special loan only for CAs!
 
 

A special loan only for CAs!

Eligibility criteria for a Chartered Accountant Loan
 
 

Eligibility criteria for a Chartered Accountant Loan

How to use CA Loan EMI calculator
 
 

How to use CA Loan EMI calculator

Bajaj Finserv ka CA Loan to caters all his needs!
 
 

Bajaj Finserv ka CA Loan to caters all his needs!

Key features of our CA Loan
 
 

Key features of our CA Loan

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*.