Loan for CA

Need quick funds with simple documentation? Look no further than Aditya Birla Capital’s Loan for CA. Get quick funds and use the loan for any financial need.

Attractive interest rates
Easy & flexible repayment options
Easy application process with quick sanctions

₹ 5.50 Lakh Cr

AUM

1,712

BRANCHES

3.9 Cr

ACTIVE CUSTOMER BASE

₹ 1.78 Lakh Cr

CONSOLIDATED LENDING BOOK

How to Get a Personal Loan for Chartered Accountants

As a chartered accountant (CA), you play a crucial role in managing finances and ensuring compliance. But what about your own financial needs? Whether you want to expand your practice, invest in professional development, or cover unexpected expenses, a personal loan for CA can offer the financial support you need.

At Aditya Birla Capital, we provide tailored personal loan solutions with minimal documentation, attractive interest rates, and quick approval, ensuring you get the funds without any hassle.

Reasons To Get a Loan for CA from Aditya Birla Capital

Quick Approval

Applying for a personal loan for CA is a smooth digital process that takes just a few minutes.

Swift Loan Disbursal

Once approved, the loan amount is credited to your bank account within 24 to 48 hours.

Flexible Repayment Options

You can choose a repayment tenure between 12 to 60 months, allowing you to repay the loan at a comfortable pace.

Fixed Interest Rates for Stability

Enjoy affordable fixed interest rates, ensuring your EMIs remain predictable throughout the tenure.

Higher Loan Amount Eligibility

As a chartered accountant, your professional standing and stable income allow you to qualify for a higher loan amount.

Who Can Apply for a Personal Loan for CA?

Before opting for a Personal Loan, ensure you qualify by checking your eligibility here.

Documents Required for a Personal Loan for CA

Identity Proof: Valid documents include an Aadhaar card, PAN card, passport, or voter ID.
Proof of Residence: Acceptable documents include utility bill, rental agreement, or passport.
Income Proof: Applicants must provide income tax returns for the past two years or audited financial statements.
Bank Statements: A record of bank transactions from the last six months is required to assess financial stability.
Recent Photographs: Passport-size photographs are necessary for identity verification.

Eligibility Criteria for Personal Loan

Age Criteria : Applicants must be between 21 and 60 years old at the time of application.
Professional Eligibility: Self-employed chartered accountants with a steady income are eligible to apply.
Financial Stability: A consistent monthly income is necessary to meet the loan eligibility requirements.
Credit Score Requirements: A credit score of 700 or above is ideal to get favourable interest rates.
Work Experience: You should have at least one year of professional practice to qualify for the loan.

Our Offerings

Different individuals have different needs. That’s why we offer different types of personal loans for CA. Here’s what you can get -

Personal Loan

Get a collateral-free loan for every type of financial need that you have. Enjoy a flexible repayment tenure to get affordable EMIs.

View Plan Apply Now

Flexi Loan

Get a flexible repayment solution with interest payable only on the amount that you utilise. Save on the interest outgo and get quick funds.

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Interest Rates Available for
Loans for Chartered Accountant

Find out the interest payable on the Loan for CA to plan your repayments effectively.

Loans up to 12 months

Loan Type	Interest
The Short Term Reference Rate (STRR)	19.45% p.a. w.e.f.from March 1, 2024

Rates are indicative and depend on credit score, income, and profile. The best debt consolidation loan often starts lower for strong profiles (750+ CIBIL).

Loans more than 12 months

Loan Type	Interest
The Long Term Reference Rate (LTRR)	20.45% p.a. w.e.f. from March 1, 2024

Get A Loan for CA In 5 Easy Steps

STEP

Determine your financial needs

STEP

Check loan eligibility

STEP

Calculate monthly installment

STEP

Submit the relevant documents

STEP

Apply for a loan

STEP

Submit the relevant documents

STEP

Apply for a loan

Who Can Apply For a Loans for Chartered Accountant?

Find out if you are eligible to apply for a Loan for CA

Salaried

Self-employed Professional

Self-employed Non - Professional

Eligibility Criteria for Loans for CA

Are you eligible for a Personal Loan for CA? Check whether you meet the criteria.

Documents Needed

Proof of identity and address Passport / Aadhaar Card/ Voter's ID / Driving License/ Job Card issued by NREGA / Registration certificate / PAN card (PAN Card only as identity proof)
Proof of incomeSalary slip for the last 3 months showing all deductions and Form 16
Bank statement where income is credited Last 6 months
Proof of other income Last 3 months' salary slips or Salary certificate. Last 6 months' bank statement where salary is credited directly. Latest Form 16

Disclaimer - All loans will be at the sole discretion of ABFL.

Eligibility criteria

Nationality

Minimum age

Maximum age

Credit Score

Employment

Indian citizen

21 years

60 years*

750+

Salaried

* A higher age limit is applicable at the time of loan maturity.

Note - This is an indicative list that may change based on your actual loan application.

Fees and Charges for Loans for CA

Charge Type	Amount
Cheque Return charges	₹500 + GST per instance
Default Penal charges	3% of the pending amount per month
Charges for cancellation of Loan	4% of loan amount disbursed + applicable taxes
CIBIL report retrieval fees	₹100 + GST per instance
Charge for Exchanging PDCs / ECS	₹750 + GST per instance
Loan reschedule charges	₹5000 + GST per instance
Stamp Duty	As per Actual if applicable
Insurance Premium	As per Actual, if applicable
Pre-closure Quote	₹1000 + GST per instance
Any other charges	As per Actual, if applicable
Part - Pre-Payment Charges	Charges: A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure.
Foreclosure Charges	4% of the Principal outstanding amount + GST Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal.

Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate

ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Short Term Reference Rate

ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

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Different financial needs, different loans,
one app - ABCD

For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.

Range of loan options for different needs
Range of loan options for different needs
Quick sanctions and disbursals

Download our mobile app now

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Disclaimer

Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.

For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.

The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.

Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Housing Finance Customer

Hyderabad, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.

Mr. Vikram Balu Gavali

Aditya Birla Housing Finance Customer

Belapur, India

FAQs on Loans for CA

Yes, your CIBIL score is an important criterion for availing Loans for Doctors. You need a score of 750+ to be eligible for the loan.

The maximum loan amount would depend on your eligibility parameters. You can use the eligibility calculator available online to find out the maximum loan that you can apply for.

Yes, Aditya Birla Capital offers a seamless online process to apply for a Personal Loan for Doctors and receive funds as soon as possible.

Try to find out the reason for the loan's rejection. If the rejection is due to errors in the application form or incomplete documentation, do what is necessary to get the loan approved. However, you cannot get the loan if the rejection is due to eligibility.

There are no restrictions on the end of the loan amount. The loan is multipurpose and can be used for any financial need.