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Personal Loan for CA
- Attractive interest rates
- Easy & flexible repayment options
- Easy application process with quick sanctions
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.
Features of a Personal Loan for CA
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.
No Collateral Required
This is an unsecured loan, meaning you don’t have to provide any assets as security while availing of financial aid.
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.
Reasons To Get a Loan for CA from Aditya Birla Capital
Collateral-free
There is no need to pledge any asset to secure the loan. The funds are sanctioned based on your eligibility parameters—that’s all!
Flexible Repayment Period
Choose a repayment tenure of 84 months to ensure affordable EMIs for easy repayments.
Predictable EMIs
With a fixed interest rate, you can figure out your EMIs and plan your budget for hassle-free repayments
Quick Sanctions
Get the funds transferred to your account within 24 hours of application.
Facility to add a co-applicant
Adding a co-applicant to the Personal Loan for CA can increase your eligibility. You can also get a higher loan amount to meet different needs.
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 -
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 |
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 |
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
How to Apply for a Personal Loan for CA?
Apply Online
Visit the lender’s website and fill out the loan application form.
Upload Document
Submit basic KYC and income-related documents.
Get Instant Approval
Your application will be reviewed, and approval will be granted within minutes.
Receive Funds
Once approved, the loan amount is transferred directly to your bank account.
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
Eligibility criteria
* A higher age limit is applicable at the time of loan maturity.
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. |
ABC Of Calculators
Your estimated EMI amount
₹ 0Total Interest
₹ 0Total Payout
₹ 0You are eligible for a loan of
₹ 0*EMI @ 9% Interest Rate
₹ 0*
BALANCE TRANSFER LOAN
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Reduced Interest Rates. -
Lower Monthly Payments.
TOP UP LOAN
- Easy application process
- Borrow up to 80% of property value
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.
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Range of loan options for different needs
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Quick sanctions and disbursals
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Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Customer Satisfaction Stories
Hear from our happy customers what they have to say about their experience with us.
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
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.
Aditya Birla Housing Finance Customer
Belapur, India
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.
FAQs on Loans for CA
You can apply for a personal loan for CA online or offline. For the online mode, visit the website or mobile application of Aditya Birla Capital. For the offline mode, you can locate and visit the nearest branch of the company and make a physical application.
A credit score of 750+ is mandatory to get a loan in CA. A low credit score will result in rejection of the loan.
A CA loan is an unsecured personal loan available to Chartered Accountants (CAs). It can be used for any personal or professional financial obligations.
Yes, you can apply for a loan as a CA without any collateral, as the loan is an unsecured loan. Plus, having an existing car loan does not make you ineligible for the CA loan. You can apply for the loan even with existing debt.
An unsecured loan does not require any collateral security. You can get the loan based on your income and other eligibility parameters.
CAs who fulfil the eligibility parameters specified for the loan can apply.
Yes, prepayment is allowed under the CA loan. You can make a prepayment after the first 6 months. Also, prepayment would attract a charge which you should check before opting for it.
You can get a loan for CAs in India for any financial requirement, including medical emergencies.
The processing fee is non-refundable. It is utilised to process your loan application and sanction the funds.
Aditya Birla Capital offers two types of loans to Chartered Accountants under its Personal Finance category - Personal Loan and Flexi Loan.
Some of the benefits of personal loans for Chartered Accountants include the following -
• You can meet your financial needs easily
• No need to pledge any collateral security as the loan is unsecured
• The eligibility parameters are simple and the documentation is minimal
• You can get instant funds for emergencies
• You can use the loan for any personal or professional need
The maximum amount of the loan would depend on the eligibility qualification of the Chartered Accountant. CAs can use the eligibility calculator available online on the website and mobile application of Aditya Birla Capital and find out the maximum amount of loan available to them basis their eligibility.
CAs can get a personal loan for their business needs for repayment tenures going up to 84 months.