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How to Get a Personal Loan for Chartered Accountants
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
Quick Approval
Take benefit from quick approval with minimum documentation, helping you to get the money at the right time when you need it the most.
Swift Loan Disbursal
As soon as your loan gets approved, it is immediately disbursed within some time provided it passes through the proper verification process.
Flexible Repayment Options
You can choose your repayment period as per your financial situation and ability to repay. The EMI is flexible and can be adjusted as per your repayment capacity.
Fixed Interest Rates for Stability
Enjoy the predictability of fixed interest rates throughout the loan tenure. Your EMI remains unchanged, making it easier to plan your finances.
Higher Loan Amount Eligibility
Eligible applicants can access higher loan amounts based on their income, credit profile, and repayment capacity. This provides greater financial flexibility for personal or professional requirements.
Our Offerings
Spread repayments over an extended tenure to keep EMIs affordable and predictable. A practical choice for funding larger expenses without straining your monthly budget.
Borrow only what you need, when you need it, from a pre-approved limit. Pay interest only on the amount utilised — not the full sanctioned sum — for a more cost-efficient way to manage cash flow.
Interest Rates Available for Loans for Chartered Accountant
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
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,
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
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.
ABC Of Personal Loan