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.

Types of Personal Loan in India

Medical Emergency

Personal Loan for Marriage

Personal Loan for Teachers

Personal Loan for Emergency

Personal Loan for Home Renovation

Personal Loan for Students

Personal Loan for Women

Personal Loan for Salaried Individuals

Personal Loan for Government Employees

How to Apply for a Personal Loan for CA?

1step

Visit the Official Website or App

Start by visiting the Aditya Birla Capital website or downloading the mobile app.

2step

Check Loan Eligibility

Use the online loan calculator to determine eligibility and calculate your potential EMIs.

3step

Fill in the Application Form

Enter your personal, professional, and financial details to proceed with the application.

4step

Upload Required Documents

Submit scanned copies of your identity proof, income documents, and bank statements.

5step

Application Review and Approval

Your application will be reviewed, and once all criteria are met, it will be approved.

6step

Loan Disbursement

Upon approval, the funds will be credited to your bank account within 24 to 48 hours.

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.

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.

Tools

Financial Reports

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

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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.

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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.

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