Professional Loan for Chartered Accountants
Running a CA practice takes more than expertise—it needs the right financial support. A professional loan for chartered accountants offers quick funds to upgrade your office, buy software, hire staff, and manage daily expenses.
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CA-Specific Solutions
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100% Digital
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No Collateral
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Affordable Rates
Last Updated: 19 August 2025
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Chartered Accountants Loan EMI Calculator
What is a Professional Loan for Chartered Accountants?
A professional loan for chartered accountants is a financial instrument specifically designed for CAs and their unique business requirements. Unlike regular business loans, these loans are designed according to the professional and financial background of CAs. The money can be utilized for various purposes — office establishment, technological upgradation, working capital, recruitment, or even branch expansion. Above all, these loans are generally collateral-free, so you don't have to mortgage your assets in order to raise funds.
For instance, if you're a CA and wish to grow your practice by opening a new office or investing in new IT systems, a professional loan for CA provides you with the freedom and quickness to do so.
Best Features & Benefits of CA Loan
Large Loan Amounts:
Up to ₹1 crore based on your profile and lender. This allows you to pay for both major and minor expenses without hassles.
Collateral-Free:
No collateral required against which the loan is given which makes it low-risk and more accessible.
Flexible Repayment Tenure:
Pay back your loan in easy installments where you can choose from 12 to 96 months, whatever suits your cash flow and business cycles.
Instant Approval & Disbursal:
You get approval almost instantly with funds disbursed in your account within 24–48 hours. Best when needed quickly, such as during tax season hiring or immediate equipment upgrade.
Competitive Interest Rates:
Rates start as low as 10% p.a. with flexible repayment options, making it easier to handle costs.
Minimal Documentation:
Only necessary documents are required which saves you a lot of time and tension.
End-Use Freedom:
Use the loan for any business expense — office rental, equipment, wages, or software.
Online Process:
Apply, upload documents, and monitor your loan — all from the convenience of your office.
Eligibility Criteria for CA Loan
Eligibility for a loan for chartered accountants is simple. Here’s what you need to fulfill:
- Nationality: Indian nationality.
- Age: 25–72 years at the maturity date of the loan.
- Employment: Self-employed, having your own practice or CA firm.
- Work Experience: Minimum 3 years of post-qualification experience as a CA
- Credit Score: A high credit score (700+)
- Proof of Practice: Valid Practice from ICAI (Institute of Chartered Accountants of India)
- Income Minimum annual income as specified by the lender (often ₹3 lakh or more)
Documents Required for a Professional Loan for CA
Have these documents handy for hassle-free application:
- Qualification Certificate: CA degree and Practice Certificate.
- Proof of Identity: Aadhaar card, PAN card, voter ID, or driving license.
- Address Proof: Utility bill, Aadhaar card, ration card, or rent agreement.
- Business Proof: Trade license, GST certificate, or proof of shop establishment.
- Bank Statements: 6 months' latest statements to reflect business cash flow.
- Business Financials: Latest balance sheet, profit & loss account, and ITR for last 2 years.
- Photograph: Recent passport-size photograph.
Having these documents ready can speed up your application and approval process.
How to Apply for CA Loan Online?
This electronic process allows you to apply from the comfort of your office, at your own time, with no delay caused by papers
CA Loan EMI Calculator
Your payment planning is crucial. A prudent borrower never misses calculating EMIs before borrowing. Use our CA loan EMI calculator to calculate your monthly EMIs and compare your payment ability. You simply have to enter your loan amount, annual interest rate, and loan term. It calculates your EMI instantly, helping you budget without any shock. This allows you to compare loan amount and term options, so that you can choose what works best for your practice.
Top Banks/NBFCs Offering CA Loans
| Lender | Maximum Loan Amount | Interest Rate (Approx.) | Tenure |
|---|---|---|---|
| Bajaj Finserv | Up to ₹80 lakh | 10%–20% p.a. | 12–96 months |
| HDFC Bank | Up to ₹75 lakh | From 12.50% p.a | 12–60 months |
| Axis Bank | Up to ₹50 lakh | From 14.25% p.a. | 1Up to 48 months |
| IDFC FIRST Bank | Up to ₹1 crore | From 10.99% p.a. | Up to 84 months |
| Poonawalla Fincorp | Up to ₹75 lakh | From 13% p.a. | Up to 60 months |
These NBFCs and banks are well-recognized for their customized loan products for CAs, with competitive interest rates and rapid processing.
Why Choose My Mudra for CA Loans?
At My Mudra, we assist chartered accountants in procuring funds that they require — quick and easy. Here is why CAs prefer us:
- 100% Online Process: Apply, upload, and monitor your loan online. No visits to branches, no waiting in lines.
- Quick Disbursement: Money comes to your account within 24–48 hours of approval so that you don't miss any business opportunity.
- Less Documentation: Necessary documents only, so less work for you.
- Personalized Offers: Avail the best loan for chartered accountants according to your profile and requirements.
- Transparent Terms: No hidden fees or charges, transparent repayment terms, and complete disclosure at each step throughout your loan journey.
- Dedicated Support: Our experts help you navigate your loan journey so you can pay attention to your clients and grow your business without worry.
- Flexible Repayment: Choose repayment options that suit your cash flow and pay your loan back with convenient monthly EMIs.
- Trusted by Professionals: Hundreds of CAs and finance professionals have trusted My Mudra with their funding requirements.
Finance Your CA Practice with Confidence with My Mudra
A professional loan for chartered accountants keeps your practice ahead. At My Mudra, we offer quick, flexible, and fully digital funding for CAs and finance professionals.
Need funds for office expenses, upgrades, software, or daily operations? Our professional loan for CA is tailored to your needs. Apply online now for hassle-free finance and grow your practice with ease.
Testimonials from Chartered Accountants
CA Rohan Mehta, Mumbai
Verified CustomerMy Mudra’s professional loan for CA helped me quickly expand my practice. The online process was smooth, and the flexible terms really suited my needs.
CA Priya Sharma, Delhi
Verified CustomerI needed funds to upgrade our accounting software and office infrastructure. The loan for chartered accountants from My Mudra was fast and hassle-free
CA Amit Kulkarni, Pune
Verified CustomerManaging working capital was always a challenge during tax season. The professional loan for chartered accountant from My Mudra gave me the cushion I needed
CA Sneha Patel, Ahmedabad
Verified CustomerI was impressed with the instant approval and 100% online application. My Mudra truly understands what CAs need in a loan for CA.
Frequently Asked Questions about Loan for CA
How much can I borrow under a loan for chartered accountants?
You can avail up to ₹1 crore, based on your profile and lender.
Do I need to pledge collateral for a professional loan for CA?
Loans for CAs are generally unsecured which means you are not required to risk assets or pledge any collateral.
What is the usual interest rate for a loan for CA?
Interest rates begin from 10%–10.99% p.a. and extend up to 20%, based on your credit history and lender.
How quickly can I receive the funds?
With electronic processing, funds are typically released within 24–48 hours upon approval
What are the eligibility requirements for a professional loan for chartered accountants?
You must be an Indian citizen, aged 25–72, with a minimum work experience of 4 years as a CA and a high credit score (700+).