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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Chartered Accountant Loan
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Chartered accountant loan calculator
Loan amount
₹10L
₹1 Cr
Loan term in months
12 Months
48 Months
Choose the Interest Rate
11%
25%
Your EMI will be
₹2,174/Lakh
*Chartered accountant loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Loan for Chartered Accounts (CA)
A loan for Chartered Accountants (CAs) is a specialised credit facility designed to support the unique requirements of CA professionals and their financial needs. As a chartered account, you can use the loan proceeds in expanding your consultancy, investing in new technology, or managing cash flow. This professional loan for CA provides the ideal financial solution to meet financing requirements without collateral.
An IDFC FIRST Bank chartered accountant loan offers a credit facility ranging from ₹5 lakhs to ₹1 crore, with repayment tenures of up to 84 months. With attractive interest rates starting at 11% and minimal paperwork, you can access funds quickly and focus on growing your practice.
The loan is available to individual CAs, CA-led partnerships, and firms. With flexible repayment options and higher loan amounts, IDFC FIRST Bank’s loan for chartered accountants is your partner in sustainable growth and operational ease.
Benefits of Professional Loans for Chartered Accountants
The professional loan for chartered accountant professionals from IDFC FIRST Bank offers multiple benefits to help you scale your practice with confidence. Here are some key advantages:
No collateral required
You can avail a CA loan of up to ₹1 crore without pledging any asset or property, making it a secure and stress-free funding solution.
Tailored for CAs
This kind of business loan is created specifically for self-employed CAs, solo practitioners, and CA-led firms, aligning with their income cycles, business models, and operational needs.
Quick processing and disbursal
Enjoy a completely digital loan application experience with minimal documentation. Funds are disbursed quickly so you can meet urgent business demands.
Multi-purpose flexibility
Use the loan for CAs to cover working capital needs, hire staff, invest in audit tools or tech upgrades, or open a new branch office without any restriction.
Cash flow support
Bridge gaps during client payment delays or slow billing cycles with immediate access to capital, ensuring smooth cash flow and uninterrupted operations.
Affordable interest rates
With competitive interest rates, a CA loan from IDFC FIRST Bank offers one of the most cost-effective options for professional funding in India.
Features of Professional Loans for Chartered Accountants
IDFC FIRST Bank’s professional loan for CAs is packed with features that offer financial freedom and convenience:
Collateral-free loan amount from ₹5 lakhs to ₹1 crore
Tenure flexibility ranging from 12 to 84 months
Fast track loan approval up to ₹30 lakhs for Chartered Accountants
Competitive interest rates starting at just 11% per annum
Online application and quick disbursal process
Loan available to meet your capital requirements for operations and expansions
Eligibility for Loan for Chartered Accountants
To avail a CA loan from IDFC FIRST Bank, you must meet the following eligibility criteria:
Eligibility for loan for chartered accountants
- Profession
Must be a practising chartered accountant with an active registration under ICAI (Institute of Chartered Accountants of India). - Age limit
Minimum: 23 years | Maximum: 68 years (at the time of loan maturity) - Experience
Minimum 2 years of continuous practice or relevant professional employment in the CA domain. - Financial health
Positive net worth and cash profit in the last two financial years. - Eligible entities
Loans are also available to CA-led firms, LLPs, and consultancy practices. - Banking history
A healthy banking profile is preferred. Instant loans of up to ₹30 lakhs may be offered based on professional qualification and banking behaviour.
Documents to apply for loans for chartered accountants
To apply for an IDFC FIRST Bank chartered accountant loan, you need to submit the following documents:
Salaried professionals
- Photo identity proof, address proof - As per RBI-defined KYC guidelines
- Education proof - Degree certificate, Degree registration
- Last 3 months’ bank statement
- Employee ID card
- Residence ownership proof
- Last 3 months’ salary slips
Self-employed professionals and entities
- Photo identity and address proof - As per RBI defined KYC guidelines
- Education proof - Degree certificate, Degree registration
- Ownership proof of residence or office as applicable
- Business proof - Shop Act License/MOA & AOA/GST registration/ITR, Partnership Deed, Udyam Certificate
Any one of the additional documents as per program
- Basis banking – Last 2 years of ITR & computation, 12 months banking
- Or basis degree – Last 3 months’ bank statement
- Or basis income -Last 2 years of ITR & financials, last 12 months’ bank statement
Interest Rates & Charges for CA Loan
IDFC FIRST Bank offers transparent and competitive pricing for loans for chartered accountants. Below is a summary of applicable charges:
- Rate of Interest Starting at 11%*
- Processing Fee Up to 3.5% of loan amount
- Stamp Charges As per applicable state laws
- Late Payment Charges 2% of overdue EMI or ₹300 (whichever is higher)
- EMI Bounce Charges 7.5% of EMI (minimum charge of ₹400, & maximum charge of ₹1000)
- Statement Charges ₹500 per NOC copy beyond the original issued by the bank
IDFC FIRST Bank offers transparent and competitive pricing for loans for chartered accountants. Below is a summary of applicable charges:
*Final rate depends on your credit score, qualifications, and repayment capacity.
Check the full list of professional loan fees and charges regarding IDFC FIRST Bank’s CA loans.
How to Apply for a Professional Loan for CAs
Applying for a chartered accountant loan with IDFC FIRST Bank is simple and digital-first. Here’s a step-by-step process:
Step 1
Click on 'Apply Now'
Step 2
Submit the required details
Step 3
Our representative will contact you within 24 hours
Step 4
Your application will be evaluated for eligibility
Step 5
Once verified, get the loan amount in your bank account
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FREQUENTLY ASKED QUESTIONS
When should I take a professional loan?
Professional loans are versatile and can be used for a variety of purposes. As a professional, you can opt for these loans whenever you need financial requirements to boost your business and operation.
How can I apply for professional loans for CAs?
You can apply for professional loans online on our portal or offline, by visiting the nearest branch in person. Carry your identity and business proof and documents along with the application form. Or, click the ‘Apply Now’ button and enter your contact and personal details to proceed.
What are the additional charges for a CA loan?
IDFC FIRST Bank does not have any hidden charges. In addition to the interest rates, you must pay a one-time processing fee during application. To know about various charges, click here!
What is the maximum tenure available on loans for chartered accountants?
IDFC FIRST Bank offers flexible tenures ranging from 12 months to up to 84 months on loans for chartered accountants.
What is the maximum amount available under loans for CAs?
We offer professional loans for CAs of up to ₹1 crore collateral-free. In addition, you can opt for instant professional loans of ₹30 lakhs as a working professional.