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Financial Experts

Loans for Chartered Accountants

We assess your firm revenue, ICAI credentials, and practice potential. Get loans that financial experts deserve.

₹75 Lakhs
Max Amount
9.5% p.a.
Starting Rate
48–72 Hrs
Approval
0–0.5%
Processing Fee
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WHAT WE OFFER

Tailored for Your Firm

From working capital to firm expansion — financial solutions designed for CA professionals.

📊

Revenue-Based Assessment

Your firm's gross revenue, not just drawings, is considered for maximum loan eligibility.

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Office Setup & Expansion

Fund your CA firm setup, office renovation, software infrastructure, or branch expansion.

💼

Working Capital Overdraft

Flexible overdraft facility to manage tax season cash flow. Pay interest only on amount used.

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Minimal Documentation

ICAI membership certificate + ITR accepted. No complex salaried-income requirements.

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Tax Benefit Consultation

Our expert advisors help structure your loan to maximize deductions under Section 24 & 80C.

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Priority Processing

ICAI fellows get dedicated fast-track underwriting. Approval in 48–72 hours guaranteed.

ELIGIBILITY

Who Can Apply?

Qualification
Chartered Accountant (CA), CMA, CS with ICAI/ICMAI membership
Membership
Active ICAI membership — ACA or FCA
Experience
Minimum 1 year post-qualification work or practice
Age
23 to 65 years at loan maturity
CIBIL Score
700+ preferred; 680+ considered for established firms
Income
Minimum ₹50,000/month (drawings or salary)
DOCUMENTS

What You'll Need

🪪Aadhaar Card & PAN Card
🎓ICAI Membership Certificate
📋Last 3 years ITR with P&L and Balance Sheet
🏦Last 6 months current account statements
📍Office address proof / lease deed
📊Firm partnership deed (if applicable)
HOW IT WORKS

Simple 5-Step Process

01
Quick Application
Fill our 3-minute online form. No branch visit needed.
02
Document Upload
Upload ICAI certificate, ITR, and bank statements securely.
03
Bank Matching
We compare 15+ banks to find the best rate for your profile.
04
Offer Letter
Digital offer letter within 72 hours. Review and e-sign.
05
Fund Transfer
Amount credited to your account. Setup your practice now.
FAQ

CA Loan — FAQs

Common questions from chartered accountants

Yes, freshly qualified CAs can apply. A CIBIL score of 700+ and 1 year of articleship or employment experience improves eligibility. A co-applicant with income can also help.

CAs can get up to ₹75 Lakhs unsecured. For secured loans (against property or assets), amounts can go up to ₹5 Crore depending on collateral value and firm revenue.

Yes. Professional loans can be used for any business purpose including software licenses, IT infrastructure, office furniture, and working capital.

Yes. An overdraft (OD) facility gives you a credit limit from which you draw as needed and pay interest only on the amount used. It's ideal for CAs managing seasonal tax-season cash flow.

Yes. Gross billing income of your firm, your personal drawings, and any salary income are all counted together to calculate your maximum loan eligibility.

Professional loan processing fees vary by lender. CapitalFlax negotiates the lowest possible fee — typically 0% to 0.5% — for CA loan applicants through our partner banks.

Ready to Grow Your CA Practice?

Join 2,000+ chartered accountants who trust CapitalFlax.

Apply Now — It's Free