Chartered Accountant Loan for CA and CS

A Chartered Accountant Loan is a customized financial solution designed to support practicing CAs in growing their firm. They must present a CoP (certificate of Practice) obtained at least two years before the loan application date. Various banks and Non-Banking Financial Institutions (NBFCs) in India issue loans to chartered accountants.

At Terkar Capital, we understand the financial needs of CAs. Therefore, we facilitate professional loans tailored for CAs and CS. Our loan process is designed to be simple, ensuring fast disbursement and flexible repayment terms without any hidden charges.

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Key Features of CA Loans

Benefits of Chartered Accountant Loan

Expand or renovate the existing space
Scale-up operations
Establish or buy new office space
Pay for overhead costs
Upgrade your office infrastructure
Hiring new staff
Meeting working capital requirements

Chartered Accountant Loan Eligibility

The eligibility requirements for a Chartered Accountant loan vary with financial institutions. Here are some basic requirements for a CA Loan

3+ years of post-qualification work experience
A minimum annual income of ₹1 lakh
Age between 23 and 65 when the loan matures
Good CIBIL score
The CA firm must have been profitable in the past two years

Chartered Accountant Loan Documents

The following are the essential documents required for a Chartered Accountants Loan:

Business Proof: Practice Certificate, Partnership Deed (in case of partnership firm), Qualification Certificate, Shop Act Licence, MOA, AOA.

Address proofs: Aadhaar card, Passport, Sales deed, Driving Licence, Ration Card, Telephone Bill, Electricity Bill, or Property Purchase Agreement (If the purpose of the loan is to purchase a property).

Photo Identity proof
Income Proof: Bank statement, Latest ITR, Latest Audited Financials

How do we execute a professional’s funding proposal?

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Terkar Capital for Chartered Accountant Loan

At Terkar Capital, we understand the unique financial needs of chartered accountants or company secretary. Our CA professional loans are designed to support your growth ambitions. We begin by conducting a thorough financial SWOT analysis to identify your firm’s strengths and leverage them to secure funding at the most competitive rates.

Whether you’re looking to expand your practice, renovate your office, invest in new technology, hire additional staff, or simply manage your working capital more effectively, our professional loans for chartered accountants provide the financial flexibility you need to succeed.

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We Facilitate the Following Funding Instruments

FAQs on CA Professionals Loan

The CA Professional Loan is a competitive financing option with one of the lowest rates available. It starts with as low as 10.5% PA, subject to the financial ratios.

CA/CS should consider business loans when they prepare for growth, investment in technology, or at times of low interest rates. It’s advisable to assess the firm’s financial health and have a clear business plan before seeking financing.

Not really, as this is an unsecured funding. As such, you do not need to provide collateral to qualify for the sanction.

Chartered Accountants can use a Loan facility to grow their practice, upgrade office premises, or meet working capital needs. It's all with flexible, collateral-free funding.

Client Testimonial

Terkar Capital's expertise in financial analysis is unmatched, making it a trusted partner for businesses seeking funding solutions. Their in-depth understanding of industry dynamics allows them to identify opportunities and mitigate risks, ensuring that clients receive tailored credit arrangements that align with their objectives. With Terkar Capital, you can expect nothing less than personalized service and strategic guidance every step of the way.

Mahesh Kapale

Terkar Capital's financial SWOT analysis provides a comprehensive overview of a client's financial position, empowering them to make informed decisions about their credit needs. Their thorough understanding of industry trends and market dynamics allows them to tailor solutions that are both strategic and practical. With Terkar Capital, you can trust that your business will be positioned for success in today's competitive landscape

Hanmant Koshti

One of the best professional team and nice experience with Terkar Capital. They really work focused and driven by commitment and deliverability. Very transparent process, agile team, loved their way of communication and engaging with us. Commendable business relationship in their domain..