Chartered Accountants (CAs) have access to one of the best unsecured loan products in Indian banking — purpose-built professional loans with preferential rates and higher limits.
Why Banks Love Lending to CAs
CAs have verifiable income through ITR, a professional license, and stable practice income. Default rates are among the lowest of any professional category.
Best CA Loan Offers in 2026
| Bank | Max Amount | Rate | Tenure |
|---|---|---|---|
| Kotak Mahindra | ₹50L | 10.75% | 7 yr |
| HDFC Bank | ₹40L | 11% | 5 yr |
| Bajaj Finserv | ₹35L | 11.5% | 6 yr |
Documents
- ICAI membership certificate
- 3 years ITR with computation
- Firm registration proof
- 6 months bank statement
CAs in practice for 2+ years with a CIBIL score of 700+ can typically get pre-approved offers directly from their bank.