Chartered Accountant (CA) Loan

Eligibility criteria :

Below are the Chartered Accountant (CA) eligibility criteria:

• Profession: Must be a practicing Chartered Accountant.
• Age: 25 to 65 years (varies by lender).
• Nationality: Resident Indian.
• Qualification: Must hold a valid CA degree and be registered with the ICAI (Institute of Chartered Accountants of India).
• Experience: Minimum 1–2 years of post-qualification practice (varies by lender).
• Minimum annual income of ₹2–5 lakhs (as per ITRs).
• A stable and verifiable income source (from practice, consultancy, audit, etc.).
• CIBIL score of 700 or above is generally preferred.

Documents required :

If you are eligible for Chartered Accountant (CA) loan, check below the documents required:

• KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
• CA Degree Certificate.
• Membership Certificate from ICAI.
• COP (Certificate of Practice) – if applicable.
• ICAI Registration Number.
• Income Proof for Salaried: Last 3 months’ salary slips, Latest Form 16 or 2 years’ ITRs, Employment Certificate or ID Card.
• Income Proof for Practicing CAs: Last 2 years’ Income Tax Returns (ITRs), Balance Sheet & Profit & Loss Account (CA certified), 6–12 months bank statements (business & personal), Audit/consultancy fee receipts, if available.
• Business/Practice Proof: Office address proof, Utility bill of office (if owned), GST Certificate (if applicable), Rent Agreement or Ownership Papers.