CA Loan Fees and Charges

Know about the interest rate & charges for a CA Loan in detail

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Fees & Charges

On Bajaj Markets, the rates for a CA Loan start from 11% per annum. Here is a list of the applicable charges.

Fees & Charges	Particulars
Principal Holiday Facility Fees	Principal Holiday (as applicable below) - Up to ₹1,999 (Inclusive of applicable taxes) for loan amount less than ₹2,00,000. Up to ₹3,999 (Inclusive of applicable taxes) for loan amount between ₹2,00,000 and 3,99,999. Up to ₹5,999 (Inclusive of applicable taxes) for loan amount between ₹4,00,000 and ₹5,99,999. Up to ₹6,999 (Inclusive of applicable taxes) for loan amount between ₹6,00,000 and ₹9,99,999. Up to ₹7,999 (Inclusive of applicable taxes) for loan amount ₹10,00,000 and above. Note- The above mentioned Principal Holiday Facility Fees charges are inclusive of applicable taxes. The above principal holiday facility fees will be deducted upfront from loan amount. Loan amount includes approved loan amount, Insurance Premium and VAS Charges.
Interest Rate	11%  - 19%
Processing Fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)
Pre-payment charges	Full prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the outstanding loan amount as on the date of such full prepayment. Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the dropline limit as per the repayment schedule as on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (inclusive of applicable taxes) of the dropline limit as per the repayment schedule as on the date of full prepayment. Part prepayment Term Loan: Up to 4.72% (inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment. Not applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid Term Loan
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Legal & Incidental Charges	Recovery of charges
Stamp Duty (as per respective state)	Payable as per state laws and deducted upfront from the loan amount
Bounce Charges	₹1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason
AMC (Annual Maintenance Charges)	Term Loan: Not Applicable
	Flexi Term Loan (Flexi Dropline): Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
	Flexi Hybrid Loan: Up to 0.59% (Inclusive of applicable taxes) of the Dropline limit during Initial tenure. Up to 0.295% (Inclusive of applicable taxes) of Dropline limit during Subsequent tenure
Flexi Facility Charge	Term Loan: Not applicable
	Flexi Term Loan (Flexi Dropline) - Up to ₹999/- (inclusive of applicable taxes)
	Flexi Hybrid Loan (as applicable below): Up to ₹1,999/- (inclusive of applicable taxes) for loan amount less than ₹2,00,000/- Up to ₹3,999/- (inclusive of applicable taxes) for loan amount from ₹2,00,000/- to ₹3,99,999/- Up to ₹5,999/- (inclusive of applicable taxes) for the loan amount from ₹4,00,000/- to ₹5,99,999/- Up to ₹6,999/- (inclusive of applicable taxes) for the loan amount from ₹6,00,000/- to ₹9,99,999/ - Up to ₹7,999/- (inclusive of applicable taxes) for the loan amount of ₹10,00,000/- and above The above flexi facility charges will be deducted upfront from the loan amount. Loan amount includes approved loan amount, insurance premium and VAS charges.

*Disclaimer: The mentioned details are subject to change at the lender’s discretion

Disclaimer

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.

What factors influence the CA loan interest rate?

Several factors influence the CA Loan interest rate, which varies depending on the lender. Some of the most common factors that affect the minimum interest rate of a CA loan are your credit score, the loan terms, your earnings, and the economic climate.

What is the interest rate on a CA Loan?

On Bajaj Markets, the CA Loan interest rate ranges from 11% to 19% per annum.

How does my income determine the CA loan interest rate?

Your income reflects your financial standing and, hence, your repayment ability. Therefore, your income is an essential factor considered by the lender when determining the interest rate of your CA Loan.