1. High Loan Amount

   • Avail loan amounts up to ₹50 lakh or more, depending on eligibility.

2. Flexible Tenure

   • Repayment periods ranging from 12 to 84 months for convenient EMI options.

3. Attractive Interest Rates

   • Competitive interest rates tailored to suit professionals' financial stability.

4. Minimal Documentation

   • Hassle-free application with simple documentation requirements.

5. Quick Disbursal

   • Fast processing and loan disbursement to address urgent financial needs.

6. Collateral-Free Options

   • Unsecured loan options available, eliminating the need for pledging assets.

7. Dedicated Loan Products

   • Loans designed specifically for purposes like office expansion, equipment purchase, or working capital.

8. Online Application

   • Seamless online application process with instant eligibility checks.

9. Top-Up Facility

   • Additional funds available through top-up loans for existing borrowers.

10. Tax Benefits

• Potential tax deductions on interest paid under specific conditions (consult a tax advisor).

11. Customizable Repayment Plans

• Flexibility to choose repayment structures like step-up or step-down EMIs.

12. Exclusive Benefits for CAs

• Tailored benefits such as reduced processing fees or pre-approved offers.

1. Tailored for CSs

   1. Specifically designed to meet the unique financial needs of Chartered Accountants.

2. No Collateral Required

   1. Enjoy access to funds without pledging assets, ensuring financial flexibility.

3. Quick Access to Funds

   1. Fast processing and disbursal, enabling immediate use of funds for professional needs.

4. Enhances Business Growth

   1. Use the loan for office expansion, hiring staff, upgrading technology, or improving services.

5. Flexible Repayment Options

   1. Choose repayment plans that suit your income flow, ensuring better financial management.

6. Tax Efficiency

   1. Interest payments on certain professional loans may qualify for tax benefits, reducing the effective cost.

7. Improves Cash Flow

   1. Helps manage working capital and ensures smooth business operations without liquidity constraints.

8. Boosts Professional Image

   1. Investments in office infrastructure and services improve credibility and client perception.

9. Support for Diverse Needs

   1. Suitable for a variety of purposes, including debt consolidation, purchasing equipment, or funding new ventures.

10. Minimal Hassle

• Simple application process with reduced paperwork saves time and effort.

11. Exclusive Offers

• Special privileges like lower interest rates or pre-approved loans for CAs enhance the value proposition.

12. Strengthens Credit Profile

• Timely repayment of professional loans helps build and maintain a strong credit score.

To qualify for a professional loan as a Company Secretary (CS), the following eligibility requirements typically apply:

1. Professional Qualification

   • The applicant must hold a valid certification from the Institute of Company Secretaries of India (ICSI) and be a registered member.

2. Age Criteria

   • Minimum age: 21 years.

   • Maximum age: 65 years (at the time of loan maturity).

3. Work Experience

   • Self-Employed CS: Minimum of 1-2 years of independent practice.

   • Salaried CS: Employment with a recognized firm or organization with a stable income record.

4. Business Stability

   • For self-employed professionals, a minimum of 1 year of consistent practice or operation.

5. Income Requirements

   • A steady income to ensure repayment capacity.

   • Proof of income such as IT returns or financial statements may be required.

6. Credit Score

   • A good credit score (usually 700 or above) to establish creditworthiness.

7. Residency Status

   • The applicant must be a resident of India.

8. Debt-to-Income Ratio

   • The applicant’s existing financial liabilities should be within acceptable limits to qualify for a new loan.