Doctor's Loan

What is a Doctor’s Loan?

A Doctor’s Loan is a specially designed financial solution for medical professionals such as MBBS, BDS, MD, MS, BAMS, BHMS, and other registered doctors. This loan helps doctors meet both professional and personal financial needs, including setting up or expanding a clinic or hospital, purchasing advanced medical equipment, managing working capital, or covering personal expenses. Due to the stable income profile of doctors, these loans are offered at preferential terms.

Benefits of Doctor’s Loan

Exclusive for Medical Professionals: Tailor-made to suit doctors’ financial requirements.
Higher Loan Eligibility: Enhanced limits based on professional income.
Lower Interest Rates: Preferential rates compared to regular personal loans.
Flexible Usage: Can be used for clinic setup, expansion, equipment purchase, or personal needs.
Quick Approval & Disbursal: Faster processing with minimal documentation.
Secured & Unsecured Options: Available with or without collateral.
Flexible Repayment Tenure: Comfortable EMIs with longer repayment periods.

Eligibility Criteria for Doctor’s Loan

Applicant must be an Indian citizen
Age: 25 to 65 years
Profession: Registered medical practitioner (MBBS, BDS, MD, MS, BAMS, BHMS, etc.)
Experience: Minimum 1–3 years of professional practice
Income Stability: Regular and verifiable professional income
Credit Score: Preferably 650 or above
Registration: Valid Medical Council / State Medical Board registration

Documents Required for Doctor’s Loan

KYC Documents

PAN Card
Aadhaar Card
Passport / Driving License / Voter ID

Professional Documents

Medical Degree Certificates
Medical Council Registration Certificate

Financial Documents

Bank Statements (last 6–12 months)
Income Tax Returns (last 2–3 years)
Profit & Loss Statement (if applicable)

Clinic / Practice Documents (if applicable)

Clinic or Hospital Registration Certificate
Rent Agreement or Ownership Proof of Clinic

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