cial product designed exclusively for medical professionals like MBBS, BDS, MD, MS, and other certified practitioners. It provides financial support to doctors for setting up or expanding clinics/hospitals, purchasing medical equipment, managing working capital, or meeting personal needs — with minimal documentation and attractive terms.
Features & Benefits
Exclusive for Doctors:-
Tailor-made for medical professionals with simplified processes and eligibility norms.
High Loan Amount:-
Avail loans of up to 50 lakhs or more depending on profile and financials.
No Collateral Required (for smaller amounts):-
Many doctor loans are unsecured up to a certain limit, saving the need to pledge assets.
Flexible Usage:-
Funds can be used for clinic setup, renovation, medical equipment, working capital, ambulance purchase, or personal purposes.
Quick Processing & Disbursal:-
Fast-track approval with priority processing for registered doctors.
Attractive Interest Rates;-
Competitive rates, lower than standard business or personal loans.
Flexible Repayment:-
Tenure options from 12 months to 84 months with easy EMI plans.
Eligibility Criteria
Qualification:
Applicant must be a certified medical professional such as:
MBBS / BDS / BAMS / BHMS / MD / MS / MDS or equivalent
Registered with the Medical Council of India (MCI) or respective state authority
Age: 22 to 65 years
Experience:
Minimum 1 year of post-qualification practice (some lenders may ask for 2–3 years)
Income:
Regular income from clinical practice, hospital employment, or private healthcare business
Credit Score:
A CIBIL score of 650 or above is generally preferred
Documents Required
Basic Documents:
Identity Proof: Aadhaar card / PAN card / Passport / Voter ID
Address Proof: Aadhaar card / Utility bills / Passport / Rent agreement
Passport-sized photographs
Professional Documents:
Medical Degree / Certificate (MBBS, BDS, etc.)
Registration Certificate with Medical Council of India or State Council
Practice proof (clinic registration, hospital appointment letter, etc.)
Financial Documents:
For Salaried Doctors:
Latest 3–6 months’ salary slips
Form 16 or Income Tax Returns (last 2 years)
Bank statements (last 6 months)
For Self-Employed Doctors:
Income Tax Returns (last 2–3 years)
Profit & Loss account, Balance Sheet (CA-certified)
Clinic establishment proof
Business bank statements (last 6–12 months)