Prescribed Financing for Medical Professionals.

Medical professionals represent one of the most stable and creditworthy segments. We understand your unique financial needs - from starting a new practice to upgrading technology, from expanding your hospital to funding advanced education. Our doctor loan programs are designed with special terms that recognize your professional standing and earning potential."

Types of Doctor Loans

By Purpose:

1. Practice/Clinic Setup Loans

• For: New clinics, dental setups, diagnostic centers

• Amount: ₹10 Lakhs - ₹2 Crores

• Tenure: Up to 10 years

• Special: Includes interior, equipment, working capital

2. Medical Equipment Financing

• For: MRI, CT Scan, X-ray, Dental chairs, Lasers, USG machines

• Amount: ₹5 Lakhs - ₹5 Crores

• Tenure: Up to 7 years

• Special: Up to 100% financing, equipment as collateral

3. Clinic/Hospital Expansion

• For: Adding beds, new departments, branch expansion

• Amount: ₹25 Lakhs - ₹5 Crores

• Tenure: Up to 15 years

• Special: Project-based financing

4. Doctor Personal Loans

• For: Home purchase, renovation, education, travel

• Amount: ₹5 Lakhs - ₹75 Lakhs

• Tenure: Up to 7 years

• Special: Lower rates, higher amounts

5. Working Capital Loans

• For: Inventory, salaries, operational expenses

• Amount: ₹10 Lakhs - ₹1 Crore

• Tenure: 1-3 years

• Special: Overdraft facility available

6. Medical Education Loans

• For: Higher studies, specializations, international courses

• Amount: ₹10 Lakhs - ₹1.5 Crores

• Tenure: Up to 15 years (including moratorium)

• Special: Covers tuition, living expenses, equipment

3. Eligibility Criteria

Who Can Apply:

• Medical Practitioners:

  • MBBS Doctors (minimum 1 year experience)

  • BDS Dentists

  • MS/MD Specialists

  • Ayurveda/Homeopathy Doctors (BAMS/BHMS)

• Healthcare Professionals:

  • Physiotherapists (BPT)

  • Occupational Therapists

  • Clinical Psychologists

• Medical Institutions:

  • Nursing Homes

  • Diagnostic Centers

  • Small Hospitals (<50 beds)

  • Dental Clinics

Professional Requirements:

• Qualification: Recognized medical degree

• Registration: Valid MCI/State Medical Council registration

• Experience:

  • For new clinic: 1-3 years minimum

  • For expansion: Existing practice for 2+ years

• Age: 25-65 years (at loan maturity)

• Location: Practice/Clinic location determines eligibility

Income Consideration:

• Salary: For employed doctors

• Practice Income: For self-employed (average of last 2 years)

• Multiple Sources: OPD, surgeries, consultations, visiting hours

• Projected Income: For new setups with solid business plan

Documentation Required

Simplified Process:

• Professional Documents (Primary):

  1. Medical Degree Certificate

  2. MCI/State Council Registration

  3. Medical Practice Certificate

  4. Clinic/Hospital Registration (if applicable)

• KYC Documents:

• PAN Card

• Aadhaar Card

• Address Proof

• Passport-sized photographs

• Financial Documents:

• Last 2 years ITR

• 6 months bank statements

• For salaried: Salary slips, Form 16

• For practice: Income & Expense statement

• Property/Business Documents:

• Clinic ownership/rental agreement

• Equipment quotations (for equipment loans)

• Business plan (for new setups)

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