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Overview

Professional Loans to Doctors are collateral-free and help doctors to facilitate the needs such as expansion of business, upgrade equipment, set-up/upgrade clinic and much more. This facility comes with the advantages of a speedy disbursal process, flexible repayment schedules and competitive interest rates. This exclusive doctor loan is designed for medical professionals who require instant access to finance.

The loan is available for following purposes:

  • Any personal purpose including purposes for meeting expenses of professional requirement.
  • Development of Clinic / Clinic-cum-residence, Nursing Home, Pathological Laboratory.
  • Purchase of medical / diagnostic equipment, setting up of operation theatre etc.
  • Purchase of office equipment viz. computers, fax, air-conditioners and furniture etc.
  • Purchase of assets like ambulance, etc.
  • Expansion/ renovation/ modernization of existing premises/ Clinic/ Nursing Home.
  • Working Capital requirement including stock of medicines.

Features & Benefits

Type Collateral-free term Loan
Funding Range Minimum above: 5 lacs
Maximum upto: 35 lacs
Features Doorstep service, Minimum documentation, Quick processing & collateral-free
Repayment Period 12 months to 48 months
Pricing Attractive rate of interest

Eligibility

  • ITR – Requirement based
  • Min. experience of 3 years for PG & 7 Years for MBBS doctors
  • Clean CIBIL
  • Residence Stability- Owned or 3years(if rented)
  • Age of applicant doctor - 25 to 70(at end of term)
  • Clubbing of family income possible- provided all are doctors

Documentation

  • Application form with a recent photograph
  • Proof of Identity (Passport Copy/ Voter ID card/ PAN Card etc.)
  • Address Proof (Ration card/ Telephone Bill/ Electricity Bill/ Rental agreement / Passport copy/ Bank Passbook or Statement)
  • Office Ownership Proof (if applicable) (Any One);Property Tax Bill, Municipal charges Bill, Electricity Bill, Sale Agreement, Share Certificate from the society.
  • Age proof (PAN Card, Passport, any other certificate from a statutory authority)
  • Proof of income: 2  years  latest Form  26  AS /  ITR /  Form – 16, past  3  month’s Salary  Slip  in case  of  salaried doctor
  • Bank Statements (Bank statement / Bank Passbook for last 6 months)
  • Copy of Last Degree Certificate & Medical registration certificate
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  • SAVINGS RATES

  • Daily balance Upto (& including) Rs. 10 Lakhs 4 %
  • Daily balance above Rs. 10 Lakhs & upto (& including) Rs. 1 Cr 5 %
  • Daily balance above Rs. 1 Cr 6 %
  • DEPOSIT RATES

  • Above 1 year 4 months to below 2 years 7.75 %
  • Indus Tax Saver Scheme - 5 years (upto Rs 1.5 lacs) 7.5 %
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