Doctor Business Loan
Up to ₹1 Crore.
Purpose-built financing for practising doctors — set up a clinic, buy modern equipment or renovate your practice. Zero collateral, 3-day disbursal, rates starting at 10.99% p.a. Loan4Bank compares HDFC, ICICI, Bajaj, Kotak, Tata Capital & 5 more lenders in one shot.
- Rate of interest starting at 10.99%
- Age criteria — 25 to 65 years
- Repayment tenure up to 5 years
- Loan amount ₹1 lakh — ₹1 crore
- Zero collateral / no guarantor
Reasons to take a Doctor Business Loan
Purpose-built for professional doctors and practitioners. Use the funds to expand your clinic, upgrade equipment or renovate — but not for personal purchases or land.
Degree-wise Eligibility Grid
Every lender has a slightly different rulebook. Loan4Bank has consolidated the 2026 baseline eligibility across HDFC, ICICI, Bajaj, Kotak, IIFL and 5 more banks below.
| Degree | Specialisation | Experience | ITR | Additional |
|---|---|---|---|---|
MBBS Graduate Doctors | MBBS | Minimum 2 years | 2 Years ITR | — |
MD/MS/DM Super-specialist Doctors | MS · MD · DM | Minimum 2 years | 2 Years ITR | — |
BDS/MDS Dentists | BDS · MDS | Minimum 5 years post-qualification | 2 Years ITR | — |
BHMS/BAMS Ayurvedic & Homeopathic | BHMS · BAMS | Minimum 6 years post-qualification | 2 Years ITR | Must own a House or a Clinic |
DHMS Homeopathic Doctors | DHMS | Minimum 15 years post-qualification | 2 Years ITR | Must own a House or a Clinic |
Salaried vs Self-Employed Checklist
- Filled Application form + 2 passport-size photos
- Identity Proof (PAN, Driving Licence)
- Qualification Proof
- Address Proof + Own House Proof
- 2 Years Income Tax Returns
- Latest 3 months' Payslips
- 6 months' Bank Statements
- 3 Post-Dated Cheques / ECS Mandate
- Filled Application form + 2 passport-size photos
- Identity Proof (PAN, Driving Licence)
- Qualification Proof
- Address Proof
- 2 Years Income Tax Returns
- Practice / Self-employment existence proof — 3+ years
- 6 months' Bank Statements
- 3 Post-Dated Cheques / ECS Mandate
Doctor Loan Interest Rates
Rates vary widely across public sector banks and NBFCs. Tap Apply on any row to send an intent to that lender — we'll follow up on WhatsApp with the exact sanction letter.
| Bank / NBFC | Interest Rate | Action |
|---|---|---|
HDFC Bank | 11.25% | |
ICICI Bank | 12.50% | |
Bajaj Finserv | 14.00% | |
RBL Bank | 20.00% | |
Capital First | 16.00% | |
IIFL | 13.00% | |
Yes Bank | 16.25% | |
Fullerton India | 16.00% | |
Kotak Mahindra Bank | 16.00% | |
TATA Capital | 18.00% |
Note: Indicative rates & EMIs published by public lender pages, refreshed for Feb 2026. Sample EMI computed per ₹1 lakh at the shown tenure. Final rate depends on lender underwriting, CIBIL score, ITR & repayment history.
Get your best doctor loan offer
Tell us the basics and we'll open a WhatsApp chat with your best-fit lender.