Doctor Loan & Overdraft (OD)
up to ₹75 Lakhs | From 11.99% p.a.
Loan amount | Quick Disbursal | Flexible EMI
Doctor Loan & Doctor OD Overview
Tailor-made collateral-free Doctor Loans and Doctor Loan OD (Overdraft Facility) designed specifically for self-employed doctors, clinic owners, surgeons, and healthcare practitioners. Access revolving credit or term loans to upgrade medical equipment, expand clinic premises, or manage daily hospital cash flow with instant online approval.
| Interest Rates | From 11.99% p.a. |
| Loan Amount | ₹1L – ₹75L |
| Maximum Tenure | Up to 5 Years (60 Months) |
| Disbursal Turnaround | Within 24 to 48 Hours |
| Upfront Charges | Zero Advance Cash Fees |
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Doctor Loan & Doctor OD Features & Benefits
Key product features and underwriting advantages tailored for you.
Customized for Healthcare Practitioners
Specially structured credit policies recognizing medical degrees (MBBS, MD, MS, BDS, MDS) and clinical practice vintage.
100% Collateral-Free & Unsecured
Zero requirement to mortgage clinic premises, pledge medical equipment, or provide gold collateral.
High Sanction up to ₹75 Lakhs
Access substantial liquidity from ₹1 Lakh up to ₹75 Lakhs to fund practice growth, hiring, or advanced diagnostic gear.
Express 24-48 Hour Disbursal
Instant digital e-KYC and automated bank statement verification ensure same-day sanctions and rapid direct account crediting.
Flexible Repayment Horizon
Choose comfortable repayment terms from 12 to 60 months (up to 5 years) to maintain optimal practice cash flows.
Zero End-Usage Restrictions
Deploy funds freely for clinic renovation, cutting-edge medical technologies, hiring specialist staff, or consolidating high-interest debt.
Eligibility & Documents Required
Minimal documentation with 100% digital verification.
Eligibility Criteria
Basic qualifications to apply
- check_circleNationality: Applicant must be a Citizen of India.
- check_circleAge Criteria: Between 24 years (at loan application) and 65 years (at loan maturity).
- check_circleEligible Medical Profiles: Self-employed Doctors (MBBS, MD, MS, BDS, MDS, DM, MCh, BHMS, BAMS) running their own clinics, nursing homes, dental centers, or hospitals.
- check_circleProfessional Experience: Minimum 1 year of post-qualification continuous medical practice or clinical vintage.
- check_circleMinimum Annual Income: Minimum annual professional income receipts of at least ₹3 Lakhs.
- check_circleCredit Profile: Minimum 650+ CIBIL score with healthy repayment track record.
Documents Required
Simple digital paperless upload
- task_altProof of Identity: PAN Card, Aadhaar Card, Passport, Voter ID, or Driving License.
- task_altProof of Address: Electricity Bill, Utility Bill, or Registered Rent Agreement.
- task_altProfessional Qualification Proof: MBBS / MD / MS / BDS Degree Certificate and State/National Medical Council Registration Certificate.
- task_altPractice & Clinic Proof: Clinical Establishment Certificate, Clinic Utility Bill, or Commercial Lease Agreement.
- task_altFinancial Documents: Last 6 to 12 Months Bank Statements and Last 2 Years ITR with Computation of Income.
EMI Calculator for Doctor Loan & Doctor OD
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Frequently Asked Questions
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