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Get a doctor loan offer amount of up to Rs. 80 lakh
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Doctor Loan — Fast, Affordable aur Aapki Practice Ke Liye Best
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Key features
You do not need any collateral or guarantor to get your loan.
Choose from our Flexi hybrid term loan, Flexi Term, and Term Loan variants.
To apply for our Doctor loan, you need three main documents: 1. KYC documents - Aadhar / passport / voter's ID / driving license / letter from NPR / NREGA job card 2. PAN card 3. Medical Registration Certificate Additional documents required, if any, will be communicated during application process.
Your bank account will be credited with your loan amount within 48 hours, or in some cases, on the same day of approval. *The 48-hour disbursal timeframe is an estimate and may vary depending on verification processes, application timing, and additional documentation.
How to apply for a Loan for Doctors
How to Apply for Doctor Loan
Step-by-step guide to applying for a Doctor loan
- Click on the 'CHECK LOAN OFFER’ button on this page.
- Fill in the application form with your basic personal and professional details.
- Once you fill out the form, click on ‘CONTINUE’.
- Update the KYC details.
Note: Keep your medical registration certificate handy to finish the KYC process. Our representative will guide you on the next steps. The loan amount will be transferred to your bank account upon verification of your documents.
Loan for all your needs
Doctor Loan for Clinic Setup
Set up your medical clinic with a Doctor Loan tailored for healthcare professionals. Finance clinic space, equipment, and essential resources with quick approval and flexible repayment, helping you build a professional and patient-ready practice.
Doctor Loan for Medical Equipment Purchase
Get financial support for purchasing essential medical equipment. A Doctor Loan helps fund diagnostic devices, treatment tools, and clinic technology with flexible repayment options, supporting the growth of your healthcare practice.
Doctor Loan for Laboratory Setup
Set up a fully equipped medical laboratory with a Doctor Loan. Finance lab space, instruments, and essential technology with quick approval and flexible repayment, helping you provide accurate diagnostics and elevate your healthcare practice.
Features and benefits of our Doctor loan
Doctor Loan — Fast, Affordable aur Aapki Practice Ke Liye Best
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- 3 unique variants
Pick the loan that suits you best – Term Loan, Flexi Term Loan, Flexi hybrid Term Loan.
- 3 unique variants
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- No part-prepayment charge on Flexi variants
You can prepay a portion of your loan at no extra charges with our Flexi Term Loan and Flexi hybrid Term Loan.
- No part-prepayment charge on Flexi variants
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- Loan of up to Rs. 80 lakh
from Rs. 2 lakh to Rs. 80 lakh through an end-to-end online application process to manage your small/ large expenses.
- Loan of up to Rs. 80 lakh
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- Convenient tenures of up to 8 years
Get the added flexibility to pay back your loan with repayment options ranging from 12 months to 96.
- Convenient tenures of up to 8 years
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- No hidden charges
All fees and charges are mentioned upfront on this page and in the loan document. We advise you to read these in detail.
- No hidden charges
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- No collateral required
You do not need to provide any collateral such as gold ornaments or property, or guarantors when applying for the Doctor loan.
- No collateral required
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- End-to-end online application process
You can apply for our Doctor loan from the comfort of your home or from wherever you are.
- End-to-end online application process
Enhance your medical practice with a doctor loan. Whether you are renovating your clinic, expanding your practice, upgrading equipment, or starting a new venture, this loan offers the financial support you need for success. From creating a comfortable environment for patients to investing in state-of-the-art diagnostic equipment, Bajaj Finance Doctor Loan empowers you to achieve your clinic's goals and provide top-notch healthcare services.
Eligibility and documents required for Doctor Loan
Any doctor can apply for our doctor loan, as long as you meet four basic criteria mentioned below. You will also need a set of documents to complete the application process.
Doctor Loan Eligibility aur Documents — Simple Criteria, Quick Approval
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Eligibility criteria
Nationality
Indian
Age
21 years to 80 years*
CIBIL Score
650 or higher
Medical registration
Degree to be registered with the medical council
*Higher age limit is applicable at the time of loan maturity. -
Documents required
- KYC documents - Aadhaar/ passport/ voter’s ID/ driving license/ letter from NPR/ NREGA job card
- PAN card
- Medical registration certificate
Additional documents required, if any, will be communicated during the application process.
Interest rate, fees and charges
Frequently Asked Questions
Overview
Features
Eligibility
Application Process
What is a doctor loan?
A doctor loan is a financial product that is specifically designed to help medical professionals access financing to help them start or expand their practice. These loans usually offer lower interest rates and more flexible repayment terms than other types of loans.
What are the different types of doctor loans?
There are several different types of doctor loans available to medical professionals, including bank loans, lines of credit, working capital loans, and equipment financing.
What are the various doctor loan schemes?
Medical professionals can access a variety of doctor loan schemes, such as bank loans, lines of credit, working capital loans, and equipment financing, catering to diverse financial needs.
Why should you consider a professional loan for doctors?
Considering a professional loan tailored for doctors offers numerous benefits. With our professional loan for doctors, you can fulfil various financial needs without any restrictions on usage. From procuring new healthcare equipment to investing in the latest medical technologies, consolidating high-interest debts, or expanding your clinic, this loan provides the necessary financial support. Additionally, minimal documentation requirements, quick approval, and flexible repayment options make it an ideal choice for doctors seeking financial assistance. Whether you are upgrading your practice or enhancing patient care, a professional loan for doctors is a convenient and efficient solution to meet your specific requirements.
What is the maximum loan amount you can get with a doctor loan?
Bajaj Finance offers doctor loans of up to Rs. 80 lakh. You can check the doctor loan amount pre-approved for you by sharing a few basic details with us. Alternatively, you can enter your details in the online form and apply for a doctor loan.
How much loan can a doctor get in India?
The financial assistance provided by the Bajaj Finance Doctor Loan extends up to Rs. 80 lakh. However, the approved amount depends on the applicant's credit history and repayment track record of any prior loans.
What is the loan repayment tenure for professional loans for doctors?
The repayment tenure for professional loans for doctors typically ranges from 12 months to 96 months. However, the exact duration may vary based on factors such as the loan amount, the applicant's financial profile, and the lender's terms and conditions.
What is the Flexi Term Loan facility?
The Flexi Term Loan facility is a unique financial offering that lets you withdraw and prepay funds from your loan limit as per your requirement. In Flexi Hybrid Loans, you are charged interest only on the amount you utilise, and you have the option to reduce your EMIs during the initial tenure.
What is the difference between a Flexi Hybrid Loan and a Term Loan?
A Flexi Hybrid Loan and a Term Loan are two variants of doctor loans offered by Bajaj Finance.
A Term Loan is a regular doctor loan, where you avail of the amount you need and repay it over the loan tenure. Your instalments comprise an interest component and a principal component, and the EMI amount remains fixed throughout the tenure.
The Flexi Term Loan is a smart loan option that gives you access to a loan limit that you can withdraw from and repay as per your convenience. With the Flexi Hybrid Loan, you have the option of interest-only EMIs for the initial part of the tenure.
As the name suggests, the Flexi variants are more flexible, and offer you the chance to reduce the burden of loan repayments.
What is the required CIBIL Score for a doctor loan?
A good credit score enhances the chances of approval. Medical professionals can apply for a Bajaj Finance Doctor Loan if they have a CIBIL Score of 685 or higher.
Is it possible to get a professional loan for doctors without significant work experience?
Yes, it's possible to obtain a professional loan for doctors even without extensive work experience. Eligibility for such loans may depend on factors like qualifications, credit history, and repayment capacity, rather than solely on work experience. Contact us to explore your options and discuss eligibility criteria.
How do I apply for a loan for doctors?
If you are a pre-approved customer of Bajaj Finance, you can check your doctor loan offer by entering your name and phone number here. With pre-approved offers of up to Rs. 80 lakh, applying for a doctor loan is quick and easy.
If you are new to Bajaj Finance, you can apply for a doctor loan by filling up the online application form and submitting your KYC and other documents. Make sure you read about the documents required and the eligibility criteria before applying for a doctor loan.
Where can I find the loan account statement for my doctor loan?
Your loan account statement, your repayment schedule, and all other details of your doctor loan are available on our customer portal, My Account. In fact, you can see details of all your previous transactions with Bajaj Finance under the My Relations tab on the customer portal.
What our customers say about us
AI-generated customer review summary
Bajaj Finance Doctor Loan is highly regarded for its minimal paperwork, quick approval, and flexible repayment options, making it an ideal choice for medical professionals. Customers appreciate the seamless process for expanding practices and upgrading equipment, along with excellent customer service and low-interest rates, ensuring stress-free financial planning.
Satakshi Dwivedi
Reviewed on 19 Feb 2025
Expanding my medical practice was easy with Bajaj finance Doctor Loan. Minimal Paperwork
Shivi Yadav
Reviewed on 19 Feb 2025
Opening a second clinic was smooth with Bajaj Finance Doctor Loan, Low Interest rates and easy repayment terms made financial planning easier.
Rakshak Siya Jivan
Reviewed on 19 Feb 2025
Upgrade Medical equipment was seamless with Bajaj Finance Doctor Loan. Transparent process, minimal documentation, and excellent customer services,
Trisha Mehrotra mehra
Reviewed on 19 Feb 2025
I Upgraded my diagnostic centre with Bajaj Finance Doctor Loan. The fast Approval and structural EMI options made payment simple and stress-free.
Prem
Reviewed on 19 Feb 2025
"Bajaj Finance Doctor Loan made setting up my clinic effortless. Quick disbursal and flexible repayment options helped me invest in quality equipment
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application.