How to Set Up a Hospital with a Doctor Loan: Costs, Steps and Financing

In summary

Setting up a hospital requires careful planning, the right infrastructure and sufficient funding. Here are the key steps to consider:

• Plan your hospital: Decide on the medical specialities, services, infrastructure and staff you need.
• Estimate your investment: Account for property, construction, medical equipment, salaries, licences and working capital.
• Complete the required approvals: Identify the registrations, licences and permissions needed to operate your hospital.
• Explore funding options: Eligible doctors can explore a doctor loan from Bajaj Finance for loans ranging from Rs. 2 lakh to Rs. 80 lakh, with interest rates starting at 11% p.a., subject to eligibility and applicable terms.
• Choose a suitable repayment tenure: Compare repayment periods of 12 to 96 months to understand how the monthly EMI and total interest may affect your budget.

• Plan your finances: Estimate your monthly operating expenses and expected income before deciding how much to borrow.

  
  

With a clear plan and the right financial support, you can take the next step towards setting up your hospital. Explore a doctor loan from Bajaj Finance to check your funding options, subject to eligibility and applicable terms.

Last update: October 2026

The cost of setting up a hospital in India depends on its size, location, number of beds, specialities and medical facilities. A small hospital with basic services may need about Rs. 1 crore to Rs. 5 crore. A 50 to 100-bed multi-speciality hospital can cost Rs. 5 crore to Rs. 50 crore.

Startup cost breakdown (indicative)

These figures are indicative. Actual costs vary by city, hospital size and services offered.

Since hospital setup costs can run into crores, you may need more than one source of funding. A Bajaj Finance Doctor Loan of up to Rs. 80 lakh can cover expenses such as interiors, furniture, technology and initial working capital. For costly medical equipment like CT scanners, ICU systems and diagnostic machines, Medical Equipment Finance offers funding of up to Rs. 30 crore, with tenures of up to 120 months. Combining the two lets you spread large costs over time while keeping your savings for day-to-day operations. Both are subject to eligibility and applicable terms.

Setting up a hospital involves significant expenses, including medical equipment, interiors, furniture, technology and other professional requirements. Eligible doctors can consider a Doctor Loan from Bajaj Finance to fund such expenses without providing collateral or security.

Bajaj Finance offers Doctor Loans of up to Rs. 80 lakh, with repayment tenures of up to 96 months. Doctors can choose from Term Loan, Flexi Dropline Loan and Flexi Hybrid Loan options, subject to applicable eligibility criteria and terms. Before applying, estimate your hospital setup costs and determine the amount you need to finance. Consider expenses such as equipment, infrastructure, furnishings and initial operational requirements. You should also assess the applicable interest rate, processing fees and repayment tenure to plan your EMIs. Eligible applicants generally need to be Indian citizens aged 21 to 80 years, have a credit score of 650 or higher and hold valid medical registration.

To apply for a Doctor Loan to support hospital setup, applicants must meet the lender’s eligibility requirements. Bajaj Finance considers factors such as nationality, age, credit score and medical registration.

The eligibility criteria for a Bajaj Finance Doctor Loan include:

*The higher age limit applies at the time of loan maturity.

Here is the step-by-step guide to applying online for a Doctor loan by Bajaj Finance:

1. Click on the 'Check Eligibility' button on a doctor loan page
2. Enter your 10-digit mobile number and verify it using the OTP.
3. Fill in the application form with your basic personal and professional details.
4. Click 'CONTINUE' after completing the form.
5. Provide your banking details and complete the KYC process.
6. Submit your application for processing.

Note: Keep your medical registration certificate handy to finish the KYC process.

Bajaj Finance representative will guide you on the next steps. The loan amount will be transferred to your bank account upon verification of your documents.