For practice owners
Professional Loan
Unsecured and practice loans for doctors, CAs, and consultants
Special grids for registered professionals who need clinic fit-outs, working capital, or a clean personal line without mixing it with a generic business loan.
Amount
Up to ₹75 Lakh
Rates from
11.25% p.a.
Tenure
12 – 60 months
Approval
3–7 working days*
Why borrowers pick this product
- Doctors, dentists, CAs, architects, CS
- Clinic / chamber fit-out and equipment
- Income assessed on ITR and practice vintage
- Co-applicant spouse often accepted
Indicative lender grid
Compare side by sideFigures are public-range illustrations for planning, not live bank APIs or guaranteed offers.
| Lender | Type | Rate | Amount | EMI / lakh | Processing | |
|---|---|---|---|---|---|---|
| HDFC Bank | Private Bank | 8.35% – 14.5% | ₹50,000 – ₹10 Cr | ₹2,015 – ₹2,370 | Up to 1% or as advertised | Enquire |
| ICICI Bank | Private Bank | 8.4% – 15% | ₹50,000 – ₹5 Cr | ₹2,018 – ₹2,400 | Up to 2% | Enquire |
| Axis Bank | Private Bank | 8.5% – 16% | ₹50,000 – ₹5 Cr | ₹2,025 – ₹2,450 | Up to 1.5% | Enquire |
| Kotak Mahindra Bank | Private Bank | 8.7% – 16.5% | ₹1 L – ₹3 Cr | ₹2,040 – ₹2,480 | Up to 2% | Enquire |
| Bajaj Finance | NBFC | 11% – 28% | ₹50,000 – ₹55 L | ₹2,175 – ₹3,100 | Up to 3.93% | Enquire |
| Tata Capital | NBFC | 10.99% – 24% | ₹75,000 – ₹75 L | ₹2,170 – ₹2,900 | Up to 3% | Enquire |
Practice setup
Fit-out, interiors, and first-year working capital for a new chamber.
Equipment
Dental chairs, imaging, lab analysers — often cheaper as a professional loan than a generic PL.
Personal liquidity
A clean unsecured line when you do not want to mortgage the clinic premises.
Eligibility
- Recognised professional qualification and registration
- Practice vintage typically 1–2 years
- ITR and banking that support the EMI
- Acceptable bureau score
Documents
- Degree, registration, and clinic proof
- KYC and PAN
- 2-year ITR and 12-month bank statement
- Quotation if the end-use is equipment
FAQs
Yes. Many lenders treat hospital-employed doctors on a salaried professional grid, sometimes with a practice top-up later.
