LOAN FOR DOCTORS
Specialized financing options for Doctors to build their dream clinic, purchase equipment, or manage personal expenses.
Why Choose AdVision Financial Services for Doctor Loans?
High Loan Amount
Avail high-value loans to set up or upgrade your medical infrastructure
Flexible Repayment
Longer tenure options to manage your cash flows effectively
Quick Disbursement
Prioritized processing for medical professionals
Simple Documentation
Hassle-free documentation process tailored for doctors
Preferential Interest Rates
Enjoy lower interest rates recognizing your noble profession
Collateral Free Options
Unsecured loans available for equipment purchase and practice expansion
Eligibility Criteria & Required Documents
Eligibility Criteria
Must be a qualified Doctor (MBBS, BDS, MD, MS, etc.)
Registration with Medical Council of India (MCI) or State Medical Council
Minimum post-qualification experience of 3 years
Applicant must be between 25 to 65 years
Minimum CIBIL score of 700
Resident of India
Required Documents
KYC Documents (PAN, Aadhar)
Medical Registration Certificate (MCI/State Council)
Degree Certificates
Income Tax Returns (ITR) for the last 2 years
Bank Account Statement for the last 6 months
Address Proof (Residence & Clinic/Hospital)
Passport size photographs
Features of Loan against Property
Clinic Construction/Renovation
Medical Equipment Purchase
Hospital Expansion
Balance Transfer of existing loans
Working Capital for Clinic
Personal Needs
Fees and Charges for Business Loan
Loan Processing Fees
0.5% to 2% of Loan Amount
Loan Cancellation
Usually 0 to 2% of Loan Amount
Stamp Duty Charges
As per state laws
Legal Fees
Nil
Penal Charges
Nil
EMI Bounce Charges
Approx ₹499 - ₹599
Practice-Based Eligibility, Not Salary Slips
Typical Salaried-Employee Loan
Salary slips & employer letter required
Eligibility tied to a fixed monthly salary
Employment continuity/tenure checked with the employer
Doctor Professional Loan
ITR-based income assessment — no salary slip needed
Eligibility tied to MCI/State Medical Council registration continuity
Income Tax Returns for the last 2 years accepted as income proof
Application Process
STEP 1
Fill Online Form
Provide your professional and personal details in our secure form
STEP 2
Upload Documents
Upload your medical registration and financial documents
STEP 3
Get Instant Approval
Fast approval based on your qualification and experience
STEP 4
Receive Funds
Disbursal into your account to start your project immediately
Calculate Your Savings With AdVision EMI Calculator
Loan Details
EMI Breakdown
Total Amount
₹ 6,00,000
Monthly EMI
₹ 13,347
Total Interest
₹ 2,00,800
Total Payable
₹ 8,00,800
Loan Summary
Loan Amount :
₹ 6,00,000
Interest Rate (p.a.) :
12.00%
Loan Tenure :
5 Yrs
Total Interest :
₹ 2,00,800
Terms & Conditions
Loans are available for registered medical practitioners only.
The loan amount eligibility depends on the qualification and years of experience.
Interest rates are variable and subject to change.
Processing fees are deducted from the loan amount.
Foreclosure charges may apply as per bank policy.
The bank may conduct a physical verification of the clinic/hospital premises.
For complete terms and conditions, please refer to the loan agreement document.