Funding for your practice, planned with care.
Doctors, dentists, chartered accountants, architects and other licensed professionals may borrow to set up or expand a practice, buy equipment or meet personal needs. Check an indicative affordability picture first.
Check your doctor & professional finance eligibility
Answer a few questions to see an indicative affordability picture. Everything is calculated in your browser — nothing you enter here is sent or stored.
What lenders look at
Lenders assess your qualification and registration, years of practice, income stability and existing obligations. Practice income is usually verified through ITRs and bank statements, salaried income through salary slips. Some products are unsecured; larger amounts or equipment purchases may be secured.
Qualification & registration
A recognised degree and valid professional registration are usually required.
Years of practice
Longer practice history and stable income support larger amounts.
Income & obligations
Your current EMIs affect how much additional instalment is affordable.
Purpose & security
Clinic setup, equipment and personal loans can carry different terms and security.
Documents lenders commonly ask for
- Degree and professional registration certificate
- KYC
- ITRs and practice bank statements, or salary slips if salaried
- Proof of clinic or office address, if self-practising
- Supplier quotation for equipment purchases
A general list — each lender publishes its own requirements and may ask for more. Share documents only through the lender’s official channels.
Before you submit an application
- Keep degree and registration certificates ready and current.
- Make sure practice income is reflected in ITRs and bank statements.
- For equipment, get a supplier quotation first.
- Compare total cost: interest, processing fee and prepayment charges.
Want to try other numbers? Use the EMI calculator →
Do I need to own a clinic to apply?
Not necessarily. Salaried and practising professionals may both be eligible; lenders assess income evidence either way.
Can recently qualified professionals borrow?
Some lenders offer smaller amounts early in a career; a co-applicant or security may help.
Is a professional loan different from a personal loan?
Some lenders have dedicated products for professionals; terms and eligibility vary, so compare the full cost.