Doctor Loan

Eligibility criteria :

Below are the Doctor Loan eligibility criteria:

• Nationality should be Indian.
• Minimum age: 25 years and Maximum age: 60 years.
• Must be a qualified medical professional with any of the following degrees (MBBS/ BDS / MDS/ BHMS / BAMS/ MD / MS / DM / MCh/ DNB (Diplomate of National Board).
• Self-Practice: At least 1–2 years of post-qualification practice.
• Employed Doctors: Minimum 1 year of experience in a recognized medical institution.
• Minimum monthly income: ₹25,000–₹50,000 (varies by lender).
• CIBIL score should be 700 or above.

Documents required :

If you are eligible for Doctor loan, check below the documents required:

• KYC documents (Aadhar card / Voter’s ID / Passport / PAN card).
• Income Proof for Salaried Doctors: Last 3 months’ salary slips, Latest Form 16 or 2 years’ ITRs, Employment Certificate or ID Card from Hospital/Clinic.
• Income Proof for Self-Employed Doctors: Last 2 years' ITRs with computation, Bank Statements (6–12 months), Balance Sheet & Profit & Loss Statement (CA-certified, if possible), Clinic registration proof / GST / Trade License (if applicable).
• Business Proof (for self-employed): Clinic/Hospital Registration Certificate, Business address proof, GST Registration (if any), Utility bill of clinic.