Professional Loans for Doctors

As a doctor, maintaining a successful practice is an important from a commercial perspective. Be it establishing a new medical venture or upgrading the existing one, the difficulties that come with these are akin to the challenges faced by a business enterprise. Setting up an independent practice or a medical institution involves plenty of activities to be initiated from scratch, while fostering the growth of current premises can range from enhancing your medical equipment to hiring more staff to handle increased footfalls. To nurture your ambitious projects and make them come alive, you need a steady source of finance. This is where Capital Float prescribes Doctor Loans.

Doctor Loans are collateral-free, professional loans for doctors to facilitate the above needs and much more. With the advantages of a speedy disbursal process, flexible repayment schedules and competitive interest rates starting from 14%, this exclusive doctor loan in India is designed for enterprising medical professionals who require instant access to finance.


Avail Credit up to ₹30 lakhs

Whether your business need is limited or extensive, we have got you covered. With Capital Float’s business loans for doctors, you are eligible for credit up to ₹30 lakhs.

Extended Loan Tenure Range of 1-4 years

You can choose a suitable repayment tenure varying from 12 to 48 months based on the finance you avail from us and the expected returns from your venture.

Quick, Hassle-free Loan Application

The Doctor Loan application process is very simple and completely online. Fill up a basic request form that takes under 10 minutes and submit the few documents requested digitally.

Customized Credit Criteria

Every business operates in different ways, and so does yours. We at Capital Float understand this well, and have tailored our credit underwriting to suit your needs.

Zero Pre-Closure Charges

Unlike traditional lending institutions, we do not levy any pre-closure charges should you decide to close your loan obligation ahead of the pre-decided date.

Eligibility Criteria

To avail of this business loan for Doctors, ensure that you satisfy these basic eligibility criteria, given below.

Only MBBS, MD and MDS qualified doctors are eligible for Capital Float’s Doctor Loans.

For Self-Employed doctors

  1. Minimum duration of practice: 5 years
  2. Minimum income: ₹15 l.p.a. or Profit after Tax (P.T.A.) of ₹3 l.p.a.
  3. Maximum loan amount sanctioned: ₹30 lakhs

For Consulting doctors

  1. Minimum duration of practice: 3 years
  2. Minimum income: ₹7 l.p.a. calculated in accordance with Form 16 A
  3. Maximum loan amount sanctioned: ₹15 lakhs

How to Apply

  • Click on ‘Apply Now’.
  • Fill in the Sign Up form. This takes less than 10 minutes.
  • Upload the requested documents.
  • Find the required loan amount in your account within 3 days!

Documents Required

No need to go document-hunting! Simply upload the digital versions of these documents at the time of application:

  1. KYC (Individual & Business)
  2. IMA registration certificate
  3. Bank account statements for the last 6 months where consulting and medical practice incomes are credited. All the active loan EMIs need to be reflected in the bank statements
  4. ITR and statement of computation of income for the last 2 years. It should be accompanied with latest tax audit report, if applicable
  5. Form 16A for the last 2 years (in case of consultant doctors)
  6. Sanction letters for active working capital loans/lines and repayment schedules for other active loans

Fees and Charges

At Capital Float, we pride ourselves on conducting business in the most transparent manner. For any loan you avail, we typically charge a processing fee of 2% of the availed amount. There are no hidden or pre-closure penalties during or after your application procedure.

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