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Healthcare Professionals

Loans Designed for Doctors

We understand private practice income, MCI registration, and the unique financial needs of healthcare professionals. Get loans that work for you.

₹75 Lakhs
Max Amount
9.0% p.a.
Starting Rate
72 Hours
Approval
0%
Processing Fee
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WHY CHOOSE US

Built for Your Practice

Everything a doctor needs — from clinic setup to personal finance — covered under one roof.

🏥

Clinic & Hospital Setup

Finance your entire clinic setup, equipment, interiors, and infrastructure with a single loan.

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Medical Equipment Finance

High-value diagnostic machines, surgical equipment covered. Lease or own — we manage both.

📊

Higher Loan Eligibility

Income from private practice, salary, and consulting all counted together for max eligibility.

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72-Hour Fast Track

Dedicated relationship manager. Priority processing for medical professionals registered with MCI.

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Flexible Documentation

ITR, bank statements, registration certificate accepted. No rigid salaried-income requirements.

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0% Processing Fee

Professional loan for doctors comes with zero processing fee across all our lending partners.

ELIGIBILITY

Who Can Apply?

Qualification
MBBS, MD, MS, BDS, MDS, BAMS, BHMS or equivalent
Registration
Valid MCI / State Medical Council registration
Experience
Minimum 1 year post-qualification practice or employment
Age
22 to 65 years at loan maturity
CIBIL Score
700+ preferred (650+ considered case-by-case)
Income
Minimum ₹60,000/month (all sources combined)
DOCUMENTS

What You'll Need

🪪Aadhaar Card & PAN Card
🎓Degree & Registration Certificate (MCI)
🏦Last 6 months bank statements
📋Last 2 years ITR with acknowledgement
📍Clinic address proof / lease agreement
📸Passport-size photographs
HOW IT WORKS

Simple 5-Step Process

01
Apply Online
Fill the quick 3-minute form with basic details and profession.
02
Document Upload
Upload degree, registration & bank statements securely.
03
Credit Assessment
Our team evaluates your profile with 15+ banking partners.
04
Approval & Offer
Best-rate offer sent within 72 hours. Digital signing.
05
Disbursal
Funds credited directly to your account. No delays.
FAQ

Doctor Loan — FAQs

Common questions from medical professionals

Yes, doctors with at least 1 year of post-qualification experience (including residency) can apply. Fresh MBBS graduates may qualify with a co-applicant or strong credit history.

Doctors can get loans up to ₹75 Lakhs (unsecured) and up to ₹5 Crore (for clinic/hospital property purchase). Actual amount depends on income, CIBIL score, and specialization.

Absolutely. You can use the professional loan for any clinic-related expense — equipment, infrastructure, staff hiring, working capital, or personal needs.

No guarantor is required for most professional loans up to ₹75 Lakhs. For higher amounts, a co-applicant with income may be needed.

Yes. Doctors get preferential rates on home loans with flexible income assessment. Private practice income, salary, and consulting income all counted.

NRI doctors with valid Indian medical registration and income proof from abroad can apply for certain loan products through CapitalFlax.

Ready to Fund Your Medical Practice?

Join 3,000+ doctors who trust CapitalFlax for their financial needs.

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