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Practice & Equipment Credit

Dedicated practice and equipment credit for credentialed professionals.

Specialized loans up to ₹75 Lakh for doctors, chartered accountants, company secretaries, architects and engineers — to establish a clinic, acquire equipment or expand your practice.

Interest Rate From 11.5% p.a.
Sanction Limit Up to ₹75 Lakh
Repayment Tenure Up to 7 Years
Confident doctor standing in her modern clinic
Credential-Based Underwriting Preferential rate tiers for registered Doctors, CAs, CSs, Architects & Engineers
Up to ₹75 Lakh
Practitioner Privileges

Credit terms calibrated to your professional qualification

Higher sanction multipliers, extended 84-month tenures, and streamlined degree-based appraisal for certified practitioners.

Preferential pricing

Rates that reflect the stability of your profession.

Up to ₹75 Lakh

Higher limits based on your qualification and practice.

Tenure up to 7 years

Longer tenures keep your EMIs comfortable.

Minimal paperwork

Degree certificate and basic financials are usually enough.

Practice Expansion

Approved professional uses

Finance diagnostic equipment, consulting chambers, clinic interiors, or working capital with tailored repayment schedules.

Clinic / office setup
Medical equipment
Software & IT
Interiors & renovation
Working capital
Practice expansion
Credentialed Lending Programs

Dedicated facilities for Doctors, CAs, CSs, Architects & Medical Equipment

We evaluate your statutory registration, clinical or consulting vintage, and gross receipts to sanction high-limit facilities without property collateral.

Healthcare Practitioners From 10.75% p.a.

Professional Loan for Doctors

Tailored for MBBS, MD, MS, DM, MCh, BDS, MDS, BAMS, and BHMS doctors to acquire clinic premises, build Polyclinics/ICUs, or consolidate high-cost debt.

Unsecured LimitUp to ₹75 Lakh
Tenure12 to 84 Months
Diagnostic & Surgical From 10.75% p.a.

Medical Equipment Loan

Up to 90% invoice funding for MRI, CT scanners, Ultrasound, Digital X-Ray, Cath Labs, Ophthalmic lasers, Dental chairs, and Pathology analyzers.

Equipment Limit₹5 Lakh – ₹2 Crore
TenureUp to 7 Years
ICAI & ICSI Members From 11.25% p.a.

Loan for CAs & Company Secretaries

Designed for practicing and salaried Chartered Accountants (CA), Company Secretaries (CS), and Cost Accountants (CMA) for office acquisition, ERP digitization, and working capital.

Unsecured LimitUp to ₹50 Lakh
AppraisalCOP & Gross Receipts
COA & Consulting From 11.50% p.a.

Loan for Architects & Engineers

Studio expansion, BIM/CAD workstation upgrades, and project mobilization capital for registered Architects, Structural Engineers, and Management Consultants.

Unsecured LimitUp to ₹40 Lakh
Turnaround24–48 Hours
Credential Underwriting

Eligibility criteria & required documentation

Designed exclusively for degree-holding professionals registered with their respective statutory councils.

Practitioner Norms

Eligibility Criteria

Applicable to both independent private practitioners and salaried consultants.

  • Doctors (MBBS, BDS, BAMS, BHMS, MD, MS), CAs, CSs, architects or engineers
  • Aged 24 to 65 years
  • At least 1 year of post-qualification experience
  • Minimum monthly income of ₹35,000
  • Valid registration with the respective professional council
Simplified Appraisal

Required Documents

Minimal documentation recognizing your professional registration and banking track record.

  • Highest degree certificate
  • Professional registration certificate
  • PAN and Aadhaar card
  • Last 2 years’ ITR and 6 months’ bank statement
  • Practice address proof (for self-employed)
Medical and diagnostic equipment purchases can also be structured against proforma supplier invoices.
Practice Financial Planning

Calculate your professional loan EMI

Plan monthly installments across tenures up to 7 years (84 months) and inspect your annual principal and interest split.

View professional fee schedule
Select Loan Facility
₹
₹50K₹25 Lakh
%
5% p.a.30% p.a.
Yr
1 Yr5 Yr
Estimated Monthly Installment (EMI)
₹43,985/ month
Principal Amount₹20,00,000
Total Interest Payable₹0
Total Repayment (Principal + Interest)₹0
Proceed with this structure

Calculated on a monthly reducing-balance basis. Processing fees and statutory taxes are separate as per the Schedule of Charges.

Repayment Amortisation Schedule

Periodic breakdown of principal recovery, interest expense, and declining balance.

YearPrincipal (₹)Interest (₹)Total EMI Paid (₹)Closing Balance (₹)Principal Repaid
Professional Loan FAQs

Practitioner queries answered

Key details on eligible qualifications, clinic setup financing, and unsecured sanction limits.

Setting up a new clinic or chamber?

Speak directly with our healthcare and professional credit specialist for customized tenure structures.

Contact professional credit desk
Who qualifies for a professional loan?
Qualified doctors, dentists, chartered accountants, company secretaries, architects and engineers — salaried or self-employed — can apply.
Can I use the loan for buying medical equipment?
Absolutely. Equipment purchase, clinic setup, interiors and working capital are all common uses.
Is collateral required?
Most professional loans are unsecured. Secured options at lower rates are available for higher amounts.
I just qualified. Can I apply?
We require a minimum of 1 year of post-qualification experience, which helps us offer you better terms.

Expand your practice with dedicated professional credit

Speak with our healthcare and professional lending desk for preferential rates and rapid sanction.