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Specialized loans tailored for professionals like.

Designed specifically for doctors, CAs, CS, and architects, Professional Loans offer customized financing to support the growth of your practice. Whether you're setting up a clinic, constructing an office, or purchasing equipment, these loans are tailored to meet your professional needs. With competitive interest rates, flexible repayment terms, and quick approval processes, you can easily expand your practice and enhance your services without the financial burden. Get the financial support you need to grow your professional career with ease.

Professional Loan Features
No collateral

Most personal loans are unsecured, which means you don't need to put down collateral like a cash deposit. Loan amount is based on credit history (repayment of previous loans).

Flexible repayment

You can choose a EMI repayment period/options that suits your needs, usually between 12 and 60 months.

Competitive interest rates

You can get customized interest rates on your personal loan.

Quick disbursal

Enjoy minimal and simple documentation and quick disbursal.

Regular reminders

You can receive alerts on your registered mobile and email ID about your EMI payments.

Build credit score

Affordable personal loans can help you build your credit score, especially if you're new to credit or have a low credit score.

Debt consolidation

You can use a personal loan to combine multiple debts into one, which can help you manage your finances better.

Flexible Usage

You can use personal loan for virtually any purpose; be it a wedding, home renovation, medical emergency or travel. There are no restrictions on how you spend the funds.

Eligibility Criteria for Professional Loan
  • Nationality
    Applicants must be Indian citizens.
  • Age
    25 to 65 years.
  • Minimum annual income
    Minimum income of Rs 1,00,000 - Business must be profit-making for 2 previous years.
  • Loan Amount
    Based on income and repayment ability.
  • Debt-to-income ratio
    This ratio compares your monthly debt to your gross monthly income. Lenders prefer a ratio below 40%.
  • Minimum Work Experience
    Doctors and Chartered Accountants : 4 years post qualification
    Company Secretaries and Architects : 5 years post qualification
    Physiotherapist : Min 5 years post qualification

    Doctors, Chartered Accountants, Company Secretaries, Architects can apply for professional loan.
  • The eligibility criteria can vary between lenders, so it’s essential to confirm that you meet the requirements before applying for a professional loan from a bank.
Documentation for Professional Loans
  • KYC Documents / Identification / Address proof
  • Proprietor/Partner/Director
    Aadhar Card / PAN card / Electricity Bill / Passport / Voter’s Id / Electricity Bill
  • Firm/Company
    PAN Card, Address Proof, and Other Applicable Registrations
    Degree Certificate / Certificate of Practice
    Medical Council Registration Certificate (For Doctors)
    Bank Statement of last 12 months
    Address proof of Business – Telephone Bill / Electricity Bill / Rent Agreement
    2 Passport size photographs
  • Financial Statements
    Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited to verify income and tax payment history
  • Business Proof
    Certificate of Incorporation, MOA, AOA, List of Directors, and Shareholding pattern for Pvt Ltd companies
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Professional Loans