Doctors are among the most respected professionals in India, but setting up or expanding a medical practice often requires significant investment. From clinic infrastructure and diagnostic equipment to hiring staff and managing daily operations — finances can become a major hurdle. Thankfully, many banks and Non-Banking Financial Companies (NBFCs) in India offer low-interest loans for doctors, tailored specifically to meet their professional and personal financial needs.

In this blog, we’ll compare the best options for doctor loans in India, their interest rates, features, and eligibility criteria, helping you make an informed choice.

Why Choose a Doctor Loan?

Doctor loans are customized financial products designed exclusively for medical professionals — including general practitioners, specialists, dentists, surgeons, and pathologists. They offer flexible repayment options, higher loan amounts, and faster approvals compared to regular business or personal loans.

Whether you’re looking to set up a new clinic, buy medical equipment, or refinance existing debts, doctor loans can provide the right financial support at affordable interest rates.

Top Banks & NBFCs Offering Low-Interest Doctor Loans

1. HDFC Bank Doctor Loan

• Interest Rate: Starts from 10.25% p.a.
• Loan Amount: Up to ₹75 lakhs
• Tenure: Up to 12 years
• Features: No collateral required for smaller loans; quick approval process; flexible EMI options.

HDFC Bank offers tailor-made loans for doctors to expand clinics, purchase equipment, or even renovate practice spaces.

2. ICICI Bank Professional Loan for Doctors

• Interest Rate: From 10.75% p.a.
• Loan Amount: Up to ₹50 lakhs
• Tenure: 12 to 84 months
• Features: Minimal documentation, pre-approved offers for existing customers, and instant disbursement.

ICICI’s professional loan is ideal for doctors seeking quick access to funds with minimal hassle.

3. Bajaj Finserv Doctor Loan

• Interest Rate: Starts at 11% p.a.
• Loan Amount: Up to ₹80 lakhs
• Tenure: Up to 96 months
• Features: No collateral, part-prepayment facility, and a flexi loan option for recurring expenses.

Bajaj Finserv is one of the most popular NBFCs among medical professionals due to its fast processing and customized loan plans.

4. Tata Capital Doctor Loan

• Interest Rate: Starting from 10.99% p.a.
• Loan Amount: Up to ₹40 lakhs
• Tenure: 12 to 84 months
• Features: Flexible EMI structure, minimal paperwork, and dedicated support for medical professionals.

Tata Capital’s doctor loans are suitable for doctors planning to expand or upgrade their practice.

5. Axis Bank Doctor Loan

• Interest Rate: From 10.49% p.a.
• Loan Amount: Up to ₹50 lakhs
• Tenure: Up to 7 years
• Features: Quick approval, minimal documentation, and balance transfer facility.

Axis Bank offers competitive rates and is a reliable choice for doctors seeking affordable financing.

Final Thoughts

When choosing a low-interest loan for doctors, consider not just the interest rate but also the processing fees, repayment flexibility, and customer service quality. Each lender has its own set of eligibility criteria, so it’s best to compare multiple options before applying.