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BAJAJ FINSERV DIRECT LIMITED

Doctor Loan ✓ Loan of up to ₹45 Lakhs ✓ Quick Disbursal ✓ Minimal Documentation

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Bajaj Finance Doctor Loan on Bajaj Markets – Compare Offers, Apply Online

Know more about the Bajaj Finance Doctor Loan available onBajaj Markets.

Starting Interest Rate 11% p.a.

Max. Loan Amount ₹80 Lakhs

Max. Loan Tenure 96 Months

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Professional Loan

Doctor Loan Interest Rates

Doctor Loan Eligibility Criteria

Chartered Accountant Loan

Personal Loan for Doctor

Business Loan for Doctor

Get a doctor loan from Bajaj Finance at affordable interest rates starting from just 11% p.a. on Bajaj Markets. You can secure amounts of up to ₹80 Lakhs and repay the loan comfortably over flexible repayment tenures ranging up to 96 months. Furthermore, you can utilise the amount borrowed through this professional loan for doctors to expand your clinic, purchase new equipment, hire more staff, and so on.

Bajaj Finance Doctor Loan at a Glance

You can use this quick overview to understand the key terms of a doctor loan available through Bajaj Finance. It helps you quickly assess suitability based on your requirements.

Parameter	Details
Loan Amount	Up to ₹80 Lakhs
Interest Rate (p.a.)	Starting from 11% p.a.
Tenure	Up to 96 months
Disbursal Time	Depends on approval and document verification

*Disclaimer: The aforementioned details are subject to change at the lender’s discretion

Compare Doctor Loans Available on Bajaj Markets From Different Lenders

You can compare key terms across lenders to choose an option that aligns with your funding needs and repayment capacity.

Here are the details:

Lender	Max. Loan Amount	Starting Rate (p.a.)	Tenure	Processing Fee
Bajaj Finance	₹80 Lakhs	11% p.a.	96 months	Up to 2.95% (inclusive of applicable taxes)
Fibe	₹5 Lakhs	16% p.a.	36 months	Up to 3% (inclusive of applicable taxes)

*Disclaimer: The details are subject to change at the lender’s discretion.

Features and Benefits

High Loan Amount

You can access funds up to ₹80 Lakhs, depending on your eligibility. This allows you to meet varied needs such as clinic setup, expansion, or equipment purchase.

Competitive Interest Rates

Interest rates start from 11% p.a., helping you manage your repayment more efficiently. Your final rate depends on your profile and credit assessment.

Quick Online Application

You can apply online with a streamlined process. Approval and verification are typically faster, helping you meet time-sensitive requirements.

No Collateral Requirement

You can get this loan without pledging assets. This reduces risk while allowing you to access funds based on your financial profile.

Bajaj Finance Doctor Loan Interest Rates

Here are the interest rates to help you understand how your loan cost may vary based on your profile:

Particulars	Details
Interest Rate	11% p.a. onwards
Processing Fee	Up to 2.95% of the loan amount (inclusive of applicable taxes)

*Disclaimer: The details are subject to change at the lender’s discretion.

Bajaj Finance Doctor Loan Fees and Charges

Apart from the interest rate, here are the other applicable fees and charges to help you understand the overall cost of taking the loan:

Fees and Charges	Details
Pre-payment charges	Full prepayment Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount. As on the date of full prepayment. Flexi Hybrid Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount. As on the date of full prepayment. Part Pre-payment Term Loan: Up to 4.72% (Inclusive of applicable taxes) of principal loan amount prepaid on the date of such part pre-payment Not Applicable for Flexi Term (Dropline) Loan and Flexi Hybrid Term Loan
Penal Charges	Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Stamp Duty	Payable as per state laws and deducted upfront from the loan amount
AMC (Annual Maintenance Charges)	Term Loan: Not Applicable Flexi Term (Dropline) Loan: Up to 0.472 % (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Term Loan: Up to 0.59 % (Inclusive of applicable taxes) of the Dropline limit during Initial loan tenure. Up to 0.472% (Inclusive of applicable taxes) of Dropline limit during subsequent loan tenure.
Flexi Facility Charge	Term Loan: Not applicable Flexi Loan - Up to ₹999/- to ₹16,999/- (Inclusive of applicable taxes) *Will be deducted upfront from the loan amount.
Bounce Charges	₹1500/- per bounce. “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.

*Disclaimer: The aforementioned charges are subject to change at the lender’s discretion

Bajaj Finance Doctor Loan Variants

You can choose from different loan variants offered by Bajaj Finance, depending on how you prefer to manage repayments and cash flow. Each option is designed to suit different income patterns and financial planning needs.

Term Loan

You repay the loan through fixed EMIs over the selected tenure. Both principal and interest are included in each instalment. This option works well when you have a stable monthly income and prefer predictable repayments without variation.

Flexi Term Loan

You get access to a pre-approved limit, which you can use as needed. Interest is charged only on the amount you utilise, not the entire sanctioned limit. This can be useful if your expenses arise in phases, such as clinic expansion or staggered equipment purchases.

Flexi Hybrid Loan

You pay only interest as EMIs during the initial period, followed by standard EMIs covering both principal and interest later. This structure can ease your financial burden in the early stage, especially when your practice is still stabilising or generating steady income.

Which Variant is Right for Your Practice’s Cash Flow

You can choose the right loan variant based on how your practice generates income and manages expenses. Here’s how:

Practice Situation	Suitable Variant	Why it Fits
Stable, predictable income (solo practice)	Term Loan	Fixed EMIs help you plan monthly expenses easily without fluctuations.
Variable income (multi-location or growing practice)	Flexi Term Loan	You can withdraw funds as needed and pay interest only on the amount used, which helps manage uneven cash flow.
Periodic lump-sum inflows (insurance claims, corporate tie-ups)	Flexi Hybrid Loan	The initial interest-only phase reduces early burden, and part-prepayment flexibility helps you utilise large inflows efficiently.

Eligibility Criteria and Documents Required

The Bajaj Finance Doctor Loan eligibility criteria are as follows:

You must be above 21 years
You must not be above 80 years at the time of loan maturity
You must be a certified medical practitioner with MBBS/ PG Diploma/ BHMS/ BDS/ MS/ BAMS/ MD/ MDS/ DM/ M.Ch/ DHMS/ DNB/ GAMS or other relevant degree/s
You should have 1 to 5 years of work experience based on the degree
You should be an Indian citizen

Documents Required for Bajaj Finance Doctor Loan

After meeting the required eligibility terms, you will be required to submit the relevant paperwork for verification.

Here are some documents you may be required to furnish when applying for this loan:

Document Type	Details
Identity Proof	Aadhaar card, Passport, Voter ID, Driving licence, or other valid government-issued ID
Address Proof	Electricity bill, Telephone bill, Rent agreement, or other valid address proof
Income Proof	Income Tax Returns (ITR) and recent bank statements
Educational Qualification Certificate	Degree certificate or relevant professional qualification proof
Photographs	Recent passport-size photographs

*Bajaj Markets takes no guarantee that your application will be approved, as loan approval is solely at the discretion of the lender.

Why Apply for Bajaj Finance Doctor Loan on Bajaj Markets?

You can apply for a doctor loan through Bajaj Markets to compare options and choose one that suits your financial needs.

Access to Multiple Lenders

You can review offers from different lenders in one place, making it easier to compare key terms such as loan amount, rates, and tenure.

Transparent Information

Loan details, including interest rates and charges, are clearly presented to help you make an informed decision.

Simple Application Process

You can complete the application online with a structured and user-friendly process, reducing the time required to get started.

Minimal Documentation

You may need to submit only basic documents, which helps simplify verification and reduces delays.

Secure Platform

Your data is handled through secure systems, ensuring confidentiality and reliability throughout the process.

Bajaj Finance Doctor Loan EMI Calculator

Managing your professional loan efficiently starts with understanding your monthly obligations.

Your Professional Loan EMI

₹ 3,910

Total Interest Amount

₹ 81,523

Principal Amount

₹ 2,00,000

Total Payable Amount

₹ 2,81,523

Loan Amount

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Interest Rate

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Tenure

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You can also make instant comparisons between loan offers from multiple Professional Loan providers on Bajaj Markets.

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Year	EMI	Principal	Interest	Balance

How to Apply for Bajaj Finance Doctor Loan on Bajaj Markets

You can easily apply for this doctor loan online by following these simple steps:

Click on the ‘Apply Now’ button on this page
Enter your basic personal details on the online application form
Choose ‘Bajaj Finance’ from the list of lenders
Enter the loan amount and preferred repayment tenure
Submit the form for verification
Post the review and verification of your loan application, a representative will reach out to you for further proceedings.