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How about checking some pre-approved offers you might be eligible for?

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How about checking some pre-approved offers you might be eligible for?

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All we need from you…

Eligibility criteria
  • You must be a citizen of India.
  • You must be a self-employed doctor.
  • Self-employed doctors between ages 25 - 65 are eligible and can apply for a Doctor Loan.
Documents Required
  • Aadhar Card/Passport/Driving License.
  • PAN Card.
  • Qualification Degree
*Don't worry if you are asked to upload additional documents, we are just creating the best Bajaj Finserv loan for you!

Manage all your queries here

  • Why should I avail of a Doctor Loan online?

    Taking a Doctor Loan online is faster, secure, hassle-free and transparent. It will save you a lot of time and effort.

  • Why should I choose you for my Doctor Loan?

    Through our online process, you can avail of a loan from the comfort of your home. No paperwork. No agents. And it's super secure. You can choose from a variety of exclusive loan products which suits your need.

  • Do I have to provide any security, collateral or guarantors when applying for a Bajaj Finserv pre-approved loan?

    No, we don't ask for any kind of security or guarantee.

  • Can I carry out the Bajaj Finserv lending application process in a conventional manner offline?

    Sorry, we only have an online presence and recommend online transactions for quick processing and convenience.

  • Do you offer balance transfer facility for Bajaj Finserv Loan?

    We don’t have the facility of balance transfer for Doctor Loan.

  • How secure is my information when I apply for a Bajaj Finserv pre-approved loan?

    All your sensitive information like personal/financial information is encrypted and safeguarded with our best in class security systems. We don't share your information with any marketing agencies or any 3rd party without your consent.

  • What are the basic personal loan eligibility criteria for Doctors applying for a Bajaj Finserv pre-approved loan?

    You can apply for a personal loan if: 1. You do a Private Practice or consult 2. You are between 25-65 years of age

  • Can I avail of a Doctor Loan if I am an NRI?

    We are sorry. We currently serve only Indian residents.

  • What is the minimum and maximum tenure that I can avail of?

    You can avail of a Doctor Loan for a tenure ranging from 1 year to 5 years (with annual renewal option for interest servicing loan).

  • Is there a minimum limit on part payment?

    There is no minimum limit on part payment in case of Hybrid Flexi loan but there is a minimum limit of one EMI for part payment in case of Term Loan.

  • When can I make the part-payment?

    You can make part-payments at any time after paying the first EMI of a Term Loan.

  • How many times can I make a part-payment?

    There is no limit to the number of part payments in Hybrid Flexi and in Term Loan. However, a maximum of 6 part payments can be made in a year.

  • When can I foreclose my loan?

    You can foreclose your loan after paying your first EMI.

  • How will a part-payment change your EMI and/or tenure?

    Part payment paid will be adjusted to the principal amount which results in a reduced monthly interest in case of Hybrid Flexi. For Term Loan, you can keep the EMI same and reduce the tenor or you can keep the tenor same and increase the EMI.

  • How much amount can I withdraw on my Term Loan?

    Sorry, the withdrawal facility is not available on a Term Loan.

  • Why do Flexi Hybrid Loans have a higher interest rate than Term Loans?

    You can actually save on interest payments even though the base rate is marginally higher than a Term Loan. The innovative customer friendly features that come with Hybrid Flexi allows you flexibility and control on your loan repayment which can help you minimize the interest you pay. In case of any fund requirements, you can always withdraw from the part payments with funds instantly credited to your bank account.

  • What documents do I need to submit to avail a Doctor Loan?

    You provide us with the digital copies of all your documents. Usually, for a personal loan/line you would need to provide proof of identity, proof of current address, proof of qualification, SPDC and a cancelled cheque.

  • How do I check my Doctor Loan eligibility?

    You can visit our Eligibility Calculator section for a quick check on your eligibility for a Doctor Loan.

  • Why do I need to provide my bank account credentials while applying?

    We fetch your last 1 month bank statement directly from your bank thus saving you the trouble of uploading the documents.

  • Can I get a loan anywhere in India? What is the maximum loan amount that I can get?

    We are present in 35 major cities in India. You can avail of a loan of up to Rs.25 lakhs subject to your eligibility.

  • What are my EMI dates? Can I change them?

    You can schedule your EMI payment date as the 2nd or 5th of every month. You may change your EMI dates after paying a nominal fee.

  • How can I change my tenure?

    You can change your tenure by making part payments.

  • What is the loan processing fee?

    2% of the loan amount is charged as Processing Fee. This fee is deducted from the loan amount.

  • What are the part-payment charges?

    There are no part-payment charges on Hybrid Flexi loans. Term Loans come with a 2% part-payment fee.

  • What are the foreclosure charges?

    We charge you 4% of the outstanding principal as foreclosure charges.

  • Are there any annual maintenance charges for Hybrid Flexi loan?

    0.25% on loan amount

  • Are there any other hidden charges

    No. We commit 100% transparency to you. There are no hidden charges at all.

  • What are the EMI bounce charges?

    We charge Rs. 1,000 per bounce for your Doctor Loan repayments.

  • What are the penal charges for my Doctor Loan?

    We charge 2% per month on overdue amount.

  • What happens if my EMI payment bounces?

    It is advised that you maintain sufficient funds in your account for clearing loan EMIs regularly. However, in case of an EMI bounce we would be charging bounce charges of Rs. 1,000 per bounce. You could also attract penal charges on further delay in paying the EMI which can impact your credit score.

  • How do I get my loan foreclosure letter?

    The foreclosure letter can be downloaded by logging in to our Customer Portal.

  • How do I make a loan part-payment?

    Login to our Customer Portal and go to make part-payment.

  • How can I foreclose my loan?

    Login to our Customer Portal and go to foreclose your loan.

  • How do I pay my EMIs?

    Your EMIs will be auto deducted from your bank account via automatic ECS instruction.

  • What is the procedure to withdraw out of part payments made?

    Log in to our Customer Portal and select the additional withdrawals tab.

  • Where will I get the disbursed loan amount?

    The loan amount will be credited directly to your bank account.

  • What is ECS-mandate?

    ECS is an electronic mode of funds transfer from one bank account to another. You need to inform your bank and provide a mandate that authorizes the institution, who can then debit or credit the payments through the bank. The mandate contains details of your bank branch and account particulars.

  • How do I track the status of my online application?

    Login to our Customer Portal to track the status of your application.

  • How can I make my overdue payments?

    You can pay your overdue EMIs online through the Customer Portal. This facility is offered to customers who have Net Banking activated for their Bank account.

  • How long does it take for the part-payment or withdrawal to reflect in the statement of account?

    The part-payment or withdrawal will reflect in your statement within 30 minutes.

  • Where can I view my EMI status?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal. Click here to login to the Customer Portal. Alternatively, your statement of account will be forwarded to your registered email ID every month.

  • How can I get my loan account statement?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal. Alternatively, your statement of account will be forwarded to your registered email ID every month.

  • Where can I view my outstanding loan amount?

    You can view and also download your Statement of Account or Repayment Schedule on Customer Portal.

  • Where can I access my loan documents?

    Scanned copies of your loan documents are available on the Customer Portal.

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