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A doctor house loan is a distinctive credit scheme given by a select group of banks and financial institutions. This loan comes with multiple advantages and doctors can acquire it at a competitive interest rate. With the help of this credit, health professionals can fulfil their dream of owning a house. 

Home Loan for Doctors: Interest Rates

Several financial institutions offer this loan at different interest rates. Here’s a closer look at the interest rate of the Doctor Home Loan program. 

Financial Institution

Rate of Interest

SBI Privilege Home Loan

Starts at 6.95% per annum

PNB Pride Housing Loan 

Starts at 6.75% per annum

Union Bank Special Retail Loan

Starts at 7.30% per annum

IIFL Swaraj Home Loan

Starts at 11% per annum

Disclaimer: Interest rates are subject to change as per the financial institution’s policies

Features & Benefits of Home Loan for Doctors

Here are the multiple positive points of Home Loan for doctors. 

Competitive Interest Rate

This loan is offered by a number of financial institutions at a competitive interest rate, making it more attractive.

Quick Processing

Organisations like Bajaj Markets follow a quick processing policy. You may get the approval within minutes.

Flexible Repayment Tenure

Home Loan for doctors has a flexible payback duration which allows you to choose a repayment duration that suits you.

Balance Transfer Facility

You can transfer your current Home Loan to another account at a reasonable interest rate and a substantial top-up fund for any other financial requirements.

Pre-approved Offers

A few institutions give exclusive pre-approved Home Loan offers that you can obtain.

Digital Process

You can  apply for a Home Loan digitally by visiting the website of any financial institution which will save your time. 

Dedicated Customer Care

Dedicated customer service representatives will be available to support and guide you through the whole process, ensuring that you get the best offer possible.

Eligibility Criteria for Home Loan for Doctors

Below is the table displaying eligibility criteria. 


Work Experience

Super-specialist doctors (MD/MS/DM)

Minimum 3 years 

MBBS doctors

Minimum 3 years 

Dentists (BDS/MDS)

Minimum 5 years 

Ayurvedic and homoeopathic doctors

Minimum 5 years

Documents Required for Home Loan for Doctors

To avoid rejection of your loan application, you must submit the required documents listed below.

  • Application form

  • Identity proof (Aadhaar card, Voter Id card, Driving licence)

  • Resident proof (Aadhaar card, Passport, Utility bills, Voter Id card)

  • KYC documents

  • Qualification proof

  • ITR for last two years

  • Profit and loss statement for previous two years

  • Bank statement for last two years

  • Property documents

How to Apply for the Home Loan for Doctors?

You can avail this loan from any financial institution but getting the same at Bajaj Markets will give you additional benefits like quick disbursal, home loan balance transfer facility, and so on.  

Here are the steps to follow.

  • Step 1: Go to the financial institution's website or download the app.

  • Step 2: Log into the page/app with your credentials. 

  • Step 3: Navigate to the ‘Loans’ section. 

  • Step 4: Choose ‘Loans for Doctors’ from the menu.

  • Step 5: Fill in the application form with relevant details carefully and submit it.

  • Step 6: Next, you will receive a call from the customer officials.

  • Step 7: The executives will visit your home or office to collect the necessary documents.

  • Step 8: Once documents are submitted, your loan will be approved and disbursed post verification.


The information and suggestions provided by BFDL hereinabove is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort. 

The information including interest rates or fees, loan amount and other charges with regard to any product, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs for Home Loan for Doctors

Yes, several institutions offer Home Loan for doctors at a low-interest rate.

Your CIBIL score is one of the most critical aspects that a lender takes into consideration while approving or rejecting your loan application. It shows your creditworthiness and financial health. A score of 700 or above is deemed a good number.

A doctor Home Loan is a specific financing option offered by a limited number of banks and financial entities. This loan offers a number of benefits, and doctors can get it at a reasonable interest rate. On the other hand, a regular Home Loan is a form of credit that any salaried or self-employed person can acquire in order to buy or construct a home.

Each financial firm has its own set of products. You can evaluate them based on their interest rates, processing fees, and other charges to determine which is the best option.

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