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Instant Personal LoanGet quick funds with Aditya Birla Capital Instant Personal Loan
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Personal Loan EligibilityCheck your Aditya Birla Capital Personal Loan eligibility
Personal Loan Interest RatesEnjoy low personal loan interest rates for affordable repayments
Loan for SalariedLoan for Salaried, you don’t have to. Get quick funds without collateral and a flexible repayment tenure.
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Are you eligible for a Personal Loan? Find out now!
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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
No. of Employees
68,400
Agents/Channel Partners
2,00,000+
Aggregate Assets
INR 5.91 Lakh Cr
Consolidated Lending Book
INR 2 Lakh CrCorporate Governance Policies
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Read About Personal FinanceKnow all about loans and their management
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Personal Loan EMI CalculatorEstimate your monthly loan repayments with Personal Loan EMI Calculator
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What is Personal Loan for Doctors
A Personal Loan for Doctors is a specialised loan designed to meet the financial needs of medical professionals. Whether you're setting up a private clinic, purchasing medical equipment, funding professional development, or managing personal expenses, this loan offers a hassle-free way to access funds.
With quick approvals, minimal documentation, and competitive interest rates, doctors can secure financial support without disrupting their busy schedules. Unlike traditional loans, these are tailored to the income structure of medical practitioners, offering flexible repayment options and higher loan amounts. Whether you are a salaried or self-employed doctor, you can avail of this loan to fulfil your financial goals with ease.
Calculate Your Personal Loan EMI Premium
Wondering how to calculate your personal loan emi premium? We have a handy tool for it.
Our Offerings
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get a flexible repayment solution with interest payable only on the amount that you utilise. Save on the interest outgo and get quick funds.
Features of Personal Loan for Doctors
Flexible Repayment Options
Choose a tenure that suits your financial planning, ranging from 12 to 60 months.
Higher Loan Amounts
Get a loan of up to ₹50 lakh based on your qualifications and income.
Quick Approvals
Fast-track loan processing with minimal documentation and swift disbursal.
Tailored for Medical Professionals
Get special loan terms designed to suit the income and financial needs of doctors.
No Collateral Required
Enjoy the benefits of an unsecured loan without pledging any assets.
Eligibility for Personal Loan for Doctors
Documents Required for Personal Loan for Doctors
- Identity Proof: Documents Required for Personal Loan for Doctors.
- Address Proof: Utility bill / Rent agreement / Passport / Aadhaar Card.
- Medical Degree Certificate: Proof of qualification from a recognized medical council
- Income Proo: Salary slips (for salaried doctors) / ITR & bank statements (for self-employed doctors)
- Professional Practice Proof: Clinic registration certificate or hospital employment letter.
- Loan Application Form: Duly filled and signed form, along with passport-sized photographs
Eligibility Criteria for Personal Loan
- Qualification: Applicants must hold a valid MBBS, BDS, BAMS, BHMS, or equivalent medical degree.
- Experience: Minimum one year of practice for salaried doctors and two years for self-employed practitioners.
- Age: Applicants must be between 21 to 65 years at the time of loan maturity.
- Income: Minimum monthly income of ₹30,000 (varies based on city and employment type).
- Credit Score: A CIBIL score of 700+ is preferred for easy approval.
How to Apply for Personal Loan for Doctor
Visit the ABCD Website/App
Log in to your Aditya Birla Capital Digital account.
Fill Out the Application
Enter your personal, professional, and financial details.
Upload Required Documents
Provide identity proof, income proof, and medical degree certificate.
Get Instant Approval
The system will evaluate your eligibility and provide instant approval.
Receive Disbursal
Once verified, the loan amount is credited directly to your bank account.
Fees and Charges for Loans for Doctors
| Charge Type | Amount |
|---|---|
| Cheque Return charges | ₹500 + GST per instance |
| Default Penal charges | 3% of the pending amount per month |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | ₹100 + GST per instance |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual, if applicable |
| Pre-closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual, if applicable |
| Part - Pre-Payment Charges | Charges:
A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure. |
| Foreclosure Charges |
4% of the Principal outstanding amount + GST
Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal. |
Customer Satisfaction Stories
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
Ashesh Shah
Aditya Birla Capital Limited
Mr. Baijnath Choudhary
Aditya Birla Capital
Mrs. Snehal Rajpure
Aditya Birla Finance Customer
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
Top-Up
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Comprehensive coverage
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Affordable with low premiums
ABC Of Personal Loans
Call 1800 270 7000 OR write to us at care.finance@adityabirlacapital.com.
For more details, to know your personal loan eligibility, access the product brochure or to set a meeting with our relationship manager.
The information presented on this page is intended solely for general informational purposes and does not constitute financial, investment, or professional advice. This content has not been authored by, nor does it represent an official communication from, Aditya Birla Capital Digital Limited. It is compiled from publicly available secondary sources, which may be subject to change without prior notice. Readers are strongly advised to conduct their own independent research and seek guidance from licensed financial advisors before making any investment decisions. All investments carry inherent risks, including the potential loss of principal. Past performance is not indicative of future results.