Reviewed by the CreditCares advisory desk · 13 years in business finance · Last updated 10 July 2026
Unsecured loans against your medical degree.
Professional loans for MBBS, MD, MS, BDS and specialist doctors — unsecured, fast, and priced on the strength of your qualification and practice.
Your registration certificate is the collateral
Lenders run dedicated doctor programmes with relaxed underwriting: the degree, registration and years of practice substitute for property security on loans up to about ₹1 Crore.
Use it for clinic setup, equipment, renovation or working capital. Larger needs — hospital construction, high-value equipment — route better through secured healthcare products we also run.
Who is eligible?
- Registered medical practitioner with recognised degree
- 3+ years post-qualification practice preferred
- Stable practice income shown in ITR / receipts
- CIBIL 700+ for best pricing
- Clinic ownership or rental agreement
Documents you'll need
- Medical degree & council registration
- KYC
- 2–3 years' ITR
- 6–12 months' bank statements
- Clinic proof (ownership / rent agreement)
Growing your practice? We map your profile to the right lenders, prepare a bank-ready file and coordinate until disbursal — at no upfront cost.
Check your eligibility