Institutional Credit Facility
Professional Loan
Pre-approved credit limits for Doctors, Chartered Accountants & Architects.
Exclusive high-ticket credit lines designed around the professional qualifications of medical practitioners, chartered accountants, company secretaries, and architects without audited balance sheets.
Check Eligibility4-hour callback · No CIBIL impact
Starting Rate
10.25%p.a.
Facility Ceiling
Up to ₹50 Lakh
Tenure Horizon
1–7 Years
Processing Fee
0.75% to 1.25%
Advisory Transparency
Facility Suitability at a Glance
We decline mandates where other credit structures serve the client better.
Recommended For
- •Doctors (MBBS, MD, MS, BDS, MDS) establishing or upgrading clinics & diagnostic centers
- •Practicing Chartered Accountants (FCA / ACA) expanding audit firms or software infrastructure
- •Registered Architects with Council of Architecture certification
- •Practitioners wanting rapid sanction purely on qualification certificates and professional vintage
Not Recommended For
- •Non-certified practitioners without official council registration
- •Professionals seeking consumer retail financing under ₹2 Lakhs
- •Firms without demonstrable bank credits over 12 months
Live Credit Desk Benchmarks
Updated September 2026 · Wholesale BandingInstitutional Partner Comparison
Underwriting Matrix
Institutional Eligibility Criteria
| Criterion | Salaried Individual | Self-Employed / MSME | Certified Professional |
|---|---|---|---|
| Qualification | MBBS/MD/BDS/CA/COA | MBBS/MD/BDS/CA/COA | MBBS/MD/BDS/CA/COA |
| Professional Vintage | 1+ year post-qualification | 2+ years active practice | 2+ years active practice |
| CIBIL Benchmark | CIBIL 700+ | CIBIL 700+ | CIBIL 700+ |
| Collateral Norm | Nil (100% Unsecured) | Nil (100% Unsecured) | Nil (100% Unsecured) |
Dossier Readiness
Required Documentation Checklist
Organized documentation accelerates credit approval to under 24 hours.
Degree Certificate & Council Registration Certificate (MCI/DCI/ICAI/COA)
Latest 3 months salary slips and 6 months bank statement
PAN Card and Aadhaar Card
Financial Modeling
Interactive Professional Loan EMI Calculator
Facility Amount₹15,00,000
Interest Rate (p.a.)10.50%
Tenure5 Years
Monthly Outflow (EMI)
₹32,241/ month
Total Interest₹4.34L
Total Repayment₹19.34L
Advisory Desk
Frequently Asked Questions
No. Most of our partner credit desks assess doctor loans based on degree qualification and 12-month bank statements without requiring audited balance sheets.
Ready to structure your Professional Loan?
One intake form. An advisor reviews your file across 25+ institutional desks within 4 working hours.