For Professionals
Funding for Professionals — Doctor, CA, Architect, Lawyer Practice Loans
Professionals have unique lending products: doctor loans, professional loans, practice ODs. We match you to the right scheme.
How we help professionals
Doctor loan structuring
HDFC, ICICI, Axis, Bajaj, Kotak all have doctor loan schemes. Up to ₹50 L (some ₹75 L) unsecured, 4–7 day TAT. We match your qualification + ITR to the best scheme.
CA / CS / ICWA professional loans
Similar schemes for chartered accountants and company secretaries. Slightly smaller tickets (₹25–50 L) but similar relaxed norms.
Architect / engineer practice loans
For architects, engineers, designers — combination of professional loan for working capital + equipment finance for tech/software/hardware.
Lawyer practice loans
Specialised schemes for advocates — usually smaller tickets, based on ITR and years of practice.
Clinic / office setup loan
For premises, interiors, equipment. Higher-ticket (₹25 L–₹2 Cr). Often secured (LAP) for larger tickets.
Equipment finance
For medical equipment (MRI, CT, dental chairs), computers, software, design workstations. Asset-backed, lower rate.
Typical professional engagement
- Free 30-minute discovery call — understand your practice, need, current file
- Review qualification, years of practice, ITR, banking, GST (if applicable)
- Shortlist 1–2 best-fit professional loan schemes based on your qualification
- Determine ticket size based on DSCR (1.5x+ preferred) and FOIR (<50–60%)
- Prepare documentation pack — qualification proof, ITR, banking, clinic/office tenure
- Submit to selected lender(s); negotiate rate, tenure, processing fee
- Disbursement coordination and post-disbursement support
Common professional scenarios
Professionals we've helped — and how
MD doctor setting up new clinic
₹75 L needed for premises + equipment. Structured: ₹35 L unsecured doctor loan at 13% + ₹20 L equipment finance at 12% (against the dental chair) + ₹20 L LAP against family property at 10.5%. Blended 11.8%.
CA firm expanding to second office
₹40 L needed for office setup + 2 new partners. HDFC professional loan at 12.5% for ₹30 L + ₹10 L term loan against office equipment. Total ₹40 L at blended 12.6%.
Architect buying high-end workstation + software
₹15 L for 4 workstations + Revit/AutoCAD licenses. Equipment finance at 11% — lien on the equipment, no other collateral needed.
Senior advocate with strong ITR, no property
₹25 L personal-cum-professional loan at 13% ( Axis Bank lawyer scheme). Unsecured, 5-year tenure, EMI ~₹57,000.
FAQ
Common questions
I'm a fresh MBBS / BDS — can I get a loan to set up my first clinic?+
It's harder for fresh graduates. Most professional loan schemes require 3+ years of practice. Options for fresh setup: (1) CGTMSE-backed MSME loan (clinic as a startup); (2) LAP against family property; (3) Equipment finance where the equipment itself is collateral; (4) Personal loan for smaller needs (₹5–15 L). Once you have 2–3 years of ITR, professional loan schemes open up with much better terms.
I'm a CA with ₹25 L ITR — how much can I borrow?+
Professional loans typically go up to 4–6x annual declared income (after add-backs). On ₹25 L ITR (with add-backs for depreciation/interest), you could qualify for ₹1–1.5 Cr unsecured at the high end. The exact ticket depends on FOIR (existing obligations), banking, and CIBIL. We'd compute your specific eligibility in the discovery call.
My practice income is mostly cash — does that disqualify me?+
Not disqualify, but weaken. Lenders want to see digital credits (UPI/RTGS/NEFT) in your bank statement that reconcile with ITR and GST. If 60%+ of your revenue is cash, the file looks weak even with strong ITR. Start routing collections through UPI/digital channels — most clients prefer this now anyway. Build 12 months of clean digital banking, then apply.
Next step
Get your file reviewed before you apply again.
Share basic details — a senior advisor will read your profile, diagnose what's blocking approval, and tell you exactly what to fix first.
- No CIBIL pull until strategy is agreed
- No blind portal submissions
- Review by a senior advisor — not a call-centre agent
Explore further
Continue your funding readiness journey
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Why Loan Applications Get Rejected
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Tax Planning for Loan Eligibility
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Business Loan vs LAP
Which structure actually fits your cash flow, risk and tenure.
Credit Profile Improvement
From low CIBIL or rejection to a fundable file — the structured way.