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MSME Loans to Doctors are specialized loan products offered under the Micro, Small and Medium Enterprises (MSME) category to help doctors set up or expand their clinics, diagnostic centers, or hospitals, or purchase medical equipment. These loans are typically tailored for qualified medical professionals (MBBS, BDS, etc.) who run their own medical practices or healthcare-related businesses.
| Feature | Details |
|---|---|
| Loan Type | Term loan, working capital loan, overdraft, equipment financing |
| Loan Amount | ₹50,000 to ₹2 crore or more (depending on lender & business size) |
| Collateral | Often collateral-free under CGTMSE scheme for eligible cases |
| Interest Rate | 7% to 14% p.a. (varies by lender, borrower profile, and credit score) |
| Repayment Tenure | 1 to 7 years (may vary) |
| Processing Time | 3–15 working days |
| Schemes Available | Stand-Up India, PMEGP, CGTMSE, Mudra (for smaller clinics) |
| Bank/NBFC | Key Offering |
|---|---|
| SIDBI | Focused MSME loans, including medical professionals |
| HDFC Bank | Doctor Loan up to ₹75 lakh, collateral-free |
| ICICI Bank | Business loans for doctors, both secured and unsecured |
| Bajaj Finserv | Quick disbursal doctor loans, minimal documentation |
| Axis Bank | SME loans for doctors up to ₹50 lakh |
| IDFC First Bank | Business loans for medical professionals |
| SBI | Doctor Plus Scheme – for equipment, working capital |