Loan Product
Doctor Loan
Purpose-built finance for medical professionals — clinic setup, equipment purchase, and practice expansion at preferential terms.
Facilitator, not a lender · No fee from borrowers · Free consultation
- Clinic setup, equipment & expansion
- Preferential rates for doctors
Medical professionals have unique financing needs — from a first clinic to scaling a multi-speciality practice. 4S Finserv understands lenders’ professional loan programmes deeply and helps doctors access the best terms with minimal hassle, so you can focus on patients, not paperwork.
Loan Types We Arrange
- Clinic setup and interior loans
- Medical equipment finance
- Practice expansion and renovation loans
- Personal loans for registered doctors
Key Benefits
- Interest rates from 10.50%* p.a.
- Loan amounts up to ₹2 Cr and above
- Preferential terms for MBBS, MD, BDS, and specialist doctors
- Minimal collateral requirements for qualified professionals
- Flexible tenure to match practice revenue cycles
Eligibility
- Registered medical professional with a valid degree and MCI/NMC registration
- Minimum 1–2 years of practice or employment at a hospital (varies by lender)
- Indian resident, 25–65 years
Frequently Asked Questions
Can a fresher doctor (just completed residency) apply?
Some lenders offer loans to freshly qualified doctors planning to set up practice, though terms and limits may differ. We can identify the best-fit lender for your profile.
What counts as a valid purpose for a doctor loan?
Clinic rental deposits, interiors, diagnostic equipment, hospital grade furniture, IT systems, and general practice working capital are all eligible with most lenders.
Do you lend directly?
No. 4S Finserv connects you to partner banks and NBFCs; approval and terms are at the lender's discretion.
Ready to move forward with your doctor loan?
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