Exclusive for Doctors, CAs & Architects
Professional Loan
Unsecured loans designed for professionals. Get high loan amounts up to ₹50 Lakhs with minimal documentation and zero collateral.
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Trusted by 10,000+ Professionals
Fast Disbursal • No Collateral
High Approval
Up to ₹50 Lakhs
Minimal Docs
Quick Verification
Why Do your Choose Us?
Flexible loans, instant credit score checks, and fast approvals. We make borrowing easy, transparent, and tailored to your needs
Flexible
Our loan options are designed to adapt to your financial situation. Choose flexible repayment terms and loan amounts that work for you.
Simple, Fast, and Secure
Get instant credit score updates and apply for loans with confidence. We ensure a smooth, secure, and reliable experience.
Personalized
Loans designed to match your unique financial needs. Enjoy flexible options, fast approvals, and a borrowing experience tailored just for you.
Loan Details
Professional Loan EMI Calculator
Calculate your EMI and total interest for a professional loan with flexible repayment options.
Instant Approval
No Hidden Charges
100% Digital Process
Representative Example:
Borrow ₹5,00,000 over 12 months at 25.8% APR. Total repayment: ₹5,72,597.07 with monthly EMIs of ₹47,716.42.
EMI Calculator
₹5,00,000
12
25.8%
Monthly EMI
₹47,716.42
Total Interest
₹72,597.07
What is a Professional Loan?
A professional loan is a customized credit facility designed for qualified professionals like Doctors, CAs, and Architects. It is typically used for practice expansion, office renovation, or working capital, often without the need for collateral.
These loans offer competitive interest rates with flexible repayment tenures, typically ranging from 1 to 5 years, tailored to the specific cash flow cycles of your profession.
Specific requirements include:
- Professional Degree (MBBS, CA, CS, etc.)
- Post-qualification vintage (2-3 years)
- Certificate of Practice (COP)
- Minimum annual receipts/ITR
Lenders often provide higher loan limits and faster processing solely based on your professional certification.
Financial Guide
Professional Loan Rates
Designed specifically for Doctors, CAs, and Engineers, these loans start from 10.50% p.a. and often feature higher loan amounts than standard personal loans.
Maximizing Professional Loan Benefits
Your degree is your collateral. Use your professional status to get premium terms:
1
Qualification Proof
Keep your degree certificates and practice registration (e.g., IMA for doctors, ICAI for CAs) ready for the 'Green Channel' approval.
2
Compare Specific Schemes
Banks have specific products like 'Doctor Plus' or 'CA Loans'. Don't apply for a generic personal loan; ask for the professional variant.
3
Part-Disbursement Option
Some professional loans allow you to withdraw funds in tranches and pay interest only on the used amount.
4
Check Gross Receipts
For self-employed professionals, loan eligibility is often calculated based on Gross Receipts rather than Net Profit.
5
Tenure Flexibility
Professional loans often offer longer tenures (up to 60-72 months) compared to standard unsecured loans.
Professional Loan Eligibility
Eligibility criteria Exclusive criteria for Doctors, CAs, and CS:
Qualification: MBBS/BDS/MD for Doctors; COP for CAs/CS.
Post-Qualification Exp: Minimum 2-3 years of practice or employment.
Age: 25–65 years.
Income/Receipts: Gross receipts showing consistent practice income.
Residence: Stability of residence/clinic address for at least 1-2 years.
Professional Loan Fees
Doctors and CAs often enjoy concessional charges:
| Particulars | Charges |
|---|---|
| Processing Fees | Flat fee (₹ 1,999 to ₹ 5,000) or 0.5% to 1% |
| Prepayment Penalty | Usually Nil after 6-12 months |
| Insurance Premium | Optional (Loan Shield Insurance) |
| Penal Charges | 24% p.a. on overdue amount |
Other fees and charges levied by the lenders include documentation charges, verification charges, duplicate statement charges and NOC certificate charges.
Professional Loan vs Business Loan
Why doctors and CAs should opt for specialized professional loans.
| Professional Loan | Normal Business Loan |
|---|---|
| Based on Degree/Qualification | Based on Business Turnover |
| Lower interest rates | Higher interest rates |
| Minimal documentation | Requires extensive financials/audits |
| No collateral (up to 50L) | Collateral needed for high amounts |
Exclusive Loans for Professionals
We value your qualification. Doctors, CAs, and Engineers get preferential treatment in the lending market. SIX Finance brings you exclusive schemes that offer higher loan amounts without the need for collateral or guarantors.
Privileges for Professionals
- Higher loan limits up to ₹50 Lakhs
- No collateral or security required
- Lower interest rates than standard personal loans
- Special 'Green Channel' processing priority
- Part-payment flexibility options
- Minimal documentation based on certification
Loans for Professionals
Tailor-made financial products that respect your degree and practice.
Documents for Professional Loans
Specific requirements for Doctors, CAs, and Engineers.
| Requirements | Doctors | CAs / CS / Architects |
|---|---|---|
| Qualification | MBBS/MD/MS Degree Certificate, IMA Registration | COP (Certificate of Practice), Degree Certificate |
| Income Proof | Salary Slips (if employed) / ITR (if practice) | ITR for last 2 years, Computation of Income |
| Bank Stmt | 6 months statement | 6 months statement |
For Doctors & CAs
Degree is Key
- Your highest qualification determines the loan limit.
- MD/MS doctors usually get higher limits than MBBS.
Practice Vintage
- Post-qualification experience is crucial.
- Minimum 2-3 years of practice is preferred by most banks.
End Use Flexibility
- Funds can be used for clinic expansion or personal needs.
- Some lenders may ask for quotations if buying medical equipment.
Processing Speed
- These are often processed under 'Green Channel' schemes.
- Expect approvals faster than standard business loans.
Exclusive Rates for Professionals
Doctors and CAs get preferential rates. Here are the top offers for professionals. Check your eligibility for a professional loan rates today.
| Lender | Special Rate (p.a.) |
|---|---|
| Poonawalla Fincorp | 9.99% onwards |
| Bajaj Finserv (Doctor Loan) | 11.00% onwards |
| HDFC Bank | 10.50% onwards |
| ICICI Bank | 10.75% onwards |
Loans for Doctors
Highest eligibility multiplier based on degree (MD/MS get higher limits).
Loans available for clinic setup, equipment purchase, or personal needs.
Minimal documentation—often approved without financials for smaller amounts.
Loans for CAs and CS
Loans based on Certificate of Practice (COP) vintage.
Repayment track record is given high weightage.
Flexible repayment options available.
Application Steps
Keep your professional degree and registration certificates ready.
Maintain a good banking balance in your primary account.
Check for specific 'Professional Loan' schemes rather than generic business loans.
How to Calculate Professional Loan EMI Online?
You can calculate your professional loan EMI using a free online professional loan EMI calculator. You just need to enter your interest rate, loan amount and tenure in the calculator to get instant and accurate results.
Professional Loan vs Normal Business Loan
Doctors and CAs have access to specialized credit. See why it's better than a standard business loan.
| Parameter | Professional Loan | Business Loan |
|---|---|---|
| Basis | Qualification (Degree/COP) | Business Turnover & Profit |
| Collateral | Unsecured up to ₹ 50L - ₹ 75L | Usually secured for high amounts |
| Rate of Interest | Starting 10.50% | Starting 13.00%+ |
| Processing | Green Channel (Fast) | Standard verification process |
Professionals We Assisted
Dr. A. K. Singh — Clinic Setup
"As a doctor, time is luxury. Six Finance's Green Channel process for professionals was impressive. I got Rs. 40 Lakhs for my new clinic equipment with just my KYC and Medical Registration certificate."
CA Riya Desai — Office Expansion
"I needed funds to renovate my office. Being a CA, I got a special rate of 10.50% without any collateral. The process was entirely digital."
Maximizing Professional Loans
Doctors and CAs get special privileges. Here is how to use them:
- Use your highest degree (MD/MS/FCA) to negotiate better rates.
- Keep your Certificate of Practice (COP) valid and updated.
- Apply through 'Green Channel' programs for faster processing.
- Separate your personal and clinic/office bank accounts.
- Ensure you have professional indemnity insurance if required.
Facts for Professionals
- Doctors can get up to Rs. 50 Lakhs without collateral.
- Interest rates are generally 1-2% lower than standard personal loans.
- Loan tenure can go up to 60 or 72 months.
- Gross Receipts are considered instead of Net Profit for eligibility.
- Part-disbursement options are available for clinic construction.
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