Are there any special benefits available for doctors under the professional finance scheme?

At Tata Capital, we provide personal loans for professionals such as doctors, chartered accountants, engineers, architects, and consultants. Doctors, being in the noble profession of saving lives and serving others, qualify for some exclusive benefits when they apply for a professional credit with us. These benefits include: We charge lower interest rates on loan schemes for doctors. Our doctor loan interest rates start from 12% per annum Doctors can enjoy extended tenures on our corporate loans. They can choose a tenure of up to 60 months to repay their loan amount We process professional finances for doctors on high priority so that they don’t have to wait to provide the best treatment to their patients Doctors can avail a loan of up to Rs. 75 lakhs and buy costly healthcare equipment The eligibility criteria for doctor loans are relatively easier compared to other professionals

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Business Loan for Professionals

Loan for Professionals

Loan Up to ₹ 75 Lakh* | Tenure Up to 60 months | Interest Rates from 12%* onwards

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EMI Options

Business Loan for Professionals

Independent professionals such as doctors, chartered accountants, engineers, and architects often need dedicated funds to grow their practice. A business loan for self-employed professionals is meant to support such goals, whether it is setting up a new clinic, upgrading office infrastructure, or hiring specialised staff.

At Tata Capital, we provide business loans for professionals with easy eligibility, minimal documentation, and quick disbursals. Our business loan for self-employed professionals is designed to meet the financial needs of doctors, CAs, engineers, architects, and lawyers. We also offer exclusive business loans for doctors at special interest rates.

Loan Amount

₹ 5 Lakhs to ₹ 75 Lakhs

Loan Tenure

12 to 60 months

Interest rate starting @

12% p.a. View Rates & Charges

Professional Loan EMI Calculator

Loan amount

₹

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Rate of interest

10% p.a 19% p.a

Monthly EMI

Total Amount Payable

0*
Total Interest Payable

0*

Total Amount Payable

Total Interest Payable

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Professional Loan Fees and Charges

Fees and Charges	Details
Interest Rate	Tata Capital offers attractive interest rates on business loans for professionals
Processing Fees	This refers to the fee levied to process the loan application.
Prepayment Charges	This is charged in case the borrower wishes to repay the loan before the agreed upon maturity date.
Foreclosure Charges	This is charged in case the borrower wishes to repay the outstanding loan amount in its entirety before the scheduled tenure ends.
Stamp Duty	This charge depends on the state in which you’re applying for a loan.

Eligibility Criteria for Business Loan for Professionals

Here is Tata Capital’s easy eligibility criteria for financial solutions for professionals:

The applicant should be a self-employed professional with a professional degree

The age of the applicant should be between 21 years and 65 years (at the time of last EMI)

The applicant should have at least one year of professional experience

Documents Required for a Professional Loan

KYC Documents of the applicant
Degree Certificate
Medical Council Registration Certificate (For Doctors)
Certificate of Practice
Bank statements for the last six months
ITR and the Computation of Income for the last two years

Please note that you may be asked to submit additional documents at the time of loan processing.

Features of Loan for Professionals

Features	Details
Loan Amount	Get loans up to Rs 75 Lakhs with Tata Capital
Interest Rate	Enjoy attractive interest rates on your loan
EMIs	Get flexible EMI repayment schedules
Tenure	Repay your loan comfortably in tenures ranging from 12 to 60 months
Processing and Approval	Benefit from Tata Capital’s easy application process, minimal documentation and quick approvals.
Balance Transfer Facility	Transfer your existing business loan for professionals to Tata Capital to enjoy competitive interest rates, flexible loan tenure, Hybrid Term Loan and more.

How to Apply for a Tata Capital Business Loan for Professionals?

You can apply for a Tata Capital business loan for professionals online as well as offline. Here are the steps for offline application:

Step 1: Visit your nearest Tata Capital branch.

Step 2: Complete the application form and attach all documents as directed by our executive.

Step 3: The loan amount will be disbursed as soon as your business loan application is approved.

For an online application, follow the steps below:

Step 1: Navigate to our official website and click on ‘Apply Now’.

Step 2: You will be directed to a new window. Existing customers and click on the ‘Existing Customer’ tab to start the application process. If you’re a new customer, click on the ‘New Customer’ tab to proceed.

Step 3: Follow the directions on your screen and upload all necessary documents.

Step 4: The loan amount will be disbursed as soon as your business loan application is approved.

FAQs on Loan for Professionals

This is a type of loan offered exclusively to doctors, company secretaries, engineers, architects, CAs who may apply for a Loan for Chartered Accountants and other self-employed individuals. This is aimed at helping them establish and expand their branch, office or clinic.

Qualified doctors, CAs, CSs, CWAs, lawyers, architects, engineers or any other professional can apply for a business loan for professionals with Tata Capital. We offer loans to self-employed professionals as well as partnership firms, limited liability partnership firms, private limited companies, closely held public limited companies, HUFs, Trusts, and Societies.

Yes. With Tata Capital, you can avail of a loan for professionals of up to Rs. 75 lakhs and meet all your business-related financial requirements without any hassles. If you have already taken a business loan for professionals with a different lender, you can transfer your outstanding loan balance to us and enjoy a host of benefits, such as highly competitive interest rates, flexible loan tenure, an easy online application process, an Hybrid Term Loan, simple eligibility criteria, nominal foreclosure charges, top-up facility on business loans, convenient repayment options, and doorstep services.

To avail of our tailored credit balance transfer facility, you can get in touch with our customer care executive, and they will guide you through the entire process.

Yes. Tata Capital professional finances are multi-purpose loans that are given to professionals like doctors, CA, CS, engineers, architects, and lawyers so that they can meet their diverse business-related financial requirements. Below are a few ways to use our specialist loan:

Working Capital

A business loan for professionals can be used to bridge gaps in your working capital. You can use it to pay salaries to your employees, procure new equipment or machinery, and manage your day-to-day business operations. You can also use a corporate loan to start a new medical clinic, apply for a professional loan for CA to establish an accountancy firm, or develop marketing strategies for your business.

Hire New Staff

You can also use a professional credit to hire junior professionals or trainees under you. You can invest in their training and upskilling.

Acquire New Spaces

Should you need to acquire new spaces or premises to expand your existing office, you can take the help of a professional finance. You can also use to renovate or refurbish your existing office.

Invest in Technology

If you are an engineer or a doctor, you may need to invest in the latest technology and ensure state-of-the-art facilities for your clients or patients. You can use a corporate loan for this purpose as well.

At Tata Capital, we provide funding options for professional doctors, engineers, architects, lawyers, chartered accountants, and company secretaries with simple eligibility criteria and minimal documentation. Our eligibility criteria for professional finance depend on the applicant’s age, annual income, and professional experience, among others. Following are the requirements you need to fulfill to avail of our professional credit:

You must be a self-employed professional with a professional degree
Your age should be at least 21 years at the time of application and a maximum of 65 years at the time of the last EMI
You should have a professional experience of at least one year

At Tata Capital, we offer different types of professional credits at highly competitive interest rates. As a self-employed professional, you can avail of the best deal on career credit interest rates based on your age, professional qualifications, experience, and other factors. The interest rates for professional financing are lower compared to the interest rates for non-professional business loans.

The interest rates for Tata Capital’s credit options for professionals range between 13% and 17.50%. The interest can be fixed or floating, depending on the choice of the borrower. In the case of a fixed interest rate, the EMIs will remain the same for the entire loan tenure. In the case of a floating interest rate, the interest rate keeps changing during the loan tenure, and so does the EMI amount.

At Tata Capital, you can apply for a business loan for professional in any of the following ways:

Offline by visiting your nearest Tata Capital branch
Online by filling out an application form on our website
Taking the help of our 24x7 virtual assistant TIA
Calling our customer care helpline at 1860 267 6060

There are several advantages to applying for a professional credit online. They include:

Quick and Seamless Process

The online process of loan application is quick and seamless. All you have to do is fill out a simple online application form on our website, and you can get an instant approval for a professional loan based on how you fulfill our eligibility requirements.

Convenient

You can apply for an online professional finance from the convenience of your home or office. You won’t have to make multiple visits to our office in the scorching heat or rainy season.

Minimum Documentation

For approving online specialist loan applications, we usually ask for minimal documentation. All you have to do is upload some basic documents on our website, including your PAN card, Aadhaar card, professional qualification certificate, and bank statements for the last six months.

Lower Interest Rates

You can get lower interest rates on your corporate loan when you apply for it online. It’s because we save on administration charges on online loan applications, and hence, we pass on the benefits to our customers in the form of lower interest rates.

At Tata Capital, we provide personal loans for professionals such as doctors, chartered accountants, engineers, architects, and consultants. Doctors, being in the noble profession of saving lives and serving others, qualify for some exclusive benefits when they apply for a professional credit with us. These benefits include:

We charge lower interest rates on loan schemes for doctors. Our doctor loan interest rates start from 12% per annum
Doctors can enjoy extended tenures on our corporate loans. They can choose a tenure of up to 60 months to repay their loan amount
We process professional finances for doctors on high priority so that they don’t have to wait to provide the best treatment to their patients
Doctors can avail a loan of up to Rs. 75 lakhs and buy costly healthcare equipment
The eligibility criteria for doctor loans are relatively easier compared to other professionals

No. With Tata Capital, you get a collateral-free professional credit of up to Rs. 75 lakhs to expand your business. It means that you won’t have to put your personal or professional assets on the line to qualify for financing.

However, if you want to pledge collateral or security to avail of a specialist loan from us, you are most welcome. Pledging collateral enables you to get a loan at the lowest interest rate. To know the details of the assets we accept as collateral, you can get in touch with our customer support team.

Yes. A professional finance is a multi-purpose loan that can be used to meet all your business-related financial requirements, such as expanding your office or practice. With Tata Capital, you can get a loan of up to Rs. 75 lakhs and use it to acquire new spaces or premises for the expansion of your practice, procure the latest equipment or gadgets, upgrade your office infrastructure, invest in technology, and much more.

Tata Capital’s business loan for professionals helps you meet all your professional financial requirements with ease, from expanding your clinic to starting your own law firm.

Expansion of a Medical Clinic

Expansion of a Medical Clinic business loan for doctors and physicians. If you’re a qualified medical practitioner, you can avail of our medical practice financing at the best interest rates and meet all financial requirements for the expansion of your clinic or practice. We also provide loan for doctors to open clinics or start new medical practices.

Starting an Accountancy Firm

We also provide specialized business loans for Chartered Accountants, Company Secretaries, and Cost of Work Accountants.

Grow an Architect or Engineering or Law Firm

Apart from doctors, CAs, and CS, our business loan for self employed professionals can help architects, lawyers, and engineers to establish a new firm or expand their existing firm. They can apply for a professional finance and use the loan amount to procure a new office space, buy costly software, or hire junior professionals to represent them on larger platforms.

You can visit our branch or contact us at 1860 267 6060 to learn the professional finance repayment charges.

To get the best rate on a professional credit, compare lenders, improve your credit score, and negotiate terms.

No, you don’t need to pledge assets to get a work credit. Tata Capital offers unsecured business loans to professionals.

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What our customers say about us

The Tata Capital team guided me very well. All my questions were answered promptly and politely. I am very satisfied with their response and quick action.

SURAJ SANJAY MANE

Business Loan | 12 Sep, 2025

Thank you from the bottom of my heart for the help from Tata Capital. Thank you for your very good service.

SHIV KUMAR .

Business Loan | 26 Aug, 2025

Tata Capital has given me good service for my urgency and helped me. Thank you.

J M NARASIMHAMURTHY

Business Loan | 20 Aug, 2025

Thank you so much for your awesome support. I was in an emergency situation, so I couldn’t attend the calls, but you addressed my problem via mail.

BABEETHA T

Business Loan | 08 Aug, 2025

Nice communication, no delay. Happy to apply for the loan.

ARIVANNAL S

Business Loan | 24 Jul, 2025

Overall satisfied with Tata Capital services. Quick resolution and courteous customer support.

ANWARULLAH NOORULLAH KHAN

Business Loan | 16 Jul, 2025

I am happy to refer Tata always. People will be satisfied and benefit. Always GREAT in all ways, helping poor people.

D KARUNANITHI

Business Loan | 03 Jul, 2025

Good service. We received solutions against our query. No suggestions.

AADISH IMPEX PRIVATE LIMITED .

Business Loan | 18 Jun, 2025

All services is good. Please continue with such dedication.

KABYASHRI SONOWAL

Business Loan | 17 Jun, 2025

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