Loan calculator
What your practice could support
Doctor loan programmes assess qualification, years in practice and revenue rather than collateral. This gives you a rough range before you talk to anyone.
Gross collections, before expenses. If the practice is not open yet, use a realistic projection for month twelve.
After rent, staff, consumables and utilities.
Indicative range
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Check your eligibility properlyIndicative only, based on the assumptions below. Not an offer or a guarantee.
What this assumes
- THIS IS A ROUGH RANGE, NOT AN OFFER. It is not a sanction, a pre-approval, or a commitment to lend by anyone.
- Lenders differ enormously on doctor programmes — on qualification, specialisation, city and how much projected revenue they will count. Two lenders can differ by a factor of two on the same applicant.
- The share of surplus counted widens with years in practice, which is a simplification of what a real credit team assesses.
- Nothing here accounts for your credit score, existing obligations, or the documents a lender will actually want.
The boring bit
Why this is a range and not a number
A real doctor loan assessment looks at your qualification and specialisation, your registration, how long you have practised, the existing practice’s financials, what you are financing and where you are. Programmes vary so widely between lenders that a single precise-looking figure here would be misleading rather than helpful.
What the range is genuinely useful for is direction: whether the conversation you are about to have is about ₹30 lakh or ₹3 crore. The actual number comes from a lender, after a proper assessment.
Indicative principal = (monthly surplus × share counted) run back through the EMI formula, ±25%
FAQ
Questions about this calculator
Is this an approval?
No, and it is not close to one. It is arithmetic on numbers you typed. Only a lender can approve a loan, after assessing your documents, your credit history and your practice.
What if my practice is not open yet?
Use a realistic projection for around month twelve. Lenders with a doctor programme will consider projected revenue for a new setup, though they will discount it — which is roughly what the conservative factor here is doing.
Do I need collateral?
Frequently not for smaller amounts. Larger sanctions may want the equipment or the premises. The point of a doctor programme is that collateral is not the starting requirement it would be on a standard business loan.
Turn the number into a plan
A calculator gets you to a figure. Getting there needs a product, and that is the part we do.