Capital First Doctor Loan Interest rates in Jammu
| Up To 30,00,000 | 30,00,000 Above | |
|---|---|---|
| Hospital | 13.00% | 12.50% |
| Salaried Doctor | 13.00% | 12.50% |
| Self Employed Professional Doctor | 13.00% | 12.50% |
Features of Capital First Doctor Loan Jammu
| Type | Features |
|---|---|
| Processing Fee | 1% |
| Pre Closure Charges | 3% |
| Part Payment Charges | Allowed |
| Min Tenure | 1 Years |
| Max Tenure | 4 Years |
| Min Age | 24 Years |
| Max Age | 55 Years |
| Min Loan Amount | Rs.5,00,000/- |
| Max Loan Amount | Rs.75,00,000/- |
Capital First Doctor Loan Jammu Charges
| Type | Charges |
|---|---|
| E M I Bounce Charges | Rs. 750 per Bounce |
| Penal Interest | @24% Per Annum |
| Duplicate Statement Charges | Nil |
| Insurance Cover | 0.8% on Loan amount |
| Cheque Swapping Charges | Rs. 500/- |
| N O C Issuance Charges | Nil |
| Duplicate N O C Issuance Charges | Nil |
| Loan Cancellation Charges | Nil |
Documentation For Doctor Loan
For Salaried Persons
- Filled Application form
- Identity Proof (PAN CARD)
- Qualification Proof
- Address Proof
- Own House Proof
- Latest 3 months Pay-slips
- 2 Passport Size color Photographs
- 6 months Bank Statements
- 3 Post Dated Cheques/ECS Mandate
For Self Employed/Professionals
- Filled Application form
- Identity Proof
- Address Proof
- Qualification Proof
- Last 2 years Income Tax Returns
- Professional/Self employed existence proof for more than 3 years
- 2 Passport Size color Photographs
- 6 months Bank Statements
- Filled Application form
- 3 Post Dated Cheques/ECS Mandate
Identity Proof For Doctor Loan
- Passport
- Driving License
- PAN card
- Photo credit card (with embossed Signature and last two months statement)
- Banker's sign verification
Age Proof For Doctor Loan
- PAN Card
- Passport
- License
- School leaving certificate
- Voter card
- Birth Certificate
- LIC policy (only for age Proof)
Address Proof For Doctor Loan
- Passport
- Telephone bill (BSNL/MTNL)
- Electricity bill
- Title deed of property
- Rental agreement
- Driving license
- Election ID card
- Photo-credit card (with last two month statements)
Job Continuity Proof For Doctor Loans
- Form 16 (For Individuals)
- Appointment Letter (for last two months)
- Last 6 months of VAT/Service Tax returns (For Self Employed Applicants)
Banking History For Doctor Loan
- Bank statements of latest 2 months
- 3 months bank passbook
Qualification Proof For Doctor Loan
- Graduate or Post Graduate qualification certificate
- IMA (Indian Medical Association) membership number
- Any other registrations allowed by Indian Government.
Own House Proof For Doctor Loan
- Sale deed of Property with own name
- Property Tax receipt with own name
- Electricity bill with own name
Capital First Doctor Loan FAQ's
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Who are Eligible For Doctor Loans?
Following are eligible for Doctor Loans:
MBBS, BDS Graduate Doctors - Minimum 5 years of experience (Post qualification)
MD, DM, MS, MCH, MDS Post Graduate Doctors having Minimum 4 years of Experience (Post qualification)
Individual doctors employed with reputed Government or Private Hospitals in India
Self employed doctors who own a hospital, a nursing home, a Clinic in India.
Consulting doctors with leading hospitals in metro cities in India.
Hospitals in form of Proprietorship/Partnership and Private Limited companies
Eligibility and Documentation For Doctor Loan
Rate of Interest will be based on bank/financial Institutions internal policies and terms. Generally Bank account conduct, reputation of the entity, repayment capability, credit history, Promoters Back ground and other credit related factors which can be evolved for Doctor Loans.
Limit: Doctor Loans can be availed from Rs. 5 Lakhs to Rs. 75.0 Lakhs
Age: Minimum of 26 years and Maximum of 60 year on maturity of the Loan amount.
Tenure: 12 - 48 months
Doctor Loan Pros
Doctor Loan Cons
Expert Advice
Best Practices for Doctor Loan
Things not to do for Doctor Loan
Important points to be remember for Doctor Loans
As a experienced individual doctor, you need to avail a doctor loan funds so as to open a clinic and begin practicing. There are certain eligibility situations that need to be noted while avail the Doctor Loans.
About Jammu
Jammu about this sound pronunciation is the largest city in the Jammu Division and the winter capital of state of Jammu and Kashmir in India. It is situated on the banks of the Tawi River. It is administered by a municipal corporation.Jammu city lies at uneven ridges of low heights at the Shivalik hills. It is surrounded by Shivalik range to the north, east and southeast while the Trikuta Range surrounds it in the north-west. The city spreads around the Tawi river with the old city overlooking it from the north (right bank) while the new neighbourhoods spread around the southern side (left bank) of river. There are five bridges on the river.
Jammu has historically been the capital of Jammu Province and the winter capital of the east, while Jammu and Kashmir princely state (1846–1952). Jambu Lochan was the brother of Raja Bahu Lochan who constructed a fort, Bahu Fort, on the bank of river Tawi. The city name figures in the ancient book Mahabharata. After 480 CE, the area was dominated by the Hephthalites and ruled from Kapisa and Kabul. They were succeeded by the Kushano-Hephthalite dynasty from 565 to 670 CE, then by the Shahi from 670 CE to the early 11th century, when the Shahi were destroyed by the Ghaznavids.
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Places To Be Visited In Jammu
Raghunath Mandir
Raghunath Mandir is a popular religious shrine located in the city of Jammu. The shrine, dedicated to Lord Rama, was commissioned by Maharaja Gulab Singh, founder of the Kingdom of Jammu and Kashmir in 1835. The construction of the temple was completed by his son Maharaja Ranbir Singh in 1860.
Amar Mahal Museum
The palace was built by King Raja Amar of the Dogra Dynasty during 1890 using red sand stone.Planned and designed by a French architect, the architectural marvel was converted into a museum exhibiting a rich collection of paintings, books, inscriptions and artefacts.
Bahu Temple
Bahu Temple is one of the ancient temples of Jammu, which is situated on a rock face on the left bank of River Tawi. The foundation stone of the temple within Bahu Fort complex is believed to have been laid over 3,000 years ago by Raja Bahulochan. The holy shrine dedicated to Goddess Kali is popularly known as Bawey Wali Mata.
Bahu Fort
Bahu Fort is among the popular sightseeing attractions of the city of Jammu, which was built by Raja Bahulochan over 3,000 years ago. The fort was later restored during the 19th century by the Dogra rulers. Other notable attractions of the fort include Bahu Temple, a shrine dedicated to Goddess Kali.
Shiv Khori
Shiv Khori is one of the important cave shrines of Jammu, which is famous for the natural formation of a shivalinga. The 150 metres long shrine is among the most respected cave shrines of Lord Shiva in Jammu.
Surinsar Lake
Surinsar Lake is located at a distance of 24 km from Jammu and is linked with Mansar. The beautiful lake is situated in the midst of thick forests with hilly terrains in the backdrop. The lotus flower blossoms are the major attractions of the water body.