Capital First Doctor Loan Interest rates in Siliguri
| 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 Siliguri
| 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 Siliguri 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 Siliguri
The second largest city in West Bengal, Siliguri lies in the shadows of the mighty Himalayas, in a narrow strip of land just 40 km wide at its broadest section often referred to as the Chicken's Neck. Its strategic location makes it the main gateway to the north-eastern states, the city also boasts lush green environs, interspersed with tea plantations, rolling hills and meandering rivers, as well as a pleasant climate through most of the year.
Siliguri's modern history began in the 19th century when the British East India Company constructed a railway line linking the city with Kolkata, which was extended to Darjeeling in 1881. With the establishment of a rail link, the area's economy began to grow and Siliguri became known for the four ‘T's: tea, timber, tourism and transport.
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Places To Be Visited In Siliguri
Coronation Bridge
One of the most important bridges of all the others, Coronation bridge is a magnificent British architecture named after the coronation of King George V. The Coronation bridge is also known as Sevoke bridge. This bridge links Siliguri with rest of the north eastern territory. The lush forest and the Teesta river flowing below the bridge gives travelers a beautiful view of this bridge.
Kali Mandir
Located near the Sevoke bridge, the Kali mandir is a Hindu temple positioning the shrine of Goddess Kali. The temple is crowded with the devotees during the festivals of Durga puja and Navratri.
Jaldapara Wildlife Sanctuary
Situated at the foothills of the Eastern Himalayas, the Jaldapara Wildlife Sanctuary was established in 1941 to protect the Indian one-horned rhinoceros. It was declared a National park in May 2012. Apart from the one-horned rhinoceros, other attractions of the park include leopards, elephants, sambhars, barking deers and several birds like Bengal florican, crested eagle, Pallah’s fish eagle, Finn’s weaver and many others.
Salugara Monastery
Established by Tibetan Buddhist Monks and followers of Dalai Lama, the monastery is famous for the 100 feet stupa founded by the Tibetan Lama, Kalu Rinpoche.This monastery also known as The Great International Tashi Gomang Stupa and is situated just 6 km away from the main town. This monastery also contains five kinds of Buddhist relics.