HDFC Bank Doctor Loan Interest rates in Kanpur
| Up To 10,00,000 | 10,00,000 To 30,00,000 | |
|---|---|---|
| Doctor Loan Balance Transfer from others | 12.99% | 12.99% |
| Salaried Doctor | 14.15% | 14.50% |
| Self Employed Professional Doctor | 14.15% | 14.50% |
Features of HDFC Bank Doctor Loan Kanpur
| Type | Features |
|---|---|
| Processing Fee | Upto 2.50% |
| Pre Closure Charges | 2.0% |
| Part Payment Charges | Allowed |
| Min Tenure | 1 Years |
| Max Tenure | 5 Years |
| Min Age | 25 Years |
| Max Age | 65 Years |
| Min Loan Amount | Rs.50,000/- |
| Max Loan Amount | Rs.50,00,000/- |
HDFC Bank Doctor Loan Kanpur Charges
| Type | Charges |
|---|---|
| E M I Bounce Charges | Rs.550/- per bounce |
| Penal Interest | @ 24 % p.a |
| Duplicate Statement Charges | Nil |
| Insurance Cover | Yes |
| Cheque Swapping Charges | Rs 500/- |
| Issue Amortization Schedule Duplicate | Nil |
| C I B I L Report Issuance Charges | Rs.50 Per Copy |
| N O C Issuance Charges | Nil |
| Duplicate N O C Issuance Charges | Nil |
| Loan Cancellation Charges | Nil |
| Non Standard Repayment Charges | Not Applicable |
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
HDFC Bank Doctor Loan FAQ's
What are the loan tenure options for Doctor Loan?
You can repay your loan over a period of 12 to 60 months
What security do I need to provide to obtain Doctor Loan?
To obtain the loan, there is absolutely no need to provide any security or collateral.
How do I repay my Doctor loan?
You pay the loan in equal monthly instalments (EMIs). The loan will be paid through post-dated cheques. You can also pay through Electronic Clearing System (ECS ) or a standing instruction to debit your HDFC Bank account with the EMI amount
How much loan can I avail of for Doctors?
You can avail of a loan from Rs 50,000/- to Rs 50,00,000/- depending on your income, repayment capacity and respective location product cap.
What are the benefits of having a Current/Saving Account for my Loan to Doctors?
You get preferred Processing Fee, priority processing and simpler documentation if you have a Current/Saving Account with HDFC Bank. This is taken into account at the time of disbursal of the loan. You can pay through Standing Instructions to debit your HDFC Bank account with the EMI amount.
About HDFC Bank
According to the Brand Trust Report 2014, HDFC was ranked 32nd among India's most trusted brands. HDFC was ranked 45th on the list of top 50 Banks in the world in terms of their market capitalization.
HDFC Bank Highlights
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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 Kanpur
Kanpur is the 12th most populous city in India. It is the second largest industrial town in north India,Kanpur city has a population of 2,701,324. Kanpur is the most important industrial centre in Uttar Pradesh. It lies on the banks of Ganga. It is famous for leather and textile goods of fine quality, and leather industries, cotton, flour and vegetable oil mills, sugar refineries and chemical works.
History of Kanpur Believed to be founded by king Hindu Singh of the erstwhile state of Sachendi, Kanpur was originally known as 'Kanhpur'. Upto the 1st half of the 18th century Kanpur continued to survive as an insignificant village.Kanpur came under the British Rule by the treaty of 1801 with Nawab Saadat Ali Khan of Awadh. This forms a turning point in the history of Kanpur.The three strategic events of the 1857 war at Kanpur were the fight at `wheeler’s entrenchment’, the `massacre at Sati Chaura Ghat’ and the `Bibighar massacre’. Nana Sahib had declared independence on the 7th of June 1857 at Kanpur.
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Places To Be Visited In Kanpur
Green Park
This is the best and most famous playground of Kanpur. International Cricket matches are held here and it has one of the best pitches in the world.
Allen Forest Zoo
The Kanpur Zoo was opened in 1971 and ranks among one of the best zoos in the country. It is an ideal place for picnics in picturesque surroundings.
The Kanpur Memorial Church
This church in Kanpur is popularly known as the All soul's cathedral. It was built in memory of the British who lost their lives in the 1857 revolt. The most attractive feature of this church is that it was built in the Lombardic Gothic style. The cathedral also houses a memorial garden towards its east.
Massacre Ghat
Massacre Ghat near the bank of river Ganga is situated in the Kanpur Cantonment Area.History has got a lot to talk about this place for this is the location of Revolt of 1857, which is also popularly referred to as the Sepoy Mutiny of 1857 or the first war of Indian Independence took place.
Phool Bagh
Phool Bagh houses the Ganesh Shanker Vidyarthi Memorial building occupied by the Orthopaedic Rehabilitation Hospital popularly referred as Ganesh Udyan.This bagh is situated on the Mall road which is in the prime heart of the city.
Jain Glass Temple
This temple is mainly dedicated to Lord Mahavira and the 23 Jain Tirthankaras.Jain Glass Temple is one of the holy places for the Jains in Kanpur.It is located in the in Maheswari Mahal.The temple is known for its glass and enamel works.
Jajmau
Jajmau known as Siddhapuri is a very ancient mound located towards the east end of the city.This was supposed to the kingdom of Yayati dynasty.Many antiques were got after the excavations of this place in 1957.Now this place is become one of the most important site to be visited by the tourists for Jajmau houses the Siddhnath and Siddha Devi temples and the mausoleum of Makhdum Shah ala-ul-Haq, the famous Sufi saint, built by Firoz Shah Tughlaq in 1358 and a mosque built by Kulich Khan in 1679.