HDFC Bank Doctor Loan Interest rates in Ravatbhata
| 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 Ravatbhata
| 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 Ravatbhata 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.
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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 Ravatbhata
Rawatbhata is a town and a municipality in kota Chittorgarh district in the Indian state of Rajasthan. Rawatbhata has an average literacy rate of 85.82%, higher than the national average of 74.04% .The place is mainly dominated by gujjars. In 1960s, due to the location of this remote place on Chambal river and least resistance by local tribal communities, this place was chosen for building nuclear power plant with support from Canadian-based AECL.
The Rana pratap sagar dam or the RPS dam as it is called is one among the four consequent dams constructed on the chambal river which are namely Gandhi sagar dam, Rana pratap sagar dam(RPS), Jawahar sagar dam and the Kota barrage, former 3 have electricity generation capacity while Kota barrage is for irrigation purpose The Rana pratap sagar dam facilitates fishing activities in its nearby villages and is also responsible for giving water to the Rajasthan Atomic Power Plant for generation of electricity.
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Places To Be Visited In Ravatbhata
Baroli temples
The Baroli Temples at nearby Baroli village to the north are one of the oldest temple complexes (in Rajasthan). The chief architect of the Baroli temples was from Kakinada.
Bhainsrorgarh Fort
Another place of interest is The Bhainsrorgarh Fort overlooking the Chambal River. To its west is the Brahmani River joining the Chambal. The Fort Palace has been converted into a Heritage Hotel, which has been rated as one of the best Heritage Hotels in India. The property has 5 Suites and 4 Deluxe Rooms. The location of the fort is one of the best in India. It sits on the edge of a cliff 200 feet above the Chambal River.
Saddle Dam
Saddle dam which is the most common picnic spot for locals.It is a non gated, stone and mud dam to direct the water towards the main Rana pratap sagar dam and away from some villages, the catchment area of this dam fosters crocodiles and alligators and creates a picturesque scene during the monsoons.
Neem Khera Farms
A beautiful picnic spot on the banks of river Chambal and lush green valleys of Aravalli. Horse riding and Boating for people. This farm is situated 1 km from Famous Baroli Temples towards Chambal riverside. The farm also boasts of orange and guava plantations.
Geparnath falls and Temple
A beauty to watch and experience after the first showers of monsoon, Geparnath can be reached by road getting diverted from Rawatbhata-Kota road almost 20 km from Kota. One huge and a series of small falls welcome you in the arms of nature with picturesque topography and heart-melting greenery amidst the ear-soothing sound of the falls.
Rana Pratap Sagar Dam
Rana Pratap Sagar Dam on Chambal River is located near the town. The dam has power generation capability. It also supports a road connecting Rawatbhata to a nearby township,Vikram Nagar located on a picturesque small hill. On the top of the hill there is a large metal statue of Maharana Pratap,which is a perfect place to look at the city during the evening.