HDFC Bank Doctor Loan Interest rates in Trivendrum Thiruvananthapuram
| 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 Trivendrum Thiruvananthapuram
| 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 Trivendrum Thiruvananthapuram 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 Trivendrum Thiruvananthapuram
Thiruvananthapuram or Trivandrum is the capital of Kerala and also the third largest city. Located in the south-western tip of peninsular India, Located on the banks of Karamana and Killi Rivers, it is categorised under Seismic Zone III by the Geological Survey of India.Thiruvananthapuram got its name from the deity Lord Anantha or Shesha of Sri Padmanabhaswamy Temple of 7th AD, on which Lord Padmanabhaswamy (Vishnu) is seen to be in a reclining pose.
Thiruvananthapuram was a famous port city during 1050 BC and it maintained trade relations with the Middle East and Mediterranean countries. The region prospered in 1745 under King Marthanda Varma, who formed the princely state of Travancore and made Thiruvananthapuram its capital. Thiruvananthapuram was submitted to Lord Padmanabhaswamy, the presiding deity of Sri Padmanabhaswamy Temple, and the Rajas of Travancore thence ruled the region on behalf of Lord Padmanabhaswamy as ‘Padmanabhadasas'.
Places To Be Visited In Trivendrum Thiruvananthapuram
Peppara Dam & Wildlife Sanctuary
It is accessible from Vithurai on Trivandrum - Ponmudi road. Peppara Wildlife Sanctuary is merged partially with the Palode reserve and the Kottoor reserve, all the three together forming the whole of the area covered by the Peppara Wildlife Sanctuary.
SHANGHUMUGHAM BEACH
At a distance of about 10 kms from Trivandrum Central Railway Station, Shanghumugham Beach is a famous beach around Trivandrum. The huge sculpture of a Nymph (Jalakanyaka) made by the famous sculptor Sri Kanai Kunjuraman and a restaurant shaped like a star fish are added attractions here.
Aruvikkara Dam
At a distance of about 15 kms from Trivandrum Central Railway Station, Aruvikkara Dam is a beautiful dam constructed over Karamana River. The dam is the main source of water to the city of Trivandrum. There is a small park laid out with an artificial waterfall. It is dangerous to take a bath in the dam because of the innumerable rocks that have huge curve-ins.
Kovalam
The beautiful Kovalam Beach resort is also known as the 'Paradise of the South'. Kovalam means 'A grove of coconut trees' and the whole area beyond the shores around Kovalam is literally filled with endless sight of coconut trees offering magnificent views while approaching the beach. Kovalam gained importance when Maharani Sethu Lakshmi Bai, the Queen of Travancore, built a palace.
Anjengo/Anchuthengu Fort
Anjengo Fort (also called as Anchuthengu Fort) is a 16th Century fort constructed by the English East India CompanyIt was the first settlement of East India Company in Kerala. Attingal Queen allowed the British to build a fort and trading settlements here. The remains of the old English Fort, which had withstood many a siege, can be seen here even today. Anchuthengu fort was one of the most important bastions of the British East India Company.
Ponmudi
Ponmudi, meaning Golden Crown, is part of the Western Ghats mountain range that runs parallel to the Arabian Sea. Ponmudi is surrounded by scenic hills, spice plantations, tea estates, natural springs and winding streams. Ponmudi was founded by Rishi Parshuram, a prominent Indian mythological figure.Ponmudi is blessed with scenic splendor and natural beauty. It has a carpet of thick tropical forest that rolls down to the foot of the hill range. A variety of wildlife inhabits the hills.