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As per amendment in the Income Tax Rules, PAN or Aadhaar are to be mandatorily quoted for cash deposit or withdrawal aggregating to Rupees twenty lakhs or more in a FY. Please update your PAN or Aadhaar. Kindly reach out to the Bank’s contact center on 1800 10 888 or visit the nearest IDFC FIRST Bank branch for further queries.
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Apply NowUnlock your business’ potential with professional loans up to ₹1 Cr
Flexible repayment tenures extending up to 84 months
Quick approvals up to ₹30 Lakhs for Doctors and CAs, with minimal documentation
Specialized financing for salaried CAs and Doctors
Tailored loans for Hospitals and Diagnostic Centers
A Professional Loan is your key to unlocking the next stage of your career. It is a specialized, unsecured loan available exclusively to driven professionals like you—whether you are a doctor, chartered accountant, architect, or consultant. This loan empowers you to finance your professional expansion, upgrade your practice, or manage your finances without pledging any assets. Read More
At IDFC FIRST Bank, we provide a financial solution that is as ambitious as you are. Whether you need to invest in new equipment, modernize your office, or simply consolidate debt, our Professional Loan offers flexible financing at competitive interest rates, all with a straightforward and efficient documentation process. Read Less
Loan Amount
Loan Tenure
Interest Rates
You can improve your services and reach a broader audience by investing in new equipment, hiring additional staff, or expanding your office space.
Meet unexpected expenses, manage seasonal fluctuations, or invest in marketing and promotion by bridging gaps in your cash flow.
Streamline debt repayment by consolidating high-interest debt into a single loan with a lower interest rate.
Take advantage of new business opportunities, such as acquiring a new client or launching a new service, by having the necessary funds readily available.
Doctors and chartered accountants can get up to ₹30 lakhs in an instant with minimal paperwork.
Salaried doctors and CAs can get loans on a bank statement or income basis.
Hospitals, diagnostic centres, and clinics can also get loans for working capital or expansion needs.
Completely digital experience with instant approvals and easy documentation.
Collateral free professional loans ranging from ₹5 lakhs to 1 crore
Flexible repayment terms ranging from 12 to 84 months
Quick funding for loans of up to ₹30 lakhs based on the professional degree
Competitive professional loan interest rates starting at just 11% per annum
Dropline overdraft facility to avail funds from a pre-approved limit
Loans available for both salaried and self-employed professionals
Following are the professional loan documents are required for loan application
*At IDFC FIRST Bank, we provide competitive professional loan interest rates based on the customer’s credit profile.
A Dropline Overdraft Loan is a versatile financial product that allows you to access a pre-approved line of credit whenever you need it. This facility allows you to utilize amount up to an agreed limit. The withdrawal limit reduces every month till the end of the loan tenure. The interest is levied only on the utilized amount and not on the total amount borrowed. The amount can be deposited to the account anytime to reduce the outstanding balance.
Avail your Business Loan as a Dropline Overdraft Facility and enjoy amazing benefits like interest only on the amount utilized, instant access to funds, collateral free funding up to 1 Crore, and much more.
Click on 'Apply Now'
Submit the required details
Our representative will contact you within 24 hours
Your application will be evaluated for eligibility
Once verified, get the loan amount in your bank account
A Professional loan is a collateral-free loan offered to self-employed professionals such as doctors, chartered accountants, architects, etc. for the purpose of upgrading their skills, expanding their practice, purchasing equipment, etc.
IDFC FIRST Bank Professional Loan is offered to a wide range of profiles, as below:
• Graduate Allopathic Doctors
• Post Graduate Allopathic Doctors
• BDS/ MDS
• Veterinary Doctor
• Physiotherapists
• BAMS, BHMS
• CA, CS, Architects
• Consulting Engineers
The minimum loan amount one can avail of is ₹5 Lakhs and up to a maximum of ₹1 Crore.
Being one of the leading banks in the Professional loan segment, we are currently offering our customers a loan tenure from a minimum of 12 months up to a maximum of 84 months.
We have one of the best Professional Loan solutions. Some of our major features are:
• Collateral-free loan up to ₹1 Crore with an extended tenure of 84 months
• Attractive interest rates
• Quick loan up to ₹30 Lakhs with minimum documentation based on your professional qualifications
• Loan based on bank statements or basis your ITR documents
• Funding also available for salaried professionals
• Superior customer experience with easy documentation and a hassle-free digitized process
Professional Loan can be availed in the form of a term loan or a dropline overdraft facility.
A term loan gives you a one-time amount of money that you repay over a pre-determined period in regular instalments. The interest rate stays the same throughout, making it easier to plan and budget your repayments.
Dropline Overdraft is another type of credit facility that allows you to withdraw funds from pre-approved credit limit as and when required.
With the dropline feature, the Overdraft limit gradually decreases over time until it reaches zero. You will be charged interest only on the overdraft amount utilized.
To apply for IDFC FIRST Bank Professional Loan, you need to have a minimum work experience 3-5 years based on your profile and you should be at least 23 years of age and a maximum of 68 years of age at the time of loan maturity.
If your parents are in the same profession, the age criterion has been relaxed to a minimum of 21 years.
You can apply for IDFC FIRST Bank Professional Loan via –
Our Website - https://www.idfcfirstbank.com/business-banking/loans/professional-loans
Our Mobile App - https://my.idfcfirstbank.com/digital-banking-app
Our Branches - https://nearme.idfcfirstbank.com/
Our Loan Centres - https://www.idfcfirstbank.com/support/asset-branch
Or you can call us on 1800 10 888 and speak to our representative
Here's a break-down of our Professional Loan application process:
• Submit the application form with the required documents
• Document verification (mandatory verifications instituted to ensure validation of the documents provided)
• Personal discussion (for assessment & to understand the customer profile from a risk perspective)
• Loan sanction
• Loan disbursement
At IDFC FIRST Bank, we aim to safeguard our customer's interest by offering the below insurance covers:
• Life Group Credit Protect - In event of death, disability or illness of the insured member, it will protect their families from the burden of repaying the outstanding loan to the financial institution.
• Health Protect Plans - Covers medical expenses that arise due to an illness.
• Accident Protect Plan - Covers medical expenses pertaining to injuries like a broken limb, loss of a limb, burns, lacerations, or paralysis.
• EMI Protect Plan - Protection plan that offers insurance coverage on EMI in case you are unable to pay an EMI
The principal amount and the interest rate applied to the principal make up your EMI. The amount you borrow, the rate of interest charged, and the loan tenure are the variables that affect the EMI. If the interest rate increases, EMIs may alter.
You can calculate your potential EMI here
Click on the link to know more about the charges.
Unlike a standard overdraft, a dropline overdraft is a revolving credit line, meaning you can borrow, repay, and borrow again up to your credit limit. The interest needs to be paid only on the amount utilized.
The interest is levied only on the utilized amount and not on the total amount borrowed. Interest is calculated daily and levied at the end of each month.
The withdrawal limit reduces every month till the end of the loan tenure. The limit can be renewed every year based on the repayment behaviour.
At IDFC FIRST Bank, we aim to safeguard our customers’ interest by offering the below insurance covers:
• Life Group Credit Protect - In the event of death, disability or illness of the insured member, it will protect the insurer’s family from the burden of repaying the outstanding loan.
• Health Protect Plans - Covers medical expenses that arise due to an illness.
• Accident Protect Plan - Covers medical expenses pertaining to injuries like a broken limb, loss of a limb, burns, lacerations, or paralysis.
• EMI Protect Plan - Protection plan that offers insurance coverage on EMI in case you are unable to pay an EMI