FIRST Millennia
FIRST Classic
FIRST Select
FIRST Wealth


  • Happy Teachers' Day! Thank you for teaching us the value of Savings

  • Home Loans, now at 6.90% p.a.

    Unlimited benefits with a start-to-finish digital process with IDFC First Bank Home Loans

    Home Loan
  • Activate your Credit Card within minutes and enjoy unlimited benefits

  • One FASTag, three payments:Toll, fuel and parking

    The only FASTag with triple benefits

Professional Loans

Build, grow, and expand your practice without any worry with IDFC FIRST Bank professional loans. To fulfil your ambitions, we provide access to much-needed, collateral-free funds. Along with our industry-best interest rates, we offer many features such as funding up to ₹1 Cr, loan tenure up to 84 months, quick eligibility up to ₹30 lakhs, and many more.Read More

We also provide loans to salaried and non-individuals such as diagnostic centres and hospitals. Take the next big step for your practice with IDFC FIRST Bank professional loans.Read Less

Zero Balance Account

Fastrack balance transfer

Easy balance transfer where loan closure charges are borne by IDFC FIRST Bank

Key Features


Professional Loan EMI Calculator

Choose the amount

1L 50L

Choose the period

1 Year 30 Year

Choose the interest rate

8 % 15 %

You will pay an EMI of only monthly


Who can apply?

We have detailed our professional loan eligibility as below

Loan to doctors:

  • Can be availed by doctors (MD, MBBS, BAMS, BHMS, MDS, BDS and Veterinary, Physiotherapist)

Loan to other professionals:

  • Can be availed by Engineers, Chartered accountants, Company secretaries & Architects

Loan to non-individuals:

  • Can be availed by Diagnostic Centers, Clinics & Hospitals


Salaried Professionals

  • Photo identity proof, address proof: As per RBI defined KYC guidelines.
  • Education Proof- Degree certificate, Degree registration
  • 3 Months Bank Statement
  • Employee ID Card
  • Residence Ownership proof

Self Employed professionals and Entities such as Hospitals, Diagnostic centers

  • Photo identity and Address proof: As per RBI defined KYC guidelines
  • Education Proof- Degree certificate, Degree registration
  • Ownership proof of residence or office as applicable
  • Business Proof: Shop Act License/MOA & AOA/GST registration/ITR, Partnership Deed.

Any one of the additional documents as per program

  • Basis Banking - 1 year ITR & Computation, 12 months banking
  • Or Basis Degree - 3 months banking
  • Or Basis Income - 2 years ITR & financials, 12 months banking

Professional Loan Eligibility


Find out about our minimal and transparent fees & charges

View Fees & Charges

fees and charges


Who can apply for a Professional Loan?

We offer our loans for professionals, including loans for doctors, to many individuals and entities. Here’s a detailed list of who can apply:

·         Graduate Allopathic Doctors

·         Post Graduate Allopathic Doctors  

·         BDS/ MDS

·         Veterinary Doctor

·         Physiotherapists

·         BAMS, BHMS

·         Diagnostic Centres & Hospitals

·         CA, CS, Architects

·         Consulting Engineers

Is this Professional Loan an unsecured loan?

Yes, it is an unsecured loan

What is the minimum work experience required to apply for a Professional Loan?

You will need to have a minimum of 5 years of work experience to apply for a Professional Loan.

What are the features of this loan?

Below is a list of some of the many features you can access under this loan:

·         Collateral-free loan up to 1 crore

·         Instant loan up to 30 lakhs based on professional qualifications

·         Extended loans for professionals tenure up to 84 months

·         Competitive interest rates

·         Superior customer experience with easy documentation and processes

·         Funding for salaried professionals

·         Unique loan transfer and top-up facility

What are the age requirements to apply for a Professional Loan?

An applicant should be a minimum of 28 years old and a maximum of 68 years at the time of loan maturity.

(Although if your parents are in the same profession, the age norm has been relaxed to a minimum of 23 years) 

What is the loan amount for which a customer can apply for a professional loan?

Loan eligibility varies from customer to customer. These can be a professional loan for doctors, loans for architects, loan to chartered accountants, etc. We offer a minimum of Rs.5 lakhs up to a maximum of Rs.1 crore. 

What is the provision for any unforeseen event post availing professional loans from IDFC First Bank?

We cannot predict future and hence we try to protect it by providing you insurance cover as below-

·        Property insurance 

·        Group term insurance

·        Life Group Credit Protect

·        Health Protect plans

·        Accident protect plan

More FAQs

Discover Our Banking Products