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Professional Loan Interest Rates

Are you a doctor, chartered accountant, architect, or someone from a similar field looking for a loan to scale your profession? You can opt for IDFC FIRST Bank professional loans and quickly meet your financial requirements. We offer affordable professional loan interest rates and a convenient application process to streamline your professional journey.

Using IDFC FIRST Bank loans for professionals, you can expand your business premises, purchase equipment, and fund your expenses. Make the most of our flexible eligibility criteria, quick application process, and attractive professional loan interest rates.Read More

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Factors that Affect Professional Loan Interest Rates

Credit Score

  • A high credit score indicates a strong credit history and makes you a more reliable borrower to lenders.
  • Factors that determine your credit score include your payment history, credit utilization, length of credit history, and types of credit.

Income

  • A higher income generally translates to a lower risk to the lender, which can lead to more favourable loan terms.
  • A stable income source demonstrates your ability to repay the loan.

Relationship with the Bank

  • Having a long-standing relationship with the bank can demonstrate your commitment and trustworthiness.
  • Holding multiple accounts with the bank (e.g., Checking, Savings, Investment) can strengthen your chances of securing favourable loan terms

Repayment History

  • A clean repayment history on previous loans shows lenders that you are a reliable borrower.
  • Consistent and timely payments can improve your credit score and make you more attractive to lenders.

Features and Benefits

Get high loan amounts of up to ₹1 crore without collateral

Get high loan amounts of up to ₹1 crore without collateral

Enjoy attractive professional loan interest rates

Enjoy attractive professional loan interest rates

Funding options are also available for hospitals and diagnostic centres

Funding options are also available for hospitals and diagnostic centres

Quick funding of up to ₹30 lacs basis your professional degree

Quick funding of up to ₹30 lacs basis your professional degree

Flexible repayment loan tenure of up to 84 months

Flexible repayment loan tenure of up to 84 months

Quick funding of up to ₹30 lakhs for doctors and CAs with minimal documents

Quick funding of up to ₹30 lakhs for doctors and CAs with minimal documents

Attractive financing options for salaried doctors and CAs

Attractive financing options for salaried doctors and CAs

FREQUENTLY ASKED QUESTIONS

How to apply for a professional loan?

There are various sources from which customers can apply for a professional loan. The major ones are:

  • Visit a nearest branch to apply
  • Apply on our website
  • Reach us using the toll-free number displayed on our website
  • Speak to our call centre executive and schedule an appointment with a relationship manager

What are the different types of professional loans?

Professional loans are available for both salaried as well as self-employed professionals. If you are a professional, such as a doctor, consultant, engineer, architect, or a Chartered Accountant, you can apply for a professional loan.

What is the maximum loan amount for a professional loan?

You can obtain a collateral-free loan of up to ₹1 crore. However, the final approved amount will depend on multiple factors, including your CIBIL score and repayment capabilities.

Is it an unsecured loan?

Yes, it is an unsecured loan. This means that no collateral is required from the customer to secure the loans.

More FAQs

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