Azadi ka Amrit Mahatsav

Mahabank Loan Scheme for Doctors



Eligible Group

Doctors: Qualified registered medical practitioners with minimum qualification   BAHMS/BAMS / BPT / MBBS / BDS.

  • Should have the required approvals / registrations from the statutory / regulatory authority with minimum 2 years of work experience post qualification.
  • Eligible to be classified as MSME under the MSMED Act 2006 and should possess Udyam Registration certificate.


  • For acquiring premises on ownership basis required for running Hospitals/Clinics/Nursing Homes/ Physiotherapy Centres, Polyclinics, pathological lab, Diagnostic Centre, Eye Centres, ENT Centres, Small and Medium size specialty clients like skin clinics, dental clinics, dialysis centres, endoscopy centres, IVF centres, poly clinics, X-ray labs etc. subject to compliance with license / registration requirements under laws of State / Central Govt. as the case may be, be ensured.
  • Purchase of medical equipment including ancillary equipment, furniture & fixture, furnishing, professional tools, computers, UPS, software etc.
  • Renovations, expansion and modernization of existing Centre.
  • Purchase of vehicles, ambulance etc. for medical practitioner.
  • To set up Oxygen plant along with power back up for medical use in Hospitals/clinics/Nursing Homes etc.
  • Working Capital requirement for stocking of Medicines

/vaccines / disposables etc.

Nature of Facility

  1. Term loan
  2. Cash Credit

Quantum of Finance

  • Minimum: Above Rs.10.00 lakh
  • Maximum: Up to Rs.25.00 crore 

Rate of Interest

7.30% p.a. onwards (RLLR linked)


  • Up to Rs.200.00 lakh: Term Loan- 20% of project cost, Vehicle- 15% on road cost and CC-25%
  • Above Rs.200.00 lakh: Term Loan- 25% and CC-25%


Maximum upto 12 years

Service Charges

A. Processing Fee

  1. Term Loan: New 1.00% + GST; Review 0.10% (Max. Rs.2 lakh)
  2. Working Capital: New 0.30% + GST   Review/ Enhancement: 0.30% + GST

B. Documentation Charges

  • 0.25% (Max. Rs.50000/-)

C. Supervision/ Inspection Charges

  • Up to Rs.1.00 crore: 0.25% p.a. (Max. Rs.15000/- p.a. + Cost of visit on Actual basis)
  • Above Rs.1.00 crore and up to Rs.25.00 crore: 0.15% P.A. (Max Rs.20000/- p.a. + Cost of visit on actual basis)

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