ICICI Bank Personal Loan for Doctors

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Utsah Sharma

Utsah Sharma is a seasoned financial expert with a Master’s Degree in Commerce specialising in Financial Services, Investments, Loan Assessments, Mutual Funds, Banking & Loan products. Drawing on her experience, she has established herself as a trusted voice, providing invaluable insights and guidance to seasoned investors and beginners. She is committed to breaking down the complexities of everything finance.

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Amit Prakash Singh

Co-Founder, Square Yards & Chief Business Officer, Urban Money

Amit Prakash Singh is the Chief Business Officer at Urban Money. With over nine years of experience at Square Capital, he has played a crucial role in establishing it as one of India's premier loan advisory services. Amit's deep financial insights and extensive knowledge have driven significant business growth and strategic advancements. He has successfully built and managed large sales teams, optimised costs, and created leaders within the industry. Amit's financial expertise and strategic vision are key to the ongoing success and expansion of Square Yards and Urban Money.

Last Updated: 14 December 2025

The ICICI Bank Doctors Personal loan provides for a wide range of personal expenses of doctors, nursing staff and other medical professionals. Whether setting up your own clinic, pursuing higher education or making new purchases, the personal loan can be used for various purposes. With Urban Money’s fast services, avail up to 50 lakhs without any collateral submission.

The ICICI Bank Doctors Personal loan interest rate starts at 10.50% p.a. Read ahead as we discuss the complete details ranging from eligibility criteria and documentation process to much more.

ICICI Bank Personal Loan for Doctors – Highlights

Here is a quick overview of the ICICI Bank Doctors personal details.

Loan Amount	Up to 50 lakhs
Interest Rate (p.a.)	10.50%-16.00%
Type of Interest Rate	Fixed
Loan Tenure	Up to 7 years
Collateral Requirements	NIL
Digital Applications	Available
Pre-Apprved Loans	Available

Comparing ICICI Bank Personal Loan With Other Banks

Almost every major bank and NBFC in India offers personal loans for doctors. Find out how ICICI Bank Doctor’s instant loan compares with its competitors.

Lender	Interest Rate (p.a.)	Loan Tenure
Bank of India	10.25% onwards	7 years
Citibank	10.75% onwards	5 years
Kotak Mahindra Bank	10.99% onwards	6 years
L&T Finance	12% onwards	4 years
Kredit Bee	16% onwards	2 years

ICICI Bank Personal Loan for Doctors – Fees and Charges

Other than the ICICI Bank Doctors Personal loan interest rate, a borrower is required to pay the following charges:

Processing Fee: ICICI Bank charges up to 2.50% of processing fee plus GST.
Goods and Services Tax: An 18% GST applies to all loan-related banking services.
Additional Interest: A 24% additional annual interest is charged on late payments.
Other charges: Verification charges, stamp duty and other charges may also apply.

ICICI Bank Personal Loan for Doctors – Documents Required

The ICICI Bank Doctors Personal Loan Document requirements are as follows:

Duly filled loan application
KYC Documents, including ID proof (Aadhar card/ Driver’s License) and residence proof (Utility bills/ Aadhar Card)
Audited Income Proof for the last 2 years
6 months’ bank statements
Proof of business ownership
Address proof of business

ICICI Bank Personal Loan for Doctors – Eligibility Criteria

Find the complete list of ICICI Bank Doctors Personal loan eligibility criteria below:

Eligible Candidates: Doctors and other medical staff
Age Limit: 25-65 years
Minimum Monthly Income: 30,000 for salaried employees/ as specified by the bank for self-employed
Minimum Work Experience: 3 years

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