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Elite Finance

Loans for Professionals

Tailored financial solutions for Doctors, Chartered Accountants, and Architects. Scale your practice with high-value unsecured loans.

Check Limit Learn More

Up to ₹50 Lakhs No Collateral Doorstep Service

Funding Your Practice

Your degree is your biggest asset. Vardhman Finance recognizes the value of your qualification and experience. We offer specialized loans designed to meet the unique needs of professionals who are building their own legacy.

Whether you are a Doctor setting up a clinic, a CA expanding your office, or an Architect upgrading your studio software, our Professional Loans provide quick capital without the need to pledge your personal or business assets.

Who Can Apply?

Doctors: MBBS, BDS, MD, MS (Min. 3 years exp).
Chartered Accountants: Holding valid CoP (Min. 3 years).
Architects: Registered with Council (Min. 3 years).
Company Secretaries: Practicing CS (Min. 3 years).

Why This Loan Works

Premium features for premium profiles.

Based on Qualification

Higher loan eligibility based on your degree and vintage, not just your tax returns.

Collateral Free

100% unsecured loan. Keep your assets free for other investments.

Flexible Usage

Use funds for equipment purchase, office renovation, working capital, or debt consolidation.

Lower Rates

Enjoy preferential interest rates lower than standard personal or business loans.

Eligibility Criteria

Qualification

Must hold a valid degree/certificate from the respective statutory body.

Experience

Minimum 3 to 5 years of post-qualification experience.

Practice

Should be actively practicing or running a consultancy/clinic.

Age

Between 25 and 65 years.

Documents Required

KYC Proof PAN, Aadhaar, Address Proof of Clinic/Office.
Qualification Proof Degree Certificate, Registration Certificate (MCI/ICAI/COA).
Income Proof Last 2 years ITR with computation, 6 months bank statement.
Vintage Proof Establishment license or initial registration certificate.

Interest Rates & Charges

Best-in-class rates for industry experts.

Charge Type	Details
Interest Rate (p.a.)	10.25% - 14.50% (Reducing Balance)
Processing Fee	0.50% - 1.50% of Loan Amount
Loan Tenure	12 Months to 60 Months
Foreclosure	Nil charges after 6 months (from own funds).
Insurance	Optional Loan Shield Insurance available.

Fast-Track Process

Your time is valuable. We keep it brief.

Apply

Submit your professional details online.

Docs

Our executive collects documents from your office.

Verify

Quick verification of your practice and certificate.

Credit

Funds credited to your business account.

The Vardhman Advantage

We speak your language. Our credit officers are trained to understand the cash flows of professional practices, ensuring you get the credit limit you deserve.

Part-Prepayment

Option to make part payments to reduce your interest burden.

Relationship Manager

Dedicated RM to handle all your service requests.

Frequently Asked Questions

Do you fund home-based clinics?

Yes, as long as you have the valid registration and setup, we fund home-based clinics and offices.

Is gross receipts considered for eligibility?

Yes, for professionals, we often use the Gross Receipts multiplier method instead of just Net Profit to offer higher loan amounts.

Can I transfer my existing loan?

Yes, we offer Balance Transfer facilities with Top-up at attractive rates for existing loans running with other banks.