Healthcare Business Loan - Business
Healthcare Business Loan
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Purpose
- To finance qualified medical practitioners for setting up Clinics/ Nursing Homes/ Hospitals.
- For setting up Hospitals/ Nursing Homes, Diagnostic Centre, Pathology labs, drug store/ medical store, ambulance, computers, vehicles, physiotherapy centres, ayurvedic centres, acupressure centre, yoga centre, other therapy centres under tie-up with/ employed qualified doctors.
- For Expansion/renovation/ modernization of existing premises.
- To provide finance to manufacturers of healthcare products/ permitted drugs/ medical equipment’s.
Features
- Target Group :
- Hospitals/ Nursing Homes/ Clinics/ Medical Colleges
- Diagnostic Centres and Pathology Laboratories
- 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, Yoga Centres etc.
- Manufacturers of healthcare products/ permitted drugs/medical equipment’s.
- Facilities Available :
- Term Loan and/or Cash Credit
- Cash Credit facility is capped at Rs. 5 Cr only
- Capex LC may be provided in respect of domestic/ overseas suppliers within overall Term Loan exposure
- Quantum of loan :
- Minimum loan amount: > Rs 10 lacs
- Maximum loan amount: Rs.50 Cr[Loan amount above Rs.50 Cr may be permitted on a case-to-case basis]
- Pricing :
- Attractive Interest rates based on rating of the Borrower/ External Rating or as per Scheme Specific Rating (if applicable) or as per extant guidelines of the Bank. EBR (Linked to Repo Rate and Currently EBR is Repo Rate + 2.65%) linked (for MSMEs) & 6 months MCLR linked (for Non-MSMEs)
- Borrower’s Margin / Contribution:TL- 20%, CC- 25%
- Repayment Period :
- Cash Credit: Yearly Renewal. Repayable on demand.
- Term Loan: Maximum period of 10 years including moratorium period. Maximum moratorium 18 months. However, in case of Equipment finance maximum moratorium will be 6 months only.
- Processing Fee/ Upfront Fee : As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
- Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
- Special Feature:
- Individuals/ Proprietorship Firms/ Partnership Firms/ Corporates/ Trusts (with powers to borrow) are eligible under this product.
- Applicant should have minimum 2 years of operations of the diagnostic centre, pathological lab, hospital, nursing home, etc. irrespective of constitution. (Experience certificate/ Registration/ Licences need to be obtained and verified to establish the experience of operations of the proposed activity.)
- In case of financing to Hospitals/ Nursing Homes/ Clinics, the promoter should have required minimum qualification in the relevant discipline; like MBBS, BDS, BHMS, BAMS.
- Should have the required approvals/ registrations from the statutory/ regulatory authority.
Eligibility Criteria
- Individuals/ Proprietorship Firms/ Partnership Firms/ Corporates/ Trusts (with powers to borrow)
- Applicant should have minimum 2 years of operations of the diagnostic centre, pathological lab, hospital, nursing home, etc. irrespective of constitution.
- In case of financing to Hospitals/ Nursing Homes, the promoter should have required minimum qualification in the relevant discipline; like MBBS, BDS, BHMS etc.
- Should have the required approvals/ registrations from the statutory/ regulatory authority.
- ITR is mandatory in case of all existing units operating for more than one Financial Year.
Collateral Security
- Collateral Security : Loans up to Rs. 2 Cr:
Nil collateral, if covered under CGTMSE/CGSSI.
- Guarantee Fee to be borne by borrower.
- For coverage under CGTMSE, partial collateral security model is also applicable as per extant CGTMSE guidelines.
Minimum 25% SARFAESI enabled tangible collateral security.
Last Updated On : Thursday, 09-01-2025

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
6.50% p.a.
for loan amount up to Rs. 2 lacs
8.65% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs
SME Loans
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Criteria
- Features
- Eligibility
- Terms and Conditions

Interest Rates
2.70% p.a.
less than Rs.10 Cr. w.e.f 15.10.22
3.00% p.a.
Rs.10 Cr. and above w.e.f 15.10.22
2.70% p.a.
Balance below Rs. 10 crs
3.00% p.a.
Balance Rs. 10 crores and above
6.50% p.a.
for loan amount up to Rs. 2 lacs
8.65% p.a.
for loan amount > Rs. 2 lacs up to Rs. 6 lacs