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Business, & agriculture finance

Healthcare Business Loan

healthcare finance for medical practitioners and healthcare businesses, above ₹10 lakh to ₹50 crore (higher case-by-case), with term-loan/cash-credit options, 20%–25% margin and up to 10-year repayment.

Loan amountAbove ₹10 lakh minimum to ₹50 crore maximum; amounts above ₹50 crore may be permitted case-by-casePricingRating/external or scheme-specific rating and SBI guidelines; EBR-linked for MSMEs (page states repo rate + 2.65%) and 6-month MCLR-linked for non-MSMEsTarget customersHospitals, nursing homes, clinics, medical colleges, diagnostic centres, pathology laboratories, eye/ENT/speciality centres and healthcare-product, permitted-drug or medical-equipment manufacturers
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Quick eligibility check

Healthcare Business Loan

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Do you meet this requirement: Hospitals, nursing homes, clinics, medical colleges, diagnostic centres, pathology laboratories, eye/ENT/speciality centres and healthcare-product, permitted-drug or medical-equipment manufacturers?

Published source: Target customers

2Do you meet this requirement: Individuals, proprietorships, partnerships, corporates or trusts with borrowing powers?

Published source: Eligibility

3Do you meet this requirement: at least 2 years' healthcare operations?

Published source: Eligibility

4Do you meet this requirement: professional qualification and statutory approvals are required?

Published source: Documents

5Do you meet this requirement: no complete checklist is published?

Published source: Documents

6Document checkDo you have this required document or proof: Experience certificate/registration/licences must establish operations; professional qualification and statutory approvals are required. ITR is mandatory for existing units operating for more than one financial year; no complete checklist is published?

Published source: Documents

7Document checkDo you have at least one of these required documents: relevant professional qualification (such as MBBS, BDS, BHMS or BAMS), statutory approvals/registrations and ITR for existing units operating over one financial year?

Published source: Eligibility

8Document checkDo you have this required document or proof: Experience certificate/registration/licences must establish operations?

Published source: Documents

9Document checkDo you have this required document or proof: ITR is mandatory for existing units operating for more than one financial year?

Published source: Documents
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 1 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeFinance qualified practitioners setting up or expanding clinics, nursing homes and hospitals, plus diagnostic/pathology labs, pharmacies, ambulances, therapy centres and healthcare-product, drug or medical-equipment manufacturersEffective 9 Jan 2025View source
To finance qualified medical practitioners for Clinics/Nursing Homes/Hospitals; hospitals, diagnostic centres, pathology labs, drug stores, ambulances and therapy centres; expansion/renovation; and healthcare product/drug/medical equipment manufacturers.
Source
Healthcare Business Loan — official product page
Page / section
Purpose
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Target customersHospitals, nursing homes, clinics, medical colleges, diagnostic centres, pathology laboratories, eye/ENT/speciality centres and healthcare-product, permitted-drug or medical-equipment manufacturersEffective 9 Jan 2025View source
Target Group includes hospitals/nursing homes/clinics/medical colleges, diagnostic/pathology laboratories, eye/ENT and speciality clients, and manufacturers of healthcare products, permitted drugs or medical equipment.
Source
Healthcare Business Loan — official product page
Page / section
Features — Target Group
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
FacilitiesTerm loan and/or cash credit; cash credit capped at ₹5 crore; capex letter of credit may be provided within overall term-loan exposureEffective 9 Jan 2025View source
Term Loan and/or Cash Credit; Cash Credit facility is capped at Rs. 5 Cr; Capex may be provided within overall Term Loan exposure.
Source
Healthcare Business Loan — official product page
Page / section
Features — Facilities Available
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Loan amountAbove ₹10 lakh minimum to ₹50 crore maximum; amounts above ₹50 crore may be permitted case-by-caseEffective 9 Jan 2025View source
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.
Source
Healthcare Business Loan — official product page
Page / section
Features — Quantum of loan
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo numeric turnover threshold is published; healthcare operating units need at least 2 years of operations and existing units operating more than one financial year must provide ITREffective 9 Jan 2025View source
Applicant should have minimum 2 years of operations... is mandatory in case of all existing units operating for more than one Financial Year.
Source
Healthcare Business Loan — official product page
Page / section
Special Feature and Eligibility Criteria
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
PricingRating/external or scheme-specific rating and SBI guidelines; EBR-linked for MSMEs (page states repo rate + 2.65%) and 6-month MCLR-linked for non-MSMEsEffective 9 Jan 2025View source
Attractive Interest rates based on rating/external rating/scheme-specific rating or bank guidelines; linked (repo + 2.65%) for and 6 months for non-.
Source
Healthcare Business Loan — official product page
Page / section
Features — Pricing
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Borrower marginTerm loan: 20%; cash credit: 25%Effective 9 Jan 2025View source
Borrower's Margin / Contribution: TL-20%, CC-25%.
Source
Healthcare Business Loan — official product page
Page / section
Features — Borrower's Margin / Contribution
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Repayment periodCash credit repayable on demand with yearly renewal; term loan maximum 10 years including moratorium, with moratorium up to 18 months (equipment finance up to 6 months)Effective 9 Jan 2025View source
Cash Credit: Yearly Renewal, repayable on demand. Term Loan: maximum 10 years including moratorium; maximum moratorium 18 months; equipment finance moratorium 6 months.
Source
Healthcare Business Loan — official product page
Page / section
Features — Repayment Period
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Processing / upfront feeAs per SBI guidelines and appraised to the borrower before sanctionEffective 9 Jan 2025View source
Processing Fee/Upfront Fee: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
Source
Healthcare Business Loan — official product page
Page / section
Features — Processing Fee / Upfront Fee
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Other chargesAs per SBI guidelines and appraised to the borrower before sanctionEffective 9 Jan 2025View source
Other Charges: As per Bank Guidelines which will be appraised to the borrower before sanction of loans.
Source
Healthcare Business Loan — official product page
Page / section
Features — Other Charges
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
SecurityLoans up to ₹2 crore: nil collateral when covered under CGTMSE/CGSSI (guarantee fee borne by borrower; partial-collateral model may apply); above ₹2 crore to ₹20 crore: minimum 25% SARFAESI-enabled tangible collateralEffective 9 Jan 2025View source
Loans up to Rs. 2 Cr: Nil collateral if covered under /CGSSI; loans above Rs. 2 Cr to Rs. 20 Cr: minimum 25% SARFAESI-enabled tangible collateral security.
Source
Healthcare Business Loan — official product page
Page / section
Collateral Security
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
EligibilityIndividuals, proprietorships, partnerships, corporates or trusts with borrowing powers; at least 2 years' healthcare operations; relevant professional qualification (such as MBBS, BDS, BHMS or BAMS), statutory approvals/registrations and ITR for existing units operating over one financial yearEffective 9 Jan 2025View source
Individuals/proprietorship/partnership/corporates/trusts eligible; minimum 2 years operation; relevant qualification; statutory approvals; mandatory for existing units operating more than one financial year.
Source
Healthcare Business Loan — official product page
Page / section
Eligibility Criteria
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Healthcare Business Loan — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗
DocumentsExperience certificate/registration/licences must establish operations; professional qualification and statutory approvals are required. ITR is mandatory for existing units operating for more than one financial year; no complete checklist is published.View source
The manually reviewed product record states: “Experience certificate/registration/licences must establish operations; professional qualification and statutory approvals are required. is mandatory for existing units operating for more than one financial year; no complete checklist is published.”.
Source
Healthcare Business Loan — official product page
Page / section
Published product metadata
Accessed
1 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • Finance for clinics, hospitals, labs, pharmacies, ambulances and medical equipment
  • Term loan and/or cash credit; cash credit capped at ₹5 crore
  • Above ₹10 lakh to ₹50 crore; higher amount case-by-case
  • Up to 10-year term with up to 18-month moratorium; nil collateral up to ₹2 crore when covered

Eligibility

  • Eligible constitutions include individuals, proprietorships, partnerships, corporates and trusts with borrowing powers.
  • Healthcare operators need at least 2 years of operations, required professional qualification and statutory approvals; is mandatory for existing units operating more than one financial year.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Experience certificate/registration/licences must establish operations; professional qualification and statutory approvals are required. is mandatory for existing units operating for more than one financial year; no complete checklist is published.

Related official documents

Healthcare Business Loan — official SBI product pageofficial-product-page · current · accessed 1 Sept 2026
↗

Plan before applying

Try the numbers

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Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹13,431thirteen thousand four hundred thirty-one rupees
Interest paid over the full loan₹7,23,444seven lakh twenty-three thousand four hundred forty-four rupees
Everything you repay₹32,23,444thirty-two lakh twenty-three thousand four hundred forty-four rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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Find the exact published value

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Purpose · Published termClinics, hospitals, labs, pharmacies, therapy centres, expansion and healthcare manufacturing

This value is copied from Healthcare Business Loan — published terms. Check the table notes before relying on it.

Source: Healthcare Business Loan — official product page · Purpose, Features, Eligibility and Collateral Security Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 10 rows · 2 columnsHealthcare Business Loan — published termsTerms published on SBI's healthcare finance page.View tableHide table

Scroll sideways to view every column

Healthcare Business Loan — published terms
ItemPublished term
PurposeClinics, hospitals, labs, pharmacies, therapy centres, expansion and healthcare manufacturing
CustomersHealthcare institutions, speciality centres and medical-product/drug/equipment manufacturers
FacilitiesTerm loan and/or cash credit; CC capped ₹5 crore; capex within term exposure
AmountAbove ₹10 lakh–₹50 crore; higher case-by-case
PricingRating/scheme based; page states repo + 2.65% for and 6-month for non-
MarginTerm loan 20%; cash credit 25%
RepaymentCash credit on demand/annual renewal; term loan up to 10 years; moratorium up to 18 months (equipment 6 months)
Processing / other charges guidelines, disclosed before sanction
EligibilityAt least 2 years' operation, qualification, approvals; after one financial year
SecurityUp to ₹2 crore nil collateral with /CGSSI; above ₹2 crore–₹20 crore ≥25% SARFAESI tangible collateral
  • Last updated on the page: 9 January 2025.
Healthcare Business Loan — official product page · Purpose, Features, Eligibility and Collateral Security · accessed 1 Sept 2026Open official source ↗

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