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 amount₹10 lakh to ₹50 crore; cash-credit facility is capped at ₹5 crore 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-MSMEs Target 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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✓ Manually checked 1 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

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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

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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

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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

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Loan amount₹10 lakh to ₹50 crore; cash-credit facility is capped at ₹5 croreEffective 30 Apr 2025View source

Quantum of finance: Min. Rs.10 lakhs to Max Rs.50 Crs; Cash Credit facility is capped at Rs.5 Cr

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — Healthcare Business Loan
Accessed: 10 Sept 2026
Confidence: high

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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

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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

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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

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TenureTerm loan up to 10 years including maximum 18-month moratorium; cash credit is repayable on demand and reviewed annuallyEffective 30 Apr 2025View source

Cash Credit repayable on demand or reviewed annually; Term Loan max repayment period 10 years including max 18 months moratorium

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — Healthcare Business Loan
Accessed: 10 Sept 2026
Confidence: high

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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

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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

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SecurityUp to ₹5 crore: nil collateral if covered under CGTMSE; above ₹5 crore to ₹50 crore: minimum 25% SARFAESI-enabled tangible collateralEffective 30 Apr 2025View source

Up to Rs 5 Cr: Nil collateral if covered under ; above Rs 5 Cr to Rs 50 Cr: minimum 25% SARFAESI-enabled tangible collateral

Source: Bouquet of Products and Services — Version 3.0 (Business loan section)
Page / section: Printed page 30 / physical page 37 — Healthcare Business Loan
Accessed: 10 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

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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

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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.

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Amount you want to borrowThe money you would receive from the lender.₹twenty-five lakh rupees₹50,000₹2,00,00,000Yearly interest rateThe percentage charged on the outstanding loan each year.%2%30%Time to repayA longer time usually lowers the monthly payment but raises total interest. months6 months360 months

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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TableItem

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

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Healthcare Business Loan — published terms
Item	Published term
Purpose	Clinics, hospitals, labs, pharmacies, therapy centres, expansion and healthcare manufacturing
Customers	Healthcare institutions, speciality centres and medical-product/drug/equipment manufacturers
Facilities	Term loan and/or cash credit; CC capped ₹5 crore; capex within term exposure
Amount	Above ₹10 lakh–₹50 crore; higher case-by-case
Pricing	Rating/scheme based; page states repo + 2.65% for and 6-month for non-
Margin	Term loan 20%; cash credit 25%
Repayment	Cash 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
Eligibility	At least 2 years' operation, qualification, approvals; after one financial year
Security	Up 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 ↗

Table 2 · 13 rows · 4 columnsBusiness-loan panelsView tableHide table

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Business-loan panels
Product or variant	Published purpose / eligibility	Amount / rate / fee	Tenure / margin / security
Cash Credit (Working Capital)	Manufacturing, trade and services; limits assessed on audited financials/cash flow and projections	Competitive rating-linked interest; amount not published	Facility subject to bank policy
Term Loan	Manufacturing, trade and services acquiring fixed assets or expanding capacity	Competitive internal/external-rating-linked interest; amount not published	Collateral as per bank policy
e-DFS	Dealers/distributors recommended by an Industry Major	/6-month -linked; minimum 25% collateral security	Cash-credit inventory funding
e-VFS — vendor exposure	Vendors of reputed corporates; peak monthly sales plus 20% contingency	100% invoice funding; ₹10,000–₹30,000 unified charges; nil collateral	Clean cash credit; T-Bill-linked pricing; in-principle digital sanction up to ₹50 crore
e-VFS — Industry Major exposure	Corporate's peak monthly purchases; no individual vendor limit	100% invoice funding; no primary security; clean or security-backed by risk assessment	T-Bill-linked pricing; liberalised documentation
Export Finance	Exporters using EPC, FBP, , and Exporters Gold Card	Competitive/T-Bill-linked pricing; Interest Equalisation Scheme where eligible	Need-based limits based on export turnover/orders; collateral as per policy
Asset Backed Loan (Saral)	Loan against property	More than ₹10 lakh to ₹5 crore; 65% of realizable property value	180 months; no primary security envisaged
ABL	Loan against property	More than ₹5 crore to ₹20 crore; 60% of realizable property value	240 months; no primary security envisaged
Car Loan	Promoter/partner/director gross taxable income ₹3 lakh+; vehicle purchase	Up to ₹5 crore or 4× annual income, lower of the two	5 or 7 years; no collateral, vehicle hypothecation
Fleet Finance	Three years' experience; regular scheme requires 10-vehicle fleet	₹50 lakh–₹50 crore tie-up; ₹50 lakh–₹5 crore regular	72 months incl. 5-month moratorium tie-up; 60 months regular; regular
Healthcare Business Loan	Healthcare practitioners, hospitals, diagnostics, pharmacies and manufacturers	₹10 lakh–₹50 crore; cash credit capped at ₹5 crore	10 years incl. 18-month moratorium; 25% tangible collateral above ₹5 crore
Finance to Solar Vendors	Existing solar vendors/channel partners/sub-contractors registered with MNRE	More than ₹10 lakh to ₹5 crore; processing fee per extant card rates	Cash credit; no collateral; cover
EV Mitra	Existing/prospective and non- businesses setting up public/captive/battery-swapping stations	More than ₹10 lakh to ₹5 crore; minimum 25% borrower contribution	8 years incl. 9-month moratorium; processing fee per extant card rates; amenities capped at 25% of project cost or ₹100 lakh

Every row is transcribed from the rendered panels; an amount, fee or security rule is left unpublished when the panel is silent.

Bouquet of Products and Services — Version 3.0 (Business loan section) · Printed pages 29–31 / physical pages 36–38 · accessed 10 Sept 2026Open official source ↗

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Healthcare Business Loan

What the official sources publish

Benefits and features

Eligibility

Documents the bank lists

Related official documents

Try the numbers

Loan repayment estimate

Find the exact published value

Complete rates, limits and schedules

Related products

Asset Backed Agriculture Loan (ABAL)

ABL (Saral)

Agri Clinic and Agri Business Centres Loan

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