Hospital and clinic funding document checklist

For doctors and healthcare promoters funding a new hospital, nursing home, clinic or diagnostic centre, or expanding one. Lenders and bank schemes differ, so bring what applies to your facility.

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Tick items off as you collect them. Ticks are not saved or sent anywhere. 26 documents

01Entity and promoter KYC

PAN and Aadhaar of all promoters, partners, directors or trustees
Constitution documents: partnership deed, MoA and AoA, or trust deed
Resolution authorising the borrowingFor companies and trusts; a trust must have the power to borrow.
Udyam registration certificate, if an MSMEBank of Maharashtra's doctors' scheme, for example, requires it.

02Doctors' qualifications

Degree certificates of promoter doctors (MBBS, BDS, BAMS, etc.)
Medical council registration certificates
Proof of experience after qualifyingSome schemes ask for at least 2 years.
Details of consultants committed to the facility

03Registrations and approvals

Registration under the Maharashtra Nursing Homes Registration Act, 1949Earlier known as the Bombay Act; check that the certificate is current.
Biomedical waste authorisation from MPCB
Fire NOC
AERB licence for X-ray, CT and other radiology equipmentAERB procurement permission is also needed before buying such equipment.
Ultrasound registration under the PC-PNDT Act, where applicable
Building approval for hospital use and occupancy certificate
NABH accreditation certificate, if any

04Financials and operations (running facilities)

Audited financial statements for the last 3 years
Income tax returnsSBI requires ITRs for units running for more than one financial year.
GST returns, where registered
Bed occupancy, ARPOB and revenue mix data
Payer mix: cash, insurance and government scheme share
Empanelment letters for PM-JAY, MJPJAY, insurers and TPAs
Ageing of insurance and scheme claims receivable

05Project and equipment

Project report with bed count, specialities and ramp-up plan
Quotations for medical equipment
Civil and fit-out cost estimates
Title deeds or registered lease of the premises

Sources

Healthcare Business Loan — State Bank of India
Mahabank Loan Scheme for Doctors — Bank of Maharashtra
The Maharashtra Nursing Homes Registration Act, 1949 — Government of Maharashtra (district portal copy)
Bio-Medical Waste Management Rules, 2016 — Ministry of Environment, Forest and Climate Change (via CPCB)
Regulatory requirements for diagnostic radiology facilities — Atomic Energy Regulatory Board

Last reviewed 5 October 2026.

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Hospital and clinic funding document checklist

Hospital Funding

How to fund a hospital, nursing home, clinic or diagnostic centre in India

Medical equipment finance: leasing vs loan for MRI, CT, cath lab, dialysis, dental and ophthalmic equipment

What lenders want in a project report (DPR) for a term loan

Project DSCR & repayment schedule

Sources

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