Why doctors need a different plan
A generic financial plan assumes you start earning at 22. A medical career rarely works that way.
For doctors
A late start
Years of study, residency and fellowship mean fewer earning years to build a retirement corpus. Higher SIPs and smarter allocation help close the gap.
Education and practice debt
Loans for training, a clinic or equipment compete with investing. We help you decide what to repay first and what to invest alongside.
Income that swings
Private practice income varies by month and season. We build an emergency reserve and flexible SIPs to match.
Personal liability
Malpractice claims and disputes can threaten savings. Professional indemnity and adequate cover protect what you have built.
No employer pension
Most private practitioners have no employer-funded retirement plan. You need to build your own income for life after practice.
No time to manage money
We handle paperwork, reviews and reminders, and schedule calls around your OPD, surgeries and on-call hours.
Products for your career and your practice
Every recommendation is checked for suitability against your goals, time horizon and risk tolerance. We will say so when a product isn't right for you.
Mutual funds and SIPs
Equity, hybrid, debt and index funds from leading AMCs, invested by SIP, STP or lump sum.
- Catch-up SIPs for a late start
- STP for a one-time inflow such as a practice sale
- Units held in your name
Insurance for doctors
Term life, health and critical illness cover, plus professional indemnity for medical practitioners through our insurer partners.
- Cover sized to income and loans
- Disability and income protection options
- Claims support
NPS and retirement planning
A retirement plan that replaces the pension you don't have, built from NPS, equity funds and debt.
- Tax benefits under applicable NPS provisions
- Post-practice income planning
Bonds, FDs and liquid funds
Predictable options for emergency funds, short-term goals and practice reserves.
- Credit quality and maturity reviewed
- Maturities matched to cash needs
PMS
Professionally managed portfolios for senior consultants and promoters with large surplus.
- Minimum Rs 50 lakh as per SEBI
- Fees explained upfront
AIFs
Category II and III funds, including private credit and real estate, for eligible investors.
- Minimum Rs 1 crore as per SEBI
- Lock-ins and liquidity stated clearly
For clinics, nursing homes, hospitals and diagnostic centres
A medical establishment has its own financial needs alongside those of its owners. We work with both.
Surplus and treasury
Put idle cash to work in liquid funds, short-duration debt, FDs and bonds, while keeping enough for payroll, vendors and equipment.
Establishment insurance
Fire and special perils, medical equipment, business interruption, public liability and staff cover, arranged through our insurer partners.
Staff benefits
Group health, personal accident cover and NPS options that help you attract and keep nurses, technicians and doctors.
Promoter and partner wealth
Separate business risk from personal wealth, plan partner exits and buy-ins, and prepare succession for the next generation.
Why doctors work with us
We speak your reality
Plans reflect residency years, locum income, practice cycles and retirement on your own terms.
Your money stays yours
Investments are made in your name. Payments go directly to the AMC or product issuer, never to a personal account.
Confidential and clear
Your information stays private. You will know how we are compensated for each product before you invest.
Time-friendly service
Paperless onboarding, evening and weekend calls, and one consolidated statement across your holdings.
How we work
A conversation first, and a plan second.
Understand you
We discuss your career stage, income pattern, loans, family goals and comfort with risk, and complete KYC and risk profiling.
Build the plan
You get a written plan covering investments, insurance, emergency funds and retirement, with reasons for each choice.
Invest and insure
Paperless onboarding and SIP mandates, with confirmations sent to you directly by the issuer.
Review
We review as your practice, family and markets change, and adjust before small gaps become large ones.
Who we serve
Residents and young doctors
Start small SIPs, manage education loans and buy term and health cover while premiums are low.
Consultants and specialists
Build wealth across salary, fees and locum income, and plan for a high tax bracket.
Practice owners and promoters
Manage practice surplus, protect the business and plan for expansion or exit.
Senior doctors nearing retirement
Convert a career's savings into regular income, with health cover and estate planning.
Doctor couples and families
Coordinate two incomes, children's education and shared goals in one plan.
NRI doctors returning to India
Guidance on investing in Indian products, subject to FEMA and KYC rules.
Talk to a Docland advisor
Book a free 30-minute call at a time that works around your clinic or hospital schedule. We will listen first, then suggest a plan. Available in English and Hindi. Add your regional languages here.
What the policy covers?
The policy has 12 sections. Choose a group, then open a section to see what it covers and what it doesn't.
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