• Flexible Loan Amounts

  – Based on salary and private practice income.

• Extended Repayment Period

  – Up to 10 years of equal monthly instalments for manageable payments.

• Fast Approvals

  – Hassle-free application and quick processing.

• Exclusive to GMOA Members

  – Customised doctor lending solutions.

• Alternative Income Considered

  – Private practice, rental, and other verified income sources accepted.

• Exclusive Digital Banking Facilities

  – Access to DFCC ONE and Online Banking, eStatements, and SMS alerts.

• Competitive Interest Rates

  – Preferential rates for GMOA members.

• Eligibility:

  • Members of the Government Medical Officers’ Association (GMOA), including:

    • Interns

    • Preliminary Grade Doctors

    • Grade 02 Doctors

    • Grade 01 Doctors

    • Administrators

    • Consultants

    • Surgeons

  • Age between 18 and retirement, with full loan repayment required before retirement.

• Required Documents:

  • Completed loan application form.

  • Signed Terms & Conditions.

  • Certified copy of National Identity Card, Driver’s License, or Passport.

  • Medical Council identification and Employer confirmation letter.

  • Salary Assignment – Letter of undertaking from the employer on DFCC's prescribed format or confirmed Standing Order.

  • Proof of Private Practice Income – Letter of undertaking from the applicant confirming that private practice earnings will be routed through DFCC.

  • Proof of alternative income sources (e.g., rental income, dividends, etc.), subject to documentary evidence.

• How to Apply:

  • Complete the application form

  • Gather all required documents

  • Visit any DFCC Bank Branch or Apply Online Now

  • Call us 24/7 on and we’ll send a representative to you

• DFCC Personal Loan for Self-Employed Professionals

• DFCC One Loan (Debt Consolidation Loan)

• DFCC Home Loan

• Loan Calculator

• DFCC Branch Locator

• GMOA Loan Application Form

• Terms & Conditions

1. Who is eligible for the DFCC GMOA Loan?

   • Any GMOA member, including interns, consultants, and senior doctors.

2. What is the repayment tenure?

   • Up to 10 years, ensuring manageable equal monthly instalments.

3. Do I need to assign my salary to DFCC?

   • Yes, a salary assignment letter or a confirmed Standing Order is required.

4. Can my private practice income be considered?

   • Yes, provided that it is routed through DFCC Bank.

5. What additional income sources can be considered?

   • Rental income, lease income, and verified business income, subject to supporting documentation.

6. What is the loan approval process duration?

   • If all documents are submitted, approvals can take 5-10 business days.

7. Can I apply for the loan online?

1. You can apply in person or online, whichever is convenient for you. Just make sure have completed the application form and gathered all necessary documents to avoid delays.

Apply for the DFCC GMOA Loan Today