Medical Loan
Instant Health & Surgery Financing
Focus on recovery, not the bills. Get fast emergency funding for surgeries, dental care, critical treatments, or elective therapies starting at 10.25% p.a.
- Rates from 10.25% p.a.
- Up to ₹25 Lakh Limits
- Disbursal in 24 Hours
- Zero Prepayment Fees
Check Emergency Limit
Fast verification to support immediate treatments.
Medical Loan Interest Rates
Compare the latest interest rates, maximum loan limits, and processing charges offered by top banks and financial platforms.
| Lender Partner | Interest Rate (p.a.) | Max Loan Amount | Processing Fee |
|---|---|---|---|
| HDFC Bank | 10.50% - 15.00% | ₹25 Lakhs | Up to 1.5% |
| ICICI Bank | 10.65% - 16.00% | ₹25 Lakhs | Up to 2.0% |
| Axis Bank | 10.75% - 15.50% | ₹20 Lakhs | Up to 2.0% |
| Tata Capital | 10.99% - 18.00% | ₹25 Lakhs | Up to 2.5% |
| Bajaj Finserv | 11.00% - 17.50% | ₹25 Lakhs | Up to 3.0% |
What Can Emergency Medical Loans Fund?
Unlike traditional health insurance, medical loans can be used to pay for 100% of out-of-pocket costs, copays, or treatments not covered by insurance.
Surgeries & Hospitalization
Pay for cardiac procedures, joint replacements, and emergency hospital stays immediately.
Dental & Orthodontics
Cover root canals, dental implants, aligners, or major reconstructive jaw surgeries.
IVF & Fertility Care
Support reproductive healthcare expenses, IVF cycles, and diagnostic hormone therapies.
LASIK & Vision Care
Correct vision issues through advanced laser surgeries and premium ophthalmology treatment.
Eligibility & Documents Required
Understand the standard criteria to ensure rapid verification and instantaneous loan sanctioning.
Eligibility Criteria
- Age: Minimum 21 years old; Maximum 60 years old.
- Minimum Net Salary: ₹20,000 per month (higher in metropolitan areas).
- Employment: Salaried with MNC/Public/Private firms or self-employed with stable returns.
- CIBIL Score: 720+ preferred for fast-tracked emergency sanctions.
Documents Required
- Identity Proof: PAN Card, Aadhaar Card, Passport, or Voter ID.
- Address Proof: Utility bills, Aadhaar card, or lease agreement.
- Income Proof: Latest 3 months' salary slips and bank statement showing salary credits.
- Medical Estimations: Hospital bill estimate or doctor's prescription (if required).
Frequently Asked Questions
While there is no single fixed cutoff, a credit score of 720 to 750 or above is generally considered favorable by most banks and financial institutions. A higher score increases your chances of approval and helps you secure lower interest rates and higher loan amounts.
Yes, it is possible to secure a personal loan with a lower credit score (under 650), but you may face higher interest rates, a smaller loan amount, or shorter repayment tenures. Additionally, applying with a co-signer who has strong credit or offering collateral (where applicable) can improve your chances.
The general documents required include: 1) Proof of Identity (PAN Card, Aadhaar Card, Passport, etc.), 2) Proof of Address (Passport, Utility Bills, Aadhaar Card), 3) Income Proof (Salary slips for the last 3 months, Form 16, or ITR for self-employed), and 4) Bank statements for the last 3 to 6 months.
Thanks to digital integrations, basic approval (pre-approval) on aggregator platforms like ours can happen in a few minutes. Final verification and disbursement by the lender typically takes between 24 to 48 working hours, depending on physical verification or documentation completion.