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.
Check Loan Eligibility in 2 Minutes
Compare rates from 30+ lenders without affecting your credit score
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.