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Tata Capital > Blog > Medical Loan > How To Finance IVF Treatment Cost With A Personal Loan In India?

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How To Finance IVF Treatment Cost With A Personal Loan In India?

How To Finance IVF Treatment Cost With A Personal Loan In India?

Parenthood is a beautiful thing, and most people yearn to experience this in life. Unfortunately, some couples find it difficult to conceive naturally. The good news, however, is that with modern medical advancements, this issue can now be addressed. In-vitro fertilization, or IVF, as it is more commonly known, is a very successful method that many people choose. The only challenge is that IVF treatments are costly and unaffordable for some. But, with personal loans so easily available nowadays, this doesn't count as a roadblock. If you are looking to embark upon your IVF journey and want to take a loan for IVF treatment, we have some great tips for you. Read on to know more.

What exactly are IVF loans?

An IFV loan is nothing but a personal loan for IVF treatment. As stated, fertility treatments are expensive, and so, you may fall short on the funds. It is a good idea to opt for a fertility finance option at such a time to get the funds needed and proceed with the treatment. Since a personal loan can be taken for any reason, you can use it for your IVF procedure.

How to apply for a personal loan for IVF treatment?

The IVF loan application process is very simple. All you have to do is download the app of a good loan provider and get started. Here are the simple steps:

  • Download the app
  • Fill in the application form
  • Upload your documents
  • Submit the form.

Once that is done, you have to wait for the IVF personal loan approval. The good news here is that these are instant loans where you get to know instantly whether or not your loan is approved. Once you get a confirmation, wait for a few hours before the loan amount gets credited to your bank account. Then, you can easily finance IVF with the loan amount.

Factors to remember before opting for the IVF loans

While, on the one hand, an IVF personal loan is a very handy financial option for the parents-to-be, you also have to be cautious and keep a few factors in mind when applying for the loan. They are:

Borrow what you need

Since IVF loans are merely personal loans, you can borrow large amounts of money, at times as large as Rs 25 lakhs. However, be careful at this step and only borrow what you need. By doing so, you can pay smaller EMIs under a suitable IVF monthly payment plan. Do your math, check the expenses, calculate the amount of money you may already have and then arrive at the correct loan amount. If you borrow excessively, you will have to pay more money back, and that may become a challenge. Also, after the IVF treatment, you have to prepare for your pregnancy and childbirth, both of which would require funds, so plan your finances in a careful and cautious manner.

Check the interest rate

Before you take a personal loan for fertility treatment, ensure you check the interest rate. The different lenders have different rates of interest. Also, the rate differs based on your credit score. If you have a healthy credit score, you will get fertility loans at a lower interest rate. So check the interest rate on offer carefully and choose the option which is the most economical one.


Fortunately, modern-day IVF loans don't have a complicated documentation process. It is still advisable for you to have all the required paperwork ready when you sit to apply for the loan. Doing so will help you to get the loan in a quicker and smoother way. Many times, personal loans are rejected due to improper documentation. Avoid such unnecessary problems by keeping all the documents ready beforehand.   


When it comes to loans and borrowing, Indians prefer going to the big banks. However, modern-day NBFCs such as Tata Capital are very competent and offer excellent loans to finance IVF at attractive interest rates. This is why you need to compare all the available options before you finalise a loan for IVF treatment. 

Choose an easy EMI scheme

The fertility loans are available with easy IVF monthly payment plans. This makes it easy for you to choose a suitable EMI and repay the loan with ease. You can choose the volume of the instalments, as well as the loan tenure, in accordance with your financial abilities. This works as a benefit and allows you to repay the loan smoothly.

Use an online calculator

And last but not least, do not forget to use an online calculator before you opt for a personal loan for IVF treatment. This is important as when you calculate the interest rate, the EMI volume, etc before you take the loan, you can have a better understanding of the financial liability you are about to take on. This would help you to make a budget and stick to it. Also, if you feel the EMIs on the personal loan for IVF are too steep, you can rework the EMI structure when taking the loan. Doing so will help you in the long run.

If you take a personal loan for fertility treatment after keeping the points mentioned above in mind, you will make a sound financial decision and won't face any challenges later on.

To sum it up

As you saw, it is easy to finance IVF treatments these days with the help of IVF loans. If you are planning to undergo fertility treatment, explore all your options. Just like you would research about the doctors and clinics, also run a thorough research on the best personal loan for IVF options. With Medical loan from Tata Capital you can seek the medical help needed to welcome your bundle of joy home. Good luck!

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