Get the Tata Capital App to apply for Loans & manage your account. Download Now


Equipment Finance

Avail Digital Equipment Loans
up to Rs. 1 Crore

  • Attractive ROIs
  • Customizable Loan tenure

Equipment Leasing

Avail Leasing solutions
for all asset classes

  • Up to 100% financing
  • No additional collateral required

New Commercial Vehicle Financing

  • First time user
  • Retail and strategic Clients

Used Commercial Vehicle finance

  • Repurchase
  • Refinance
  • Top up
  • Balance Transfer

Tata Capital > Blog > Medical Loan > Medical Loan For Cosmetic Surgery

Medical Loan

Medical Loan For Cosmetic Surgery

Medical Loan For Cosmetic Surgery

Cosmetic surgery has gained immense popularity in India over the years. People from all walks of life are now opting for various cosmetic procedures like liposuction, breast augmentation, rhinoplasty, and more. However, these procedures can be quite expensive, and most insurance companies do not cover them. So, how can you finance your cosmetic surgery? The answer lies in a medical loan for cosmetic surgery.

In this article, we will explore the benefits of a medical loan for cosmetic surgery and guide you on how to apply online. With Tata Capital's medical financing options, you can turn your dreams of enhancing your appearance into reality.

Understanding Medical Loans for Cosmetic Surgery

A medical loan is essentially a type of personal loan that you can avail of specifically for financing medical treatments or procedures. It provides you with the necessary funds to cover the costs of cosmetic surgery, which can often be substantial.

Benefits of a Medical Loan for Cosmetic Surgery

  1. Use of funds: One of the major advantages of taking a personal loan for cosmetic surgery is that there are no restrictions on how you can use the funds. You have complete freedom to utilize the loan amount as per your requirements.
  2. Flexible repayment tenure: The cost of cosmetic surgeries can range from thousands to lakhs of rupees. With a medical loan, you have the flexibility to repay the amount over a period of five to seven years, depending on your financial situation.
  3. Pocket-friendly EMIs: Personal loans come with affordable interest rates and pocket-friendly EMIs. By using Tata Capital's Personal Loan EM

    I Calculator, you can estimate your monthly repayments and choose a loan amount that fits within your budget.
  4. Quick and hassle-free process: Applying for a medical loan for cosmetic surgery is simple and convenient. With Tata Capital, you can apply online and get approval within minutes. The required funds are then disbursed directly into your bank account, enabling you to settle your surgery bills conveniently.
  5. No collateral required: Medical loans are unsecured loans, which means you don't need to provide any collateral or security against the loan amount. This makes it easier for individuals to avail of the loan without worrying about putting their assets at risk.

Eligibility Criteria for a Medical Loan

1. Age: You must be between 21 and 58 years old at the time of the last EMI date or retirement age, whichever is later.

2. Monthly income: You should have a minimum monthly income of Rs. 15,000.

3. Work stability: Salaried employees should have a minimum work experience of one year and should be working in their current company for at least six months.

Documents Required for a Medical Loan

1. ID proof: Aadhaar Card/ Passport/ Driving Licence/ Voter ID.

2. Income proof: Last six months' salary credits or primary bank account statements.

3. Address proof: Aadhaar Card/ Passport/ Driving Licence/ Voter ID.

4. Salary slips: Copy of your salary slips for the last two months.

5. Employment certificate: A certificate stating continuous employment of one year.

Example Scenario:

Let's take an example scenario to understand how a medical loan can help finance cosmetic surgery:

Riya has always dreamed of getting a nose job but didn't have the funds to cover the steep costs of the surgery. She decides to explore medical loan options and comes across Tata Capital's medical financing for cosmetic surgery.

Riya applies online for a medical loan and is approved within a few minutes. The loan amount is disbursed directly into her bank account, allowing her to pay for her rhinoplasty procedure without any financial stress. Riya can now enjoy her new look while comfortably repaying the loan through affordable monthly EMIs.

Sample Calculation:

To further illustrate the affordability of a medical loan, let's consider a sample calculation:

Suppose you want to avail a medical loan of Rs. 5,00,000 for your cosmetic surgery at an interest rate of 12% per annum. You can use Tata Capital's Personal EMI calculator to determine your monthly instalment amount. According to the calculator, your monthly EMI would be approximately Rs. 8,896.

With this example, you can see how easily manageable the EMIs are, making it convenient for you to finance your dream cosmetic surgery without straining your budget.


The popularity of cosmetic surgery in India has led to an increased demand for financing options that cater specifically to such procedures. A medical loan for cosmetic surgery offers numerous benefits like flexible repayment tenure, affordable EMIs, quick disbursal of funds, and no collateral requirement.

With Tata Capital's medical financing options, you can easily apply online for cosmetic surgery finance and turn your dreams into reality. Don't let financial constraints hold you back from achieving the look you desire. Apply for a medical loan today with Tata Capital and embark on your journey towards self-enhancement.

Leave a Reply

Your email address will not be published. Required fields are marked *