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Loan Up to ₹ 35 Lakh* | Instant Loan Approval | Minimum Documentation | No Collateral Required
A medical emergency in your family can take a toll on your finances and emotional wellbeing. Arranging for funds in such a situation can be a hassle. This is why we designed a quick and convenient Medical Loan - a personal loan for a medical emergency. Our loan covers all cosmetic, medical, and dental procedures. With Tata Capital's Medical Loan, you can avoid financial duress with affordable interest rates and customized repayment schemes. You can avail of loans for surgery for up to ₹ 35 lakhs and receive the best medical treatment for your loved ones or yourself without worrying about extensive bills. Avail of a hassle-free loan with Tata Capital and focus on the health and wellbeing of your loved ones.
Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan Amount
₹ 40,000 - ₹ 35,00,000
Loan Tenure
Upto 6 years
Interest rate starting @
11.99% p.a
Tata Capital offers simple eligibility criteria to help you avail of a medical loan quickly. The basic medical loan eligibility criteria include-
1. Age: The applicant must be between the age of 21 to 58 years or retirement age, whichever is later at the last EMI date
2. Monthly income: The applicant must have a monthly income of at least Rs. 15,000
3. Work stability: Salaried employees with one year of work experience and working for at least six months in the current company can apply
Following are the documents required to apply for a medical loan with Tata Capital-
1. ID proof- Aadhaar Card/ Passport/ Driving License/ Voter ID
2. Income proof- A copy of the last six months of salary credits or primary bank account statements
3. Address proof- Aadhaar Card/ Passport/ Driving License/ Voter ID
4. Salary Slips- A copy of your salary slips for the last two months
5. Employment certificate- A certificate stating continuous employment of one year
| Rates and Charges | Details |
|---|---|
| Interest Rate | Get a medical loan from Tata Capital at an attractive interest rate. |
| Processing Fees | This refers to the charges for processing your loan application. |
| Part Payment Charges | Part prepayment is allowed once annually at a nominal charge, up to a maximum of 50% of the outstanding principal. |
| Foreclosure Charges | If the applicant chooses to foreclose their loan, they will have to pay a foreclosure charge. |
You can borrow up to Rs 35,00,000 for a medical emergency. Further, at Tata Capital, we offer flexible tenures ranging from 12 to 72 months. Here are the eligibility criteria.
Age: the applicant should be between the age of 21 to 58 years or retirement age, whichever is later at the last EMI date
Monthly Income – It must be at least Rs. 15,000 per month
Job Stability – The applicant must be in the same job for the past six months
Work Experience – The applicant must have a minimum of one year of work experience
Once you know you’re eligible for the medical loan, all you need to do is fill out the online application and submit the necessary documents. Once these are verified, Tata Capital will sanction the loan and disburse the amount directly into your bank account.
At Tata Capital, we understand the urgency of medical loans. And so, we offer instant approval. All you need to do is fill out the online application and submit the necessary documents. Once these are verified, Tata Capital will sanction the loan and disburse the amount directly into your bank account.
This depends on your loan amount, tenure, interest rate and financial plans. At Tata Capital, we offer flexible tenures ranging from 12 to 72 months and loan amounts starting at Rs 75,000 and going up to 35,00,000 so that you can choose the one that suits you best.
Yes, you can utilise a medical loan to pay for a family member's or dependents' medical emergency expenses. Tata Capital offers loan amounts starting from Rs 75,000, going up to Rs 35,00,000, with flexible tenures ranging from 12 to 72 months.
Here are the eligibility criteria for a medical loan.
Age: the applicant should be between the age of 21 to 58 years or retirement age, whichever is later at the last EMI date
Monthly Income – It must be at least Rs. 15,000 per month
Job Stability – The applicant must be in the same job for the past six months
Work Experience – The applicant must have a minimum of one year of work experience
Yes, you can get a personal loan for a medical emergency even if you have health insurance. Tata Capital offers loan amounts starting from Rs 75,000, going up to Rs 35,00,000, with flexible tenures ranging from 12 to 72 months.
Further, here are some advantages of applying for a medical loan with Tata Capital.
Instant approval
Flexible repayment options
Minimal paperwork
No collateral
Penal interest is levied in case you default on repayments for your medical loan. You must then pay your outstanding installments inclusive of this additional interest. Tata Capital levies penal interest of 3% per month on the overdue amount.
While there are no extra costs levied on a medical loan, Tata Capital does charge a nominal processing fee of 4% + GST. This is a one-time, non-refundable fee levied for processing your application.
Tata Capital offers flexible loan amounts and tenures to help you find a repayment plan that works best for you. Additionally, you can take advantage of Tata Capital’s personal loan calculator to plan your EMIs as well.
We’ve made sure that getting a Medical Loan is simple and quick. For a swift approval for your application:
The available payment options for a medical loan includes:
Online Payment: You can pay your EMI using our website or mobile anytime, anywhere.
Dropping a cheque: You can visit your nearest Tata Capital branch and drop a cheque at your convenience.
Last updated on: 14 May, 2025
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