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Information About Medical Loan

About Medical Loan

Tata Capital Medical Loan will take the weight off your shoulders with competitive interest rates and repayment schemes tailored to suit your needs. You can get cash up to ₹ 25 lakhs quickly and avail the best medical treatment for your loved ones or yourself without worrying about the medical bills.

How can you take a Medical Loan?

We have made the process of getting a Medical Loan really easy. You just have to follow these four easy steps:

  • Check your medical loan eligibility online
  • Select your medical loan amount and period
  • Submit your application
  • Get your money

What are the basic requirements in getting your Medical Loan approved?

We’ve made sure that getting a Medical Loan is simple and quick. For a swift approval:

  • Keep your personal details handy including your PAN number, Aadhaar Number, CIBIL score
  • Provide copies of your payslips, address proof and bank statements


Find out more about Eligibility and Documents for more details.

Four reasons why the Medical Loan is the right choice for you

Time is of the essence

During a medical emergency, there is no time to run around looking for additional money. At Tata Capital, we want to make sure you have money when you need it the most. Our process is simple and fast, and we will release the funds as soon as possible.

Your medical insurance does not cover the condition

Even those with medical insurance sometimes struggle to meet the costs of their healthcare treatment. It is also possible that your medical condition is not covered by your insurance plan. During such trying moments, the Tata Capital Medical Loan will have you covered.

Customise how you repay the loan

We understand the stress a family goes through during a medical crisis. This is not the time to worry about costs. With our flexi EMI options, you can choose how you repay the medical loan amount in accordance with your convenience. We put you first.

Very little paperwork

We are not going to make you run around from department to department in order to raise funds during your time of need. We require basic documentation and you’re set. 

Features and Advantages

By choosing our Medical Loans you will benefit from great features that allow you to enjoy flexibility and comfort at your fingertips. 

Instant online approval

You can check your eligibility within minutes by filling an online personal loan form.  And post verification you will get an instant approval.


Borrow when you need money and prepay when you can with our Flexi EMI plans. 

Minimum Paperwork

Submit just a few documents with your application and get your medical loan sanctioned instantly. 

No Collateral

You can count on us during your tough times. No collateral or security needed for a Medical Loan.  

Competitive interest rates

Our medical loan interest rates are competitive and affordable; we offer rates and plans that benefit you the most.

What does the Medical Loan cover?

Our Medical Loan is all-encompassing. We cover everything from surgeries to therapy. The approval of the loan and the amount does depend on your income. 

Interest Rates

Our interest rates that start at 10.99% are competitive amongst the other players in the industry. However, it depends on loan eligibility, income, whether salaried and other criteria to determine the interest rates for the loan offered.

How much EMI do you need to pay?

Equated Monthly Instalment depends on the loan amount, the interest rate charged and the period for which the loan is taken. We provide Medical Loans with loan tenure up to 72 months.

You can choose your EMI amount that is comfortable for you by using the Medical Loan EMI calculator. 

How can you repay a Medical Loan?

You can decide how you want to repay the loan. For a fixed amount of loan and interest, you can choose the tenure and EMI that is comfortable for you. The longer the tenure, lower will be the EMI. You can also prepay your loan after meeting defined terms and conditions. 

 You can pay your loan through auto debit or ECS facility. In exceptional cases, you can also opt for a post-dated cheque payment facility.

Eligibility and Documentation

You are eligible for a Medical Loan if you are a salaried person, aged 21-58 years, with one year of work experience and should have been with the present organization for six months at least.  You should also be earning a minimum salary of ₹ 20,000 per month. 


These are the documents you will need to submit:

  • The documents required to establish your credentials (Voter ID, Aadhaar Card, Ration Card, Driving License –any one).
  • Proof of identity and proof of residence
  • Salary slips, documents relevant to your salary

Find out more about Eligibility and Documents for more details.

Checking your Eligibility

You have to meet some basic conditions in order to get a Medical Loan. At Tata Capital, we offer loan with minimal paperwork, reasonable interest rate and flexi EMI plans.

What’s the maximum amount of Medical Loan you can get?

The maximum amount of a Medical Loan depends on your income. You need to have a minimum income of ₹ 20,000 per month. You would be eligible for a maximum loan of ₹ 25,00,000. 


What is a Medical Loan EMI Calculator?

The Medical Loan EMI calculator helps you to understand the EMI that you will pay towards the principal payments and interest payment over the loan tenure. Use the EMI calculator to know how much money you can pay monthly over a course of time to repay your personal loan for medical emergency. With the help of EMI calculator, you can plan your monthly instalments and pay off the loan with ease.

What does a Medical Loan EMI Stand for?

Equated Monthly Instalments (EMI) give you the convenience of paying back the Personal Loan amount in smaller instalments. The instalment consists of both the principal and interest amount.

How to calculate your Medical Loan EMI using a calculator?

Enter the following information to calculate your EMI:

  • Medical Loan Amount (the loan amount you wish to get) Interest Rate (Tata Capital Medical Loan interest rate begins at 10.99%)
  • Loan Tenure (Tata Capital offers 12 - 72 months of time)
  • Click the Calculate button. The system shows your EMI monthly break-up of both the interest and principal payment.
  • If the Medical Loan EMI is higher or lower than you want to pay, edit the principal amount and follow the same steps from 2 to 4.

The 3 Hows of deciding the right EMI

  • How soon do you want to pay off the personal loan for medical emergency?
  • How much can you afford to pay in a month?
  • How much of an interest rate are you comfortable with?

Why Choose Us

7 reasons why you should choose us

We care about you

We offer Medical Loans to help you meet your fund requirements without bothering you with too many formalities other than the statutory requirements as prescribed by law. 

We offer attractive Medical Loan Interest Rates

Our Medical Loan interest rates are competitive and affordable. We let you tailor everything according to your convenience and ability to repay. 

We’re flexible

Our Medical Loan lets you choose the loan amount, tenure and EMI period for which you need the loan. 

We’re not going to bother you about collateral

No collateral? No problem. We don’t want you to give any security to cover the Medical Loan.