Medical Emergency Loan
- Loan up to ₹35 lakhs | Quick Loan Disbursement | Limited Paperwork | Zero Collateral Required
A medical emergency can drain all your savings and take a toll on your emotional well-being. Arranging funds during such times can also be stressful and challenging.
Tata Capital offers a quick and convenient medical loan, a personal loan for a medical emergency.
The medical loan covers a wide range of procedures, including cosmetic, medical, and dental treatments.
With Tata Capital’s medical loan, you can steer clear of financial duress with competitive interest rates and personalised repayment schemes.
Borrow up to ₹35 lakhs for surgeries and treatments without worrying about extensive medical bills.
Avail of a hassle-free loan with Tata Capital and focus on the well-being 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 @
10.99% p.a
To make your financing experience seamless, Tata Capital offers an easy-to-use personal loan EMI calculator. This digital tool allows you to calculate your monthly EMIs based on the loan amount, interest rate, and tenure of the loan. You simply need to enter the required details, and the calculator will instantly display your monthly EMIs and total payable interest. This easy-to-use tool helps you plan your finances more effectively and choose a loan which best suits your budget and requirements. You can gain complete clarity on your repayment schedule and make informed financial decisions promptly during medical emergencies.
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Tata Capital offers simple eligibility criteria to help you avail of a medical loan quickly. The basic medical loan eligibility criteria include-
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
| Types of Charges | Amount |
|---|---|
| Interest Rate | Get a medical loan from Tata Capital at an attractive interest rate. |
| Processing Fees | Up to 3.5% of the loan amount + GST |
| Part Payment Charges | a) No part prepayment charges shall be applicable on payment of up to 25% of disbursed loan amount during the entire loan tenure. |
| Foreclosure Charges | Within 12 months of the date of first disbursement- 6.5% of the principal outstanding at the time of foreclosure After 12 months of the date of first disbursement- 4.5% of the principal outstanding at the time of foreclosure |
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 charges are levied in case you default on repayments for your medical loan. You must then pay your outstanding instalments inclusive of this additional penal charge. Tata Capital levies penal charge 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 up to 3.5% + 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: 26 Nov, 2025