Can I utilise a personal loan to pay for hospital bills, surgery, or medical treatments?

While you can use a personal loan for a variety of reasons, a medical loan is much better suited for the purpose.You can use Tata Capital’s medical loan for a variety of needs, including hospital bills, surgery and medical treatments. We offer loan amounts starting at Rs 75,000 and 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 Tata Capital medical loan.Instant approvalFlexible repayment optionsMinimal paperworkNo collateral

How much may I borrow for a medical emergency with a personal loan?

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 dateMonthly Income – It must be at least Rs. 15,000 per monthJob Stability – The applicant must be in the same job for the past six monthsWork Experience – The applicant must have a minimum of one year of work experienceOnce 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.

How long does it take to get a personal loan approved for a medical emergency?

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.

How long does it take to repay a personal loan for an unexpected medical expense?

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.

Can I utilise a personal loan to pay for a family member's or dependents' medical emergency expenses?

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 dateMonthly Income – It must be at least Rs. 15,000 per monthJob Stability – The applicant must be in the same job for the past six monthsWork Experience – The applicant must have a minimum of one year of work experience

If I have health insurance, can I still get a personal loan for a medical emergency?

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 approvalFlexible repayment optionsMinimal paperworkNo collateral

What are the consequences of not making personal loan payments for a medical emergency?

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.

Does a personal loan for a medical treatment come with any extra costs or fees?

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.

Are there any particular options for repayment, such as variable EMIs or grace periods, available for personal loans taken out for medical emergencies?

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.

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

We’ve made sure that getting aMedical Loanis simple and quick. For a swift approval for your application:Keep your personal details handy including your PAN number, Aadhaar Number,CIBIL scoreProvide copies of your payslips, address proof, and bank statementsCheckEligibility and Documentsfor more details.

What are the available payment options for Medical Loan?

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.

Home
Personal Loan
Loan For Medical Emergency

Medical Emergency Loan

Loan up to ₹35 lakhs | Quick Loan Disbursement | Limited Paperwork | Zero Collateral Required

Get a Medical Emergency Loan up to ₹35 Lakhs

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 @

11.50% p.a

View Rates & Charges

Calculate Your Loan EMI

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.

Loan amount

₹

₹75,000 ₹35,00,000

Loan duration

1 Years 6 Years

Rate of interest

10% p.a 19% p.a

Monthly EMI

Total Amount Payable

0*
Total Interest Payable

0*

Total Amount Payable

Total Interest Payable

Apply Now

Eligibility Criteria for Medical Loan

Tata Capital offers simple eligibility criteria to help you avail of a medical loan quickly. The basic medical loan eligibility criteria include-

Age: The applicant must be between the age of 21 to 58 years or retirement age, whichever is later at the last EMI date
Monthly income: The applicant must have a monthly income of at least Rs. 15,000
Work stability: Salaried employees with one year of work experience and working for at least six months in the current company can apply

Documents Required for Emergency Medical Loan

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

Personal Loan for Medical Emergency - Interest Rates and Charges

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.

How to Apply for Loan for Medical Emergency?

Online Application

You can apply for a medical loan by just filling up your basic details.

Document Submission

Post meeting the eligibility, furnish the required documents to take your application ahead.

Verification

We will verify your application and submitted the documents.

Approval

Post approval, the loan is sanctioned.

Disbursal

Receive the required amount in your bank account - it's that simple!

Benefits of choosing Tata Capital's Medical Emergency Loan

Instant online approval

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

Flexibility

Borrow when you need money and prepay when you can with our Personal Loan EMI options.

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 is needed for a Medical Loan.

Competitive interest rates

Our Personal Loan Interest Rates are competitive and affordable; we offer rates and

FAQs on Medical Loan

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What Our Customers Say About Us

Thank you for the excellent service! I truly appreciated the professionalism, attention to detail, and prompt response. It made a big difference and ensured a smooth experience. Keep up the great work!

DINESH KARTHIK LABALA

Personal Loan | 06 May, 2025

Customer service is most friendly and comfortable, and he also helped me with my financial situation.

MANIKANDAN M

Personal Loan | 02 May, 2025

Thank you for taking the time to explain everything clearly. The communication was polite, professional, and easy to understand. I truly appreciate your support and hope for a positive resolution to my request. Keep up the great work!

AVINASH KUMAR SHARMA

Personal Loan | 09 Apr, 2025

Awesome team. Professional with the customer and helped with all details. Good job.

KOJENGBAM BIKIM BIKIM CHANDRA

Personal Loan | 24 Jun, 2025

“Excellent service and fast loan approval. Thank you, Tata Capital!”

RANJITHKUMAR NEELAMEGAM

Personal Loan | 11 Jun, 2025

Experience is very good with your financial institution. If needed, I will take services in the near future.

DEEPAK KUMAR

Personal Loan | 25 May, 2025

Excellent support and very clear clarification for the part payment process. Keep it up!

S SURESHPERIASAMY

Personal Loan | 14 May, 2025

Explained clearly and helped me to understand the reason. Knowledgeable on Tata Capital policies and very articulate. Thank you, Tata Capital team.

SUBHADEEP LAL BHATTACHARYA

Personal Loan | 07 May, 2025

Communication and service were excellent.

SHAIK MOHAMMED AKHIL

Personal Loan | 07 May, 2025

DINESH KARTHIK LABALA

Personal Loan | 06 May, 2025

Customer service is most friendly and comfortable, and he also helped me with my financial situation.

MANIKANDAN M

Personal Loan | 02 May, 2025

AVINASH KUMAR SHARMA

Personal Loan | 09 Apr, 2025

Awesome team. Professional with the customer and helped with all details. Good job.

KOJENGBAM BIKIM BIKIM CHANDRA

Personal Loan | 24 Jun, 2025

“Excellent service and fast loan approval. Thank you, Tata Capital!”

RANJITHKUMAR NEELAMEGAM

Personal Loan | 11 Jun, 2025

Experience is very good with your financial institution. If needed, I will take services in the near future.

DEEPAK KUMAR

Personal Loan | 25 May, 2025

Excellent support and very clear clarification for the part payment process. Keep it up!

S SURESHPERIASAMY

Personal Loan | 14 May, 2025

Explained clearly and helped me to understand the reason. Knowledgeable on Tata Capital policies and very articulate. Thank you, Tata Capital team.

SUBHADEEP LAL BHATTACHARYA

Personal Loan | 07 May, 2025

Communication and service were excellent.

SHAIK MOHAMMED AKHIL

Personal Loan | 07 May, 2025

DINESH KARTHIK LABALA

Personal Loan | 06 May, 2025

Customer service is most friendly and comfortable, and he also helped me with my financial situation.

MANIKANDAN M

Personal Loan | 02 May, 2025

AVINASH KUMAR SHARMA

Personal Loan | 09 Apr, 2025

Read All

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