Medical emergencies don’t wait — and even planned treatments can come with unexpected costs. While health insurance helps, it often doesn’t cover everything — especially things like private room charges or cosmetic procedures. That’s where a personal loan can help. With our variant, Flexi Hybrid Term Loan, you have the freedom to borrow what you need, when you need it — and pay interest only on what you withdraw. Whether it's surgery, specialised treatment, or recovery expenses, personal loans for medical expenses ensure you get timely support without financial stress.

High-cost diagnostic tests

You can check your personal loan offer online in just 2 steps — no paperwork, waiting.

Tests like MRIs, CT scans, and PET scans can be expensive — a single MRI may cost Rs. 20,000 or more. Often, multiple tests are needed for an accurate diagnosis.

• Why it matters: Delaying diagnostics can delay treatment.
• Solution: A medical loan ensures you get tests done promptly without financial stress.

Hospitalisation costs

Extra expenses like room upgrades, special meals, additional doctor consults, or specialist visits (e.g., dieticians) often exceed insurance coverage.

Pro tip: These extra costs can add up quickly. With a Flexi Loan, you can withdraw as needed from the dropline limit— instead of taking a lump sum upfront. Check your eligibility with phone number and OTP and know if you can get the Flexi Hybrid Term Loan.

Physiotherapy and recovery support

Post-surgery or injury, physiotherapy is crucial. Insurance may not cover full treatment, especially with specialised equipment or multiple sessions.

Household expenses during recovery

Time off work during medical recovery doesn’t stop bills. School fees, groceries, EMIs, fuel, and other expenses continue.

With a Flexi Hybrid Term Loan, you can withdraw from your dropline limit as and when you need — and repay at your convenience.

Cosmetic or dental procedures

Treatments like laser therapy, facelifts, or dental work aren’t typically covered by insurance but are important for confidence and well-being.

Why it matters: Clinics are now available across cities — and with the right financial backing, you don’t need to postpone what makes you feel your best.

1. 3 different loan types - Interest-only EMI option

   We have different loan types that you can choose from, based on your needs - Term Loan, Flexi Term Loan, and Flexi Hybrid Term Loan.

2. Money in your account in 24 hours*

   You will get the loan amount in your bank account within 24 hours* or, in some cases, on the same day of approval.

3. High loan amount

   You can take a loan ranging from Rs. 40,000 to Rs. 55 lakh - allowing you to manage different types of expenses.

4. Long repayment period

   You can spread your repayment from 12 months to 96 months, which means manageable EMIs right from the start.

5. Approval in just 5 minutes

   Complete your application online and get quick approval for your personal loan.

6. No part-prepayment charge on Flexi Loans

   With our Flexi Loans, you can withdraw and part-prepay at no extra charges – as many times as you want.

7. No guarantor or collateral needed

You do not need to provide any collateral such as gold ornaments and property papers to get the loan.

*Terms and conditions apply.

These features make this one of the best personal loans in India.

Depending on your profile, you may already be eligible for a pre-approved offer. In that case, you do not have to check eligibility criteria separately.
 

Eligibility for a personal loan

Find out your loan offer in just two clicks. Offer or no offer, you can get our personal loan by meeting these 5 simple eligibility criteria:

• Nationality: Indian
• Age: 21 years to 80 years*.
• Employed with: Public, private, or MNC.
• CIBIL Score: 650 or higher.
• Customer profile: Self-employed or Salaried
   

You should be 80 years* or younger, at the end of the loan tenure.
 

Documentation needed for a personal loan for medical emergencies
 

• KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ Letter of National Population Register/ NREGA job card
• PAN card
• Employee ID card
• Salary slips of the last 3 months
• Bank account statements of the previous 3 months
• Piped gas bill
• Pension order
• Letter of Allotment of Accommodation Issued by Employer
• Property / Municipal tax receipt
• Utility bill
• Phone bill
• Real-time image / photograph
• Ration card

Depending on your offer, you may need to keep a few documents ready when applying for the loan. Check the list of documents required for personal loan.

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Step-by-step guide to apply for a personal loan

1. Click on ‘CHECK ELIGIBILITY’ on this page.
2. Enter your 10-digit mobile number and the OTP sent to your phone.
3. Check if you have an offer. If not, fill in the application form with your basic loan details, such as your full name, PAN, date of birth, and PIN code.
4. Now, click on ‘PROCEED’ to visit the loan selection page.
5. Enter the loan amount that you need. Choose from our personal loan variants.
6. Choose the repayment tenure and click on ‘PROCEED’.

7. Complete your KYC and submit your application.

   
   

Our representative will call you for the next steps. The loan amount will be transferred to your bank account after successful verification of your documents.