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Rs. 40,000 - Rs. 55 lakh
You may be eligible for a pre-approved offer
Enter mobile and OTP | Check offer | Plan your IVF treatment
Overview
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A personal loan for IVF treatment can help couples who need extra money for their journey to parenthood.
✅ You might already have an offer waiting. Check your pre-approved loan offer in just 2 steps.
Medical insurance often doesn’t cover infertility treatments. Couples end up paying a lot out of pocket. A personal loan for IVF lets you get the right treatment without money stress. Get funds in 24 hours and focus on what matters most. Before you choose IVF financing, you can use a personal loan EMI calculator to figure out just how much loan amount you must take while handling your monthly expenses smoothly.
Things to consider when choosing an IVF loan
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Check eligibility first
Check your eligibility for personal loan using just mobile number and OTP – 100% online process.
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Pick the right loan amount
Too much loan means high monthly payments. Too little may not cover all your treatment and post-care costs. Choose an amount that fits your budget and leaves room for daily expenses.
Additional Read: Finance Your Medical Needs Instantly With A Bajaj Finserv Emergency Loan
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Understand interest rates and tenure
Interest rates for Bajaj Finserv Personal Loan start at 10% p.a., depending on your profile and loan size. You can borrow up to Rs. 55 lakh. Tenure is flexible and you can prepay early, often with a small penalty, to save on interest.
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Timeline for getting money
You can get your personal loan for IVF disbursed in 24 hours* if you meet the criteria.
Why this matters
A personal loan for IVF gives couples the funds they need without waiting on insurance payouts. With flexible amounts, quick disbursal, and easy online steps, you can focus on your treatment, not your finances.
*Terms and conditions apply.
How to apply for personal loan
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Step-by-step guide to apply for a personal loan
- Click on ‘CHECK ELIGIBILITY’ on this page.
- Enter your 10-digit mobile number and the OTP sent to your phone.
- 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.
- Now, click on ‘PROCEED’ to visit the loan selection page.
- Enter the offer or loan amount that you need. Choose from our personal loan variants.
- Choose the repayment tenure and click on ‘PROCEED’.
- Complete your KYC and submit your application.
Our representative will contact you for further steps.
Use our personal loan eligibility criteria to see if you qualify. If you meet the criteria such as income, residence, age, CIBIL score etc. you can easily apply online.
Key offerings: 3 loan types
Personal loan interest rate and applicable charges
Type of fee | Applicable charges |
Rate of interest per annum | 10% to 30% p.a. |
Processing fees | Up to 3.93% of the loan amount (inclusive of applicable taxes). |
Flexi Facility Charge | Term Loan – Not applicable Flexi Loans –Up To Rs 1,999 To Up To Rs 18,999/- (Inclusive Of Applicable Taxes) |
Bounce charges | Rs. 700 to Rs. 1,200/- per bounce “Bounce charges” shall mean charges for (i) dishonor of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonor of payment mandate or non-registration of the payment mandate or any other reason. |
Part-prepayment charges | Full Pre-payment:
Part Pre-payment
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Penal charge | Delay in payment of instalment(s) shall attract Penal Charge at the rate of up to 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from loan amount. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term (Dropline) Loan: Up to 0.295% (Inclusive of applicable taxes) of the Dropline limit (as per the repayment schedule) on the date of levy of such charges.
Up to 0.472% (Inclusive Of Applicable Taxes) Of The Dropline Limit During Initial Tenure. Up to 0.295% (Inclusive Of Applicable Taxes) Of Dropline Limit During Subsequent Tenure |
| Credit guarantee scheme fee | Up to 1.18% p.a. (pro-rated daily till 31st March) (inclusive of all applicable taxes) of the loan amount |
| Credit guarantee scheme renewal fee | Up to 1.18% p.a. (inclusive of all applicable taxes) on the outstanding loan amount as on April 01 of the subsequent Financial Year. *Renewal Fee to be collected only for 3 subsequent financial years. **If the Remaining Tenure is less than 12 months, the CG Fee in subsequent years shall be charged prorated. |
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Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.
For customer support, call Personal Loan IVR: 7757 000 000