Investkraft Medical Loan

Get financial support for all types of medical procedures

  • green Competitive interest rates
  • green Digital, paperless application procedure
  • green Flexible repayment tenure

Apply for Medical Loan

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What is a Medical Loan?

A medical loan is similar to a personal loan in which the borrowed money can be used on healthcare expenses like diagnostic procedures, hospitalization expenses, medicines, and others. The only difference between a medical and a personal loan is the utilization of the borrowed funds. Medical loans are frequently provided by conventional banks and internet lenders. As such, they are typically unsecured loans without any requirement for security. The lenders are safer since they can't seize any of your property, like your automobile, if you do wind up defaulting.

If you have a significant medical bill that has to be covered, medical loans might be extremely useful. And in the field of healthcare, there is definitely no shortage of such at the moment. This kind of financing can help you enhance your quality of life right now rather than having to put off getting the money for the treatment for years.

You might be able to expedite the procedure by taking out a loan for the procedure now and paying it off over time. This is crucial to take into account since, like with many different kinds of medical operations, the sooner the surgery is completed, the better.

Eligibility and Documentation

Any individual can apply for our medical loan,.The person needs to fulfill the five preliminary criteria mentioned here. If your loanapplication meets all the eligibility criteria, you will just need to furnish certain documents to carry out the application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 years to 67 years*
  • Employed with: Public, private, or MNC.
  • CIBIL score: 750 or higher.
  • Monthly salary: Starting Rs. 25,000, given your city

Documents required

  • KYC documents: Aadhaar/ PAN card/ passport/ voter’s ID
  • Employee ID card
  • Salary slips for the last 3 months
  • Bank account statements for the previous 3 months

Interest Rate & Charges

Interest rates for a medical loan start at 11.99%* annually. Your credit score, your requirement, your history with us, the total loan amount and term, and the nature of your work all play a role in determining the interest rate. Also applicable is a processing charge of up to 3% of the loan amount.

Interest Rate 11.99% to 36%
Processing Fee Up to 3% of the loan amount
Loan Tenure Up to 60 months
EMI Per Lakh ₹2,275 for 60 months
Foreclosure Charges 0% to 7%*

Check out the major benefits of availing a medical loan from Investkraft.

  • Higher Loan Amount – Expect to get a higher loan amount for medical scenarios than what other lenders have to offer.
  • Hassle-free Process – Since all our processed are digital, get a smoother and quicker medical loan experience.
  • Lower interest rates – Pay lesser interest on the borrowed amount and enjoy complete peace of mind with our competitive interest rates.
  • Zero collateral – Getting a medical loan from Investkraft is very easy as there is no need to pledge any security or collateral.
  • Easy repayment – Due to our commitment to delivering more value to the borrowers, we give easy repayment options to them.

Monthly EMI

₹ 8,676

Loan amount


Rate of interest (p.a)

1 %

Loan tenure

1 Years
30 Years

Different Types of Medical Loans

Your health is always a priority

Be it a planned medical procedure or a sudden emergency, Investkraft’s medical loan emerges as the best solution to arrange funds for such things.


Say yes to best-in-class healthcare with a medical loan


Encountered a medical emergency? Get a medical loan in small steps

Get Started

1Check eligibility

Use our medical loan eligibility calculator to check your eligibility.


2 Submit the docs

Next, submit the required documents online and click Submit


3 Sumit application

Verify the submitted information and click on Submit for further


The best way to manage a medical emergency

Apply for a medical loan with Investkraft today!


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Frequently asked questions

A medical emergency loan is a personal loan that is only intended to be used in an emergency to pay for medical expenses. This enables you to provide your loved ones with the greatest care possible without having to worry about the incurred expenses.

Yes, our faster loan approval process ensures that you get the requested loan amount within 24 hours of application.

Below are the documents you would have to furnish.
  • KYC documents - PAN and address proof
  • Employment Proof (for Salaried) / Proof of business presence (for self-employed)
  • Income proof (salary slips for employees / Form 16 / ITR / Audited reports for self-employed)
  • Bank statements for the last 6 months
  • In a few scenarios, medical documents defining the nature and treatment cost may also be required

While applying for a medical loan, the below elements must be taken into account:
  • The application must have a credit score of at least 750
  • Have a reliable monthly income starting at Rs. 25,000, depending on the city you live in, and satisfy the requirements
  • Be careful to have all necessary documentation available.

With a medical loan from Investkraft, one can secure funds of up to Rs. 35 lahks. The loan value can range from Rs. 1 lakh to Rs. 35 lahks and can help you pay for all your big or small medical expenses.