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.

Medical loans for surgery are a helpful option when it comes to financing surgical procedures. These loans can offer timely assistance to individuals in need, ensuring that necessary surgeries can be carried out without delay. Whether it is for small outpatient procedures or more complex surgeries, medical loans can provide the necessary funding for individuals to undergo the necessary treatment.

There are various options available for medical students, including education loans and student loans specifically designed to cover tuition and related expenses. These financial assistance options help alleviate the burden of medical education costs, ensuring that students can focus on their studies and future careers without being held back by financial constraints.

During medical emergencies, a medical emergency loan proves valuable for immediate access to funds required for urgent medical care. Similarly, medical professionals and entrepreneurs benefit from medical equipment loans or medical shop loans as they facilitate the purchase of necessary equipment or the establishment of medical shops, enabling them to deliver high-quality healthcare services with proper resources.

Medical loan interest rates in India can differ based on the lender and the type of loan. It is crucial to compare rates and terms to secure the best option carefully. These loans have gained popularity in India, offering essential financial assistance for medical expenses, whether for personal healthcare or professional investments.

Eligibility and Documentation

Our medical loan application is open to all individuals who meet our five preliminary criteria. Once the eligibility is confirmed, you can process it by submitting the required documents for processing. Our medical loans cater to various needs such as medical emergencies, equipment and treatment.

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

We provide customized education loans for medical students, designed to meet their specific financial requirements. Our flexible options are available for both tuition fees and other expenses.

Our medical shop loan can offer financial support for setting up a medical shop or acquiring the necessary equipment. Furthermore, our medical loans for surgery aim to alleviate the financial strain of undergoing medical procedures.

We ensure transparency in disclosing all costs related to our medical loans, making it important to comprehend the interest rate. Our main objective is to provide competitive rates that make our medical loans easily accessible to everyone.

Interest Rate & Charges

Medical loan interest rates start at 11.99% annually, but your specific rate will depend on factors like your credit score, loan amount and work history. Additionally, there is a processing charge of up to 3% of the loan amount.

Explore our range of Medical Loans in India and find the one that best suits your needs.

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%*

We offer a range of loans designed to cater to different needs, including specialized options for medical students such as education loans and student loans. Additionally, we provide emergency loans and loans for medical treatment for urgent medical expenses. Our offerings also include medical loans for surgery, aimed at providing financial support for necessary medical procedures.

We also offer medical equipment loans and medical shop loans to assist healthcare professionals in India who are establishing or expanding their medical practices. These specialized loans are intended to support them in acquiring the essential tools and premises required to provide excellent healthcare services.

Features & Benefits

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

  • Higher Loan Amount - Expect to get a You can expect to receive a higher loan amount for medical purposes compared to other lenders. Whether you require a medical emergency loan or a medical loan for surgery, we prioritize providing you with the necessary funds.
  • Hassle-free Process - Our digital processes make getting a medical loan in India a hassle-free experience. Whether you need a medical shop loan or a medical equipment loan, you can expect a smoother and quicker process. Say goodbye to paperwork and enjoy the convenience of a digital loan application for all your medical lending needs.
  • Lower interest rates - You can benefit from lower interest rates with our competitive medical loan interest rates, which means paying less on the borrowed amount and enjoying complete peace of mind.
  • Zero collateral - Investkraft offers easy medical loans without the requirement of any collateral or security. This applies to various loans for medical students, such as student loans, education loans and other types of medical student loans.
  • Easy repayment - We offer flexible and convenient repayment options for borrowers, ensuring that they can easily manage their payments. This applies to all types of loans, including those specifically for medical treatment or any other medical-related expenses. Our goal is to provide borrowers with the utmost convenience and support throughout the repayment process.

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 Submit 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.

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