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Aditya Birla Capital LimitedAditya Birla Capital Limited (“ABCL”) is a listed systemically important nondeposit taking Non-Banking Financial Company (NBFC) and the holding
company of the financial services businesses. ABCL and its subsidiaries/JVs provides a comprehensive suite of financial solutions across Loans,
Investments, Insurance, and Payments to serve the diverse needs of customers across their lifecycles. Powered by over 68,400 employees, the businesses of ABCL have a nationwide reach with over 1,740 branches and more than 200,000 agents/channel partners along with several bank partners.
Nationwide Branches
1,740
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68,400
Agents/Channel Partners
2,00,000+
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INR 5.91 Lakh Cr
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What is a Personal Loan for Medical Emergencies?
A personal loan for medical emergencies is a medical loan designed to provide quick financial assistance during urgent healthcare needs. It helps cover expenses, such as hospitalisation costs, surgery, diagnostic tests, medicines, and post-treatment care. These loans come with fast approval, minimal documentation, and flexible repayment options, ensuring that you receive immediate financial support without added stress.
Unlike health insurance, which may not cover all medical expenses, a personal loan from Aditya Birla Capital bridges the financial gap when unexpected medical situations arise. Borrowers can avail of competitive interest rates with repayment options that suit their financial condition, making it an ideal solution for medical emergencies requiring urgent funding.
Our Personal Finance Products
Get quick personal loans for any emergency. Enjoy a digital application and sanctioning process that delivers funds within minutes.
Get a flexible repayment solution with interest payable only on the amount that you utilise. Save on the interest outgo and get quick funds.
Enjoy affordable repayments and a flexible tenure with Aditya Birla Capital
Get all your EMI payments under one roof at an affordable monthly payment system.
Get quick access to funds to meet your urgent needs
Features of Personal Loan for Medical Emergencies
Instant Disbursal
Get instant medical loan whenever you need it. Once you get your loan sanctioned, your loan for medical treatment will be disbursed immediately to take care of your medical emergencies without delay.
Flexible Repayment Tenure
Opt for a flexible repayment period which suits your financial capacity. With flexible EMI options, repayment of your loan becomes quite easier.
Minimal Documentation
Enjoy a hassle-free and minimal documentation loan application process. Reduced paperwork helps you get your loan sanctioned quickly so that you can focus on your treatment.
No Collateral Required
Access the funds you need without pledging any asset as security. A medical emergency loan is unsecured, allowing you to borrow with greater peace of mind.
High Loan Amount
Solve your high medical expenditure problem with a higher loan amount that meets your medical expenses, subject to your eligibility criteria.
Competitive Interest Rates
Get the benefits of competitive interest rates and enjoy affordable EMIs for repaying your loan amount.
Pre-approved Offers
Pre-approved loan offers will be extended to eligible customers for quick approval of loans. This will help in getting approval quickly and also get quick access to emergency money.
24/7 Online Application
Apply for a medical emergency loan anytime, from anywhere. The fully digital application process lets you submit your request conveniently without visiting a branch.
Medical Emergency Loans Eligibility
Eligibility Criteria for Personal Loan for Medical Emergencies
- Age Applicants must be between 21 and 60 years old.
- Employment Type Available for salaried, self-employed, and professionals (e.g., doctors, freelancers).
- Minimum Income Salaried individuals must have a minimum monthly salary as per lender guidelines.
- Credit Score A good credit score (typically 650 and above) is required for favourable loan terms.
-
Work Experience
Salaried employees - minimum work experience of 1 year.
Self-employed individuals - at least 2 years of business continuity. - Medical Emergency Proof Hospital bills, doctor’s prescriptions, or medical reports may be required.
Documents Required for Personal Loan for Medical Emergencies
- Identity Proof Aadhaar Card, PAN Card, Passport, or Voter ID.
- Address Proof Utility bill, rental agreement, or Aadhaar Card.
- Income Proof Salary slips for salaried individuals; bank statements and ITR for self-employed applicants.
- Medical Proof Hospital bills, medical prescriptions, or doctor’s reports (if applicable).
- Employment Proof Appointment letter, employee ID for salaried individuals, and business registration proof for self-employed individuals.
- Bank Statements Last 3–6 months’ bank account statements.
Types of Personal Loan in India
How to Apply for a Medical Emergencies
Check Your Eligibility
Visit the Aditya Birla Capital website or use the Aditya Birla Capital App to check your eligibility for a Medical Emergency Loan. Use the personal loan eligibility calculator to review the loan amount you may qualify for based on your income and repayment capacity.
Complete the Online Application
Fill out the Medical Emergency Loan application form by providing accurate personal, employment, and financial details on the Aditya Birla Capital website or app.
Upload the Required Documents
Submit the necessary personal loan documents, including identity proof, address proof, income proof, bank statements, etc. for verification.
Verification and Loan Approval
The Aditya Birla Capital team verifies your application details and supporting documents. Once the verification process is complete and you meet the eligibility criteria, your loan application is approved.
Receive Instant Loan Disbursal
After approval, the Medical Emergency Loan amount is disbursed directly to your registered bank account, helping you meet urgent medical expenses without delay.
Fees and Charges for Medical Emergency Loans
| Charge Type | Amount |
|---|---|
| Processing fees | Up to 4% of the loan sanctioned amount |
| Cheque Return charges | ₹1000 + GST per instance |
| Penal charges (charges levied for non-payment of overdue amount) | 3% p.m. (36% p.a.) on the overdue amount for the delayed period |
| Penal charges for non-compliance with material terms and conditions (covenants / stipulated conditions) mentioned in the Sanction Letter / Loan Agreement, wherever applicable | 2% p.a. on the outstanding loan amount till the date of compliance |
| Charges for cancellation of Loan |
4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | Rs. 50 per instance for Consumer and Rs. 500 per instance for commercial CIBIL/Credit Report |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan re – schedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual if applicable |
| Pre – closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual if applicable |
| Duplicate No Due Certificate issuance charges | Rs. 500 per instance |
| Foreclosure Charges |
For Term Loan:
Upto 4% of the principal outstanding amount For Flexi Loan: Upto 4% of the total withdrawable amount Conditions: Foreclosure is allowed only after 12 months from the date of disbursal of loan. |
| Part Pre-payment charges |
For Term Loan:
a) NIL charges – if part pre-payment is equal to 20% of principal outstanding amount b) Upto 4% on remaining loan amount – if part pre-payment is greater than 20% of principal outstanding amount Conditions: a) No pre-payment is allowed in first 12 months from the date of disbursement b) Part pre-payment amount should be equal to OR greater than total of 3 EMIs For Flexi Loan: a) No charges for payments through mobile app/portal. b) Part pre-payment of loan facility toward limit reduction is not available |
Customer Satisfaction Stories
Mr. Hiralkumar Ashokbhai Patel
Aditya Birla Finance Customer
Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.
Aditya Birla Housing Finance Customer
Hyderabad, India
Mr. Pramod Kumar Saini
Aditya Birla Finance Customer
I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.
Aditya Birla Housing Finance Customer
Belapur, India
Instant Personal Loan INSTANT PERSONAL LOAN SHORT TERM PERSONAL LOAN LONG TERM PERSONAL LOAN
Balance Transfer
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Reduced Interest Rates -
Lower Monthly Payments
Top-Up
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Comprehensive coverage
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Affordable with low premiums
ABC Of Personal Loans
*The interest rate constitute the rack rate for all customers. Actual interest rate for any customer and will be as communicated at the time of loan sanction and disbursal. It will be subject to changes from time to time and is at sole discretion of ABHFL.
**ABHFL reserves the rights to call upon additional documents at its discretion. The documents will be collected by ABHFL.