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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.
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What is a Personal Loan for Medical Emergencies?
A personal loan for medical emergencies is 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 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.
Calculate Your Personal Loan EMI Premium
Wondering how to calculate your personal loan emi premium? We have a handy tool for it.
Our Personal Finance Products
Find a wide range of solutions for all your financing needs.
Enjoy low personal loan interest rates for affordable repayments. Choose Aditya Birla Capital Personal Loans and instantly find your loan's expected EMI.
Check your Aditya Birla Capital Personal Loan eligibility and get a collateral-free financial solution.
Features of Personal Loan for Medical Emergencies
Instant Disbursal
Get funds quickly to address urgent medical expenses.
Flexible Repayment Tenure
Choose a repayment plan that suits your financial condition.
Minimal Documentation
Fast processing with essential documents like ID proof and medical bills.
No Collateral Required
Obtain funds without pledging assets.
High Loan Amount
Avail of sufficient funds to cover various medical expenses, including surgeries and hospital bills.
Competitive Interest Rates
Get affordable interest rates to ease the repayment burden.
Pre-approved Offers
Existing customers may receive pre-approved loan offers for faster access to funds.
24/7 Online Application
Apply anytime from anywhere for instant loan approval.
Medical Emergency Loans Eligibility
Are you eligible for a medical emergency loan? Check whether you meet the criteria.
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.
How to Apply for Personal Loan for Medical Emergencies
Check Eligibility
Use the lender’s online eligibility calculator to determine your loan amount.
Fill the Application Form
Complete the online loan application with accurate personal and financial details.
Upload Required Documents
Submit ID proof, income proof, and medical bills for verification.
Loan Approval & Verification
The lender reviews your application and verifies the submitted documents.
Loan Disbursal
Upon approval, the loan amount is disbursed directly to your bank account within a few hours.
Revision of Reference Rates for determining Interest Rates on loans given
A high credit score signals reliability to lenders and can help you get lower personal loan interest rates.
High existing debt can lead to higher interest, as lenders see more risk in lending to heavily indebted borrowers.
Stable income and employment history make you eligible for personal loans with low interest rates, as lenders perceive lower risk.
Different banks and NBFCs have varying interest rate structures, so comparing offers helps identify the personal loan minimum interest rate available to you.
Larger loans or longer repayment tenures may attract slightly higher personal loan rates due to increased risk.
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
Hear from our happy customers what they have to say about their experience with us.
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
FAQs on Medical Emergency
A Medical Emergency Loan is a Personal Loan which offers instant funds for meeting medical emergencies. The loan is sanctioned without collaterals and offers affordable repayment options.
The Medical Emergency Loan covers all types of medical emergencies, including injuries, illnesses or infections.
Aditya Birla Capital processes the Medical Emergency Loan quickly and sanctions the funds as soon as possible. You can get approval on the loan within hours.
The Medical Emergency Loan requires a credit score of 750+. If your score is low, your application will be rejected. You can improve your credit score and then apply for a loan.
If you have a good credit score and you add a co-applicant to the loan, you can secure a higher amount in a Medical Emergency Loan.
You can take the Medical Emergency Loan for any family member’s medical needs. You will be the applicant, and funds will be sanctioned to your bank account. You can use the sanctioned funds to pay your parents' medical bills.
You should have a steady income from a job or business to apply for a Medical Emergency Loan.
A personal loan can be used for medical emergencies to cover the cost of ongoing medical treatments or chronic conditions. It is multipurpose and can be used for any financial need.
The loan is multipurpose and can cover any type of financial requirement. Thus, it will cover the cost of pharmacy and diagnostic tests.
If you have a good credit score and negotiate with the lender, you can reduce the medical emergency loan interest rate.
You can take an emergency loan in India online or offline through Aditya Birla Capital. However, you should fulfil the eligibility criteria to get the funds sanctioned.
Aditya Birla Capital Medical Emergency Loan has no minimum monthly income criterion. You should have a steady source of income to qualify for the loan among other parameters.
Your eligibility parameters will determine the maximum loan amount. You can use the eligibility calculator to find this amount.
You can get a personal loan for a medical emergency even when you have a health insurance plan. In fact, the loan can cover the medical costs your health insurance plan doesn’t cover and help alleviate your financial strain.
You can apply for an emergency loan in the following ways -
• Online - Apply through the website or mobile application of Aditya Birla Capital
• Offline - Visit the branch of Aditya Birla Capital and apply for the loan offline
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.