Get Instant Personal Loan for Medical up to ₹20 lakh

Enjoy attractive interest rates starting at 9.9% p.a. with flexible EMI options

What is a Medical Loan?

Medical emergencies come unannounced and can be financially draining if you don’t have the necessary funds for immediate hospitalisation, treatment, etc. In such a situation, a personal loan for a medical emergency can come in handy.

Navi offers medical loans or personal loans for medical emergencies that can help you cover your medical expenses. With a Navi Personal Loan, you can tackle such unforeseen situations without having to let go of your savings or assets.

Features and Benefits of a Medical Loan

Features and Benefits of a Medical Loan

Apply via the Navi app and get your loan disbursed directly to your account within minutes
Get medical loans up to ₹20 Lakh and pay your medical bills stress-free
Enjoy competitive interest rates starting from 9.9% p.a.
No lengthy paperwork or physical interaction required. Just download the Navi app and apply
Enjoy repayment tenure of up to 72 months. Repay at your convenience
Only your PAN details would suffice

How to Apply for a Medical Loan with Navi?

Download the Navi App from Play Store or App Store
Enter a few basic details like name, address, PAN, etc., to check your eligibility
Enter the loan amount and tenure
Our representative will call you. Complete your V-KYC with PAN
Enter bank details and set-up auto pay. Get instant money in your bank account

How to Apply for a Medical Loan with Navi?

How To Apply

Eligibility Criteria and Documents Required

Indian Resident 18-65 years of age

PAN Card Holder

Salaried or Self-Employed

Aadhaar Card Holder

Medical Loan Interest Rates in India

Navi offers personal loans for medical treatment at attractive interest rates starting from 9.9% p.a. However, the final interest rate offered depends on your eligibility.
Interest Rate9.90% p.a. onwards
Processing FeeUp to ₹7,500
Loan AmountUp to ₹20 lakh
Loan Prepayment FeeNil
Loan TenureFrom 3 to 72 months

How to Calculate EMI on Personal Loan for Medical?

Your medical loan or personal loan for medical treatment EMI depends primarily on three factors – loan amount, loan tenure and interest rate. The mathematical formula to calculate EMI is as follows:

EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

However, calculating EMI manually can be tedious and time-consuming. As an alternative, you can use the Navi Medical Loan EMI calculator to check your monthly repayment obligations. The process to use this calculator is extremely simple. All you need to do is select the loan amount, tenure and interest rate, and you shall be able to view the EMI amount.

Personal Loan Calculator

Loan Amount

Rate of Interest (P.a)


Loan Tenure (Months)


Monthly EMI


Total Interest

Total Amount

Why Choose Navi Personal Loan to Buy a Mobile Phone?

Loan up to ₹20 lakh

Is cash shortage stopping you from accessing quality healthcare? Don’t worry, we have you covered. Get instant personal loans up to ₹20 Lakh with Navi and conveniently pay off hefty medical bills.

Quick and fast process

No lengthy paperwork or heavy documentation required. Just download the Navi app from Play Store or App Store and apply for the loan you need. The entire loan journey - from application to disbursal - hardly takes a few minutes.

No hidden charges

Completely transparent app-based process with no hidden charges.

Trusted by Millions of Users

1 M+
App Downloads
1 L+
Loan Sanctioned
1 Cr+
Loan amount disbursed
1 L+
Active Loans

What our customers say about us

Frequently asked questions

You can for sure. All you need to do is download the Navi app and apply for the loan amount of your choice. It hardly takes a few minutes to get a loan with Navi.
Having a good credit score makes it easier to get a loan. Also, with an above-average credit score, you may get a loan under favourable terms. Similarly, a poor credit score could lead to loan application rejection.
Having a good credit score can help you get better deals on your medical loan. If you have a low CIBIL score and want to improve it, read our blog to know how to improve your credit score, effectively.
You can repay your loan in easy EMIs (Equated Monthly Instalments. You can use our personal loan EMI calculator to view your monthly repayment obligations.
A medical loan is a personal loan. You can use the loan amount for any financial requirement. Also, you don’t need to pledge collateral or a guarantor to apply for the loan.


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