EMI Calculator
If you plan to pay for treatment in instalments, work out what the monthly payment would be before you commit. Enter the amount, how long you want to repay over, and the rate a lender has quoted you.
Monthly instalment
₹8,979
for 12 months
- Amount financed
- ₹1,00,000
- Interest payable
- ₹7,745
- Total you repay
- ₹1,07,745
An illustration using the figures you entered, not an offer. Your actual instalment depends on the lender's rate, processing fee and their credit check.
Ask about payment optionsThese figures come only from what you type in. We don't know your treatment cost or what any lender will offer you — ask the hospital for a written estimate and the lender for their rate, processing fee and total repayable.
Worth checking first
- • Whether your health insurance covers the procedure — that usually beats borrowing.
- • The hospital's written estimate, and what it excludes (implants, extra days, tests).
- • The lender's processing fee, and any charge for paying off the loan early.
- • The total you will repay, not just the monthly figure.
Questions about EMI
How is the EMI worked out?
With the standard reducing-balance formula lenders use: the instalment is calculated from the amount financed, the annual interest rate divided over twelve months, and the number of months. At 0% it is simply the amount divided by the number of months.
Is “no-cost EMI” really free?
Not always. Some lenders charge a processing fee, and some sellers take the interest off as a discount and add it back to the price. Ask for the total amount you will repay, in writing, before you sign.
Does this tell me what my surgery costs?
No. It only does the arithmetic on an amount you type in. For the cost itself, ask the hospital for a written estimate — our team can help you request one and check what your insurance covers.
Should I use insurance or EMI?
Check insurance first — if your policy covers the procedure and the hospital is in its network, cashless treatment usually costs you far less than borrowing. EMI is for what insurance doesn't cover.
Need the cost before the instalment?
Tell us your procedure and city and we'll help you get a written estimate.
Request Appointment