MoneyMust Product Factsheet
Generated on 9/20/2026
Verified Financial Information
www.moneymust.in
Tata Capital Medical Loan
Offered by Tata Capital
The Verdict
Longer tenure option for expensive treatments needing smaller EMIs.
Provider
Tata Capital
MoneyMust Intelligence Score
Scored across value, trust, transparency, popularity and risk using 24+ verified data points.
See full breakdownInterest Rate
11.99% - 19.5%
Processing Fee
2%
Max Tenure
72 Months
Max Amount
₹35 L
Min. Income
₹20 K
Calculated using 24+ data points including fees, settlement ratios, and user sentiment.
Intelligence Engine
Trust & Stability
Verified institutional stability. Tata Capital maintains a high Tier-1 capital ratio and positive regulatory track record.
Value Efficiency
Calculated return-on-fees ratio is in the top 15% of the loans category. Optimized for long-term growth.
Research Summary
This loan is most often researched by individuals with an income above ₹20 K/mo who prioritize comprehensive features. Research pointer: compare this with 2-3 alternatives in the same category to understand the cost-benefit trade-offs yourself.
Key Benefits & Features
72-month tenure lowers EMI
Accepts lower credit scores
Pros
- 72-month tenure lowers EMI
- Accepts lower credit scores
Cons
- Higher interest band
Plan Your Repayment
Your Inputs
Monthly EMI
Principal
₹30 L
Interest
₹32.48 L
Total interest
₹32,48,327
Total payment
₹62,48,327
Note: These calculations are indicative based on the loan parameters. Actual EMIs may vary based on specific terms and underwriting.
Detailed Eligibility & Criteria
Criterion 1
Age: 21 - 65 years
Criterion 2
Employment: Salaried with min 2 years experience or Self-Employed with 3 years IT returns
Criterion 3
Minimum Income: ₹20,000 per month
Criterion 4
Credit Score: 750+ for best interest rates
Criterion 5
Stable residence for at least 1 year
Required Documents
Important Exclusions
Fees & Finance Charges
| Particulars | Charge Amount |
|---|---|
| Interest Rate (Floating/Fixed) | 11.99% - 19.5% |
| Processing Fee | 2% (Up to 2% + GST) |
| Prepayment Charges | Up to 4.5% foreclosure |
| Processing Fee | Up to 2% + GST |
Fees and charges are subject to revision by the institution. GST at 18% is applicable on all fees and interest components as per Govt. norms.Source: Verified by MoneyMust Research Team from official bank product disclosures (Aug 2026).
Educational Disclaimer
This page is intended for informational and educational purposes only. It is not financial, investment, insurance, legal or tax advice, and it is not an offer or solicitation to buy any product. MoneyMust is an independent research platform and is not an adviser, broker, distributor or agent. Verify current terms with the institution and consult a qualified professional before making a decision.