Take quick care of medical emergencies with instant loans

‘Swasthya Dhan’

Don't Let Medical Expenses Burn A Hole Through Your Pocket
Loans for Medical Expenses

We’ll Never Let You Down. Quick and Secure Loans for Medical Emergencies

Know about Swasthya Dhan medical emergency loan criteria and documents requirement

About Swasthya DHAN

Swasthya DHAN is a health loan from Aasaan Credits for medical emergencies as well as planned treatment. Our health loan can be borrowed in case of a medical emergency like surgeries, medical procedures and general hospital bills. The loans range from Rs.50,000 to Rs.3,00,000 with a maximum tenor of 36 months. These loans are subject to the repayment potential of the patient or the guarantor in some critical cases, which is meticulously assessed and determined by our dedicated credit teams.

Medical issues can be taxing enough, but with minimum documentation procedures, easy approval and disbursal, we’ll help you get through the tough times.

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Criteria for Self-employed

  • Monthly net profit should be above ₹20000
  • Minimum age of applicant should be 21 years and maximum 52 years
  • Applicant’s CIBIL score should be above 650
  • Your business should be 1 year old

Criteria for Salaried

  • Minimum salary should be Rs. 20,000
  • Total work experience should be a minimum of 1 year
  • Minimum age of borrower should be 21 years and maximum of 52 years
  • Applicant should have a satisfactory credit score
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Documents For Self-employed

  • KYC documents of applicant and business firm
  • ITR- Financial documents of the last 2 years
  • Bank Statement for the last 6 months
  • Previous loan history if any

Documents For Salaried

  • KYC documents of applicant
  • Salary slips of the last 3 months
  • Bank Statements for the last 6 months
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Our Process

Upload education loan documents in minutes and get instant loan approval

1. Apply & Upload

Easily fill our loan application, using your desktop or mobile phone and upload your documents.
It just takes 3 minutes to
complete the process.

2. Get an Approval

Based on the details provided, you will get final approval in less than 3 hours. After approval, your application will be processed for agreement signing.

3. Get Money

Loan amount disbursal will be done on a same day if approved before 1 PM. You will get the cash in your bank account without any delay. Use the cash at your convenience.

Medical Emergency loan advantages

Below features make us better

Easy access during emergencies

Life comes first. No matter what the decease is our health loans have got you covered

Quick Approval

Hassle-free and quick process without physical verification. Just submit your doctor’s prescription

Minimum Documentation

You won’t like to arrange papers or wait for physical verification in emergency? Neither we do. Just apply, upload and get approved.

Easy Online payments

Doesn’t matter if you failed to pay your EMI on time. Online payment facility to pay EMIs without any surcharge.

Swasthya Dhan Fee & Interest Rates

Medical emergency loan rates

Interest Rates


Processing Fee


Loan tenure

3 months to 36 months

Loan Amount

₹25,000 – ₹2Lacs

Foreclosure charges

NIL for 6 months*

Installments repayment


For what medical procedures you can apply for our medical emergency loan?

IVF (In Vitro Fertilisation)

With increased success rate of IVF procedures and demands, we are providing financial support to families. Although the procedure is now available in many hospitals the cost of IVF is high. You can use our health loans in any hospital of your choice. Aasaan Credits is also in final talks with hospitals to provide interest free loans for these procedures.

Heart and other specific surgeries

Aasaan Credits has done extensive research on health market and success rates of critical surgeries in the Indian market. We have curated our product for some specific surgeries for which we are providing 100% finance.

Hair Transplant and cosmetic surgery

Avail the best hair restoration treatment or the finest cosmetic and pay on easy EMIs. Our health loan covers all these treatments at best interest rates.

Check your rate image

Fill in the details to get an estimate of your loan eligibility. This will not affect your credit score.

Frequently Asked Questions

How can I apply for loan with Aasaan Credits?

There are multiple ways to apply for loans with us. You can apply directly from our website by giving your details and documents. Our loan application engine expedites the process of disbursal when applied online. You can also request a call back through our website, our experts will help you with the application.

What types of loans can I avail from Aasaan Credits?

You can avail loans for any purpose be it a wedding, travelling, buying household goods, gifting, business, paying hospital bills, education fees etc. We have categorised all your needs into five categories i.e. Aasaan Money (Small personal loans for salaried and business people), Business PLUS (only for small and medium-size businesses), AnyTime Salary (Only for salaried professionals), Swasthya Dhan (Health Loans) and Shiksha Dhan (Education Loans)


You can get up to Rs. 10 Lacs instantly based on your income and obligations.

Is Aasaan credits Pvt Ltd a Bank or NBFC?

Aasaan Credits is a brand name of SFIPL (Shivji Finance and Investments Pvt Ltd) a Non-Banking Financial Company registered with Reserve Bank of India. All Aasaan Credits loans are issued by SFIPL.

How much time will it take to get the loan approval from Aasaan Credits?

Our processes and systems are designed to approve the applications in less than an hour. However, in some cases it can take up to 48 hours.


We don’t have any policy which controls the usage of money. It’s up to you how you want to spend it.


Your EMIs are calculated based on your loan amount and the tenor. At Aasaan Credits we calculate the EMIs on the reducing balance method where interest is calculated every month on the outstanding loan balance only and not on the whole loan amount. EMI payment every month comprises interest payable for the outstanding loan amount for the month plus principal repayment. On every EMI payment, outstanding loan amount reduces by the amount of principal repayment.

How does the loan EMI get calculated?

Loan EMI gets calculated from the universal formula on reducing basis.

Do I need to pay any processing charges to avail the loan?

There is a processing fee of 2% for availing the loan. Processing fee will be deducted from the disbursal amount. You don’t need to pay anything until the loan is disbursed.


You can choose the loan tenor for a minimum of 1 month to a maximum of 36 months.

How will I pay back my EMIs?

Before we disburse the loan amount, you sign the NACH (National Automated Clearing House ) mandate with us. Based on the mandate our bank will automatically deduct the EMI amount from your bank account on the due date every month.

What if there is a NACH bounce from my bank account?

The bank will levy certain bounce charges/penalties. In addition, it will get reported in your credit report. Depending on the severity of the default, it can have a serious impact on your future credit possibilities like home loan, car loan etc.

Can I foreclose my loan?

Yes, you can always choose to close your loan account with us.

I have not taken any loans in the past, due to this I don’t have any credit history. Will I get the loan from Aasaan Credits?

Yes, you can get the loan even if you don’t have credit history. Your credit/CIBIL scores are not the only factors we consider before deciding your borrowing capability.


We cater to a very specific loan segment with customised offerings. Due to strict policies in banks, they do multiple checks on your loan application. In fact, banks do not focus on small loans. Whereas we only target our pre-defined market and accept all the loan requests coming our way.

Would you like to speak to one of our financial advisors?

Just submit your contact details and we’ll get in touch shortly.