Emergency Credit

EMA — Emergency Medical Assistance

Funds disbursed within 3 hours for healthcare emergencies.

Interest rate

12% Reducing Balance

Loan size

Up to ₹75,000 per individual

Tenure

Up to 12 months

Overview

About this product

EMA tackles India's 47% out-of-pocket healthcare burden with a dedicated emergency window — funds are disbursed within 3 hours for verified medical needs.

Who it's for

Any verified TMF beneficiary household facing a medical emergency.

Key features

3-hour disbursal
Direct-to-hospital option
Insurance bundled
Family co-applicant accepted

Simple Process

How to apply

1
Emergency request via field officer / helpline
2
Hospital / prescription verification
3
Fast-track credit decision
4
Disbursal within 3 hours
5
Structured 12-month repayment

EMI Calculator

Plan your EMA — Emergency Medical Assistance EMI

Adjust the loan amount, rate and tenure to see your indicative monthly EMI and total payable.

Loan amount₹42,500

₹10,000₹75,000

Interest rate (p.a., reducing)12.0%

12%12%

Tenure (months)12 months

324

Monthly EMI

₹3,776

Total interest

₹2,813

Total payable

₹45,313

Indicative only. Final EMI depends on credit appraisal, insurance premium (1.5% borrower protection) and any applicable processing fee.