CarePal Money, India’s first integrated healthcare lending marketplace and a subsidiary of CarePal Group, has crossed an annualised disbursement run rate of ₹150 crore, scaling 50 per cent from its ₹100 crore achieved just months ago.
The growth underscores the accelerating demand for structured healthcare financing. CarePal Money enables patients to finance treatments through no-cost and low-cost EMI loans, from minor procedures to high-value cases exceeding ₹25 lakh for cancer care and organ transplants.
For hospitals, this translates into improved elective treatment conversions, faster discharges and significantly fewer cases of patients leaving mid-treatment due to financial constraints. CarePal also offer a reimbursement financing service that allows hospitals to extend short term loans to patients whose insurance provider is not empanelled with the hospital, this reduces the monetary burden on the customer while they wait for the reimbursement from the insurance provider.
With multiple lender integrations, CarePal Money continues to offer one of the highest approval rates in the industry and ability to fund complex, high-cost treatments often overlooked by traditional NBFCs.
Medical Management leads the disease mix at 33 per cent of loans disbursed over the past 2.5 years, followed by Cardiology at 15 per cent and Neurology at 14 per cent, collectively representing over 60 per cent of all disbursements. High-value specialties such as oncology, nephrology, pulmonology, and liver surgery continue to constitute a growing share.
Piyush Jain, Co-Founder & CEO, CarePal Group said reaching ₹150 crore in annualised disbursements is a strong validation of the model that works for patients, hospitals and lenders alike.
In India, with over 40 per cent of healthcare costs are still paid out-of-pocket, the company remains committed to scaling to over ₹2,000 crore annual disbursements in the next five years, he added.
Sahil Lakshmanan, CEO, CarePal Money said the company’s zero interest model removes one of the biggest cost barriers.
Patients receive timely treatment, hospitals improve retention and reduce revenue leakage and lenders get access to a high-quality, underserved borrower segment, he added.
Published on June 6, 2026
