"Arogya Finance is the Brand name of Ramtirth Leasing and Finance Company Pvt. Ltd. an NBFC registered with Reserve Bank of India under RBI Registration No.: 13.01234"

+91 9769205032

Every Indian deserves quality healthcare; Arogya Finance provides pre-approved medical loans to meet your family's medical needs.

A medical loan of upto Rs 3 lakhs can be pre-approved & treatment can be availed at any hospital, upto 75% of the medical bill can be covered.

Arogya Finance has partnered with hospitals and other healthcare providers to bring path breaking offers to you and your family.

Our approach does not require collateral or income proof, it is accessible, timely and flexible! Arogya's unique proprietary approach ensures that loans can be sanctioned in a matter of hours.

Flat 20% OFF!

An Exclusive offer for Arogya Card Holders!

To receive this special discount on prescription medicines, visit www.netmeds.com website and add medicines to the shopping cart. Next, at the shopping cart page, the unique coupon code must be applied, so that a flat 20% will be automatically deducted from the total order value, and then complete the purchase.

Exclusive Discounts at Apollo Pharmacy

Avail benefits of Arogya Card at over 2400 Apollo Pharmacy all across India!

15% off on Apollo Private Labeled products like Skin Care, Cosmetics, Baby Care, First-aid Kit, General Items, etc. 10% off on Pharmacy (Medicines) 5% discount on FMCG like Health Drinks (Boost, Bournvita, Horlicks) Soaps, Shampoos, etc.

“Medical Loans”

• A medical loan of upto ₹5 lakhs can be availed

• A patient is diagnosed and is recommended treatment

• If patient or family cannot pay for treatment, they are referred to Arogya

• A rapid screening process done to determine candidate’s credit worthiness

• Decision is made and conveyed within 3 to 72 hours

• If approved, Arogya pays the hospital directly

• Borrower repays over time as with any loan

“Arogya Card”

• A medical loan of upto ₹3 lakhs can be pre-approved

• Treatment can be availed at any hospital

• Upto 75% of medical bill can be covered

• Arogya interviews potential borrowers to determine loan amount

• Approved individuals are given a personalized card and a sanction letter mentioning loan details

• When need arises, borrower calls Arogya and we pay the hospital directly

• Benefits of the card can also be enjoyed by card holder’s family members

• Card processing fee of Rs 1000 only for a family of 5 members

About Arogya

Arogya Finance, co-founded by Mr. Jose Peter and Mr. Dheeraj Batra, is a social healthcare venture, which offers medical loans to the traditionally
un-bankable, using innovative risk assessment tools that allows them to finance people outside the formal banking system. Patients borrow from and repay Arogya Finance directly leaving them free to get treated wherever they choose to do so.
We have been recognized as one of India’s most exciting social innovations by:

Innovations in healthcare; a Washington DC based organisation, co-founded by Duke Medicine , Mckinsey and Company and the World Economic Forum

Social Entrepreneurship Accelerator at Duke (SEAD), an initiative of the Duke University

Artha Venture Challenge

IDEX Accelerator


Doctor Testimonials

Bariatric Surgery is a high end surgery with major costs involved in the same. It has been seen that majority of the patients who 'do not' undergo Bariatric Surgery is not because they cannot afford the surgery, but because they cannot spend the amount 'at once'. In India, another concern is Insurance nonsupporting the cause of obese patients.

To rescue of many, certain Finance companies have come forth to support the obese patients supporting their cause of getting operated for Bariatric Surgery (Weight Loss Surgery).

Arogya Finance has been a front runner in working out a model wherein patient pays only 50% amount of the surgery during admission and the remaining has to be paid in installments.

Our Belief

Every Indian deserves quality healthcare

Hospital Network

Treatment can be availed at any hospital of your choice

Walk into any of our esteemed hospital partners and avail quality healthcare and special interest rates.

Company information

Corporate Office

102,Meadows, Sahar Plaza,
Andheri-Kurla Road, J.B. Nagar,Andheri (East) Mumbai – 400 059

Registered Office

31, Mystique, Plot No. 129, St. Cyril Road, Off Turner Road, Bandra(W), Mumbai - 400 050

CIN: U65910MH1995PTC089442
RBI Registration NO: 13.01234

Contact details

E-mail address:

Tel: 022 2839 2488
Hotline No: +91 976 920 5032