FAQ
Questions, answered.
Short answers about our loans, how to apply, and how to reach us.
01 For patients
What is patient finance?
A loan that pays your hospital bill directly, so treatment starts without an upfront payment. We also handle the insurance claim on your behalf, and you repay the balance on the terms of your loan agreement.
Do I have to pay anything at the admission desk?
No. Once your patient finance loan is approved, we settle the bill with the hospital, so the admission is not held up by the payment.
Who takes care of my insurance claim?
We do. We submit the claim to your insurer and follow it through to settlement, and you can ask us for its status at any step.
Can I spread my health insurance premium?
Yes, with premium finance. We fund 50% to 85% of the premium and you pay the rest upfront; the balance is repaid in 3, 6, 9 or 12 monthly instalments collected by e-NACH.
02 For hospitals
How does claims finance help a hospital?
Insurers can take 45 to 60 days to pay for cashless treatment. We advance the invoice amount as soon as the hospital raises it with the insurer, and recover it when the insurer settles.
Does claims finance need collateral?
No. We take no collateral against the invoices, and the paperwork is kept to the bare minimum.
How can our hospital offer patient finance at the desk?
Partner with us and your patients can apply at admission. Call 022 6715 4321 or write to compliance@tcfpl.co.in to start the conversation.
03 General
What is TCFPL?
Thar Commercial Finance Pvt. Ltd. (TCFPL) is a Non-Banking Financial Company registered with the Reserve Bank of India and part of the Thar Group. All our loans are made by this company.
What loans does TCFPL offer?
Six: patient finance, claims finance for hospitals, health insurance premium finance, business loans, personal loans for salaried individuals, and construction finance for builders and developers.
How do I apply for a loan?
Patient finance can be applied for online through the Apply button. For every other loan, call us on 022 6715 4321 or email compliance@tcfpl.co.in and we will take you through it.
How is TCFPL different?
We lend with a human, customer-focused approach: products shaped to what you need, light documentation, no mandatory branch visits, and technology that keeps the process quick.
Can I speak to someone directly?
Yes. Call 022 6715 4321 or email compliance@tcfpl.co.in. For a complaint, see our grievance redressal page.
Still have a question?
Call 022 6715 4321 or write to compliance@tcfpl.co.in.