LASIK on EMI: Best Financing Options in India 2026

How Much Does LASIK Cost on EMI?

Sample monthly EMIs for both eyes (no down payment, 0% interest):

• Standard Femto LASIK (₹60,000 total): ₹5,000/month for 12 months
• Contoura Vision (₹1,40,000 total): ₹11,667/month for 12 months
• Contoura Vision (₹1,40,000 total): ₹7,778/month for 18 months
• ReLEx SMILE (₹1,80,000 total): ₹10,000/month for 18 months
• Premium SMILE/InnovEyes (₹2,40,000 total): ₹10,000/month for 24 months (low interest)

For most working professionals, this is more affordable than annual contact lens + cleaning solution + replacement glasses costs combined.

Major EMI Partners Used by Indian LASIK Centres

Bajaj Finserv Health EMI Card: - 0% interest for 6, 9, 12 months - Loan amounts up to ₹4 lakh - Instant approval with PAN + Aadhaar - Available at most major LASIK chains

HDFC Bank Reserved EMI: - 0% on most credit cards - 6-24 month options - Higher loan limits for premium card holders

ZestMoney (now closed; replaced by Tata Capital, Aditya Birla Finance): - Salaried + self-employed eligible - App-based instant approval

KreditBee, MoneyTap, Paytm Postpaid: - For smaller amounts (under ₹1 lakh) - Faster approvals, may have small fees

Hospital in-house EMI: - Some chains offer direct EMI without third-party financing - Often more flexible negotiation

What You Need to Apply

Standard documents:

• PAN Card
• Aadhaar Card
• Latest 3 months salary slips (salaried) OR 1 year ITR (self-employed)
• 3 months bank statements
• Active credit/debit card or savings account
• Mobile number linked to Aadhaar

Approval is usually instant (5-15 minutes) for amounts up to ₹2 lakh, slightly longer for higher amounts.

Tips to Get the Best Deal

• Ask about 0% EMI explicitly — some centres only offer it on request
• Negotiate the procedure price first, then discuss EMI separately
• Check processing fees — true 'no cost' EMI has no processing fee
• Avoid 24+ month plans unless absolutely needed — usually carry interest
• Use credit card EMI if you have a HDFC/ICICI/Axis card with cashback rewards
• Compare 2-3 LASIK centres before deciding — pricing and EMI terms vary

Tax Benefits on LASIK Surgery

• Section 80D (Health expenses): LASIK can be claimed under preventive health checkup expenses up to ₹5,000 per year for self/family
• Section 80DDB (Specific diseases): If LASIK is medically prescribed for a documented condition, partial deduction may apply
• GST: Medical procedures including LASIK are GST-exempt — there should be NO GST on the procedure cost
• Insurance: Some corporate group policies cover LASIK for high prescriptions — check before paying

Consult your CA for specific tax benefit advice.