LASIK on EMI: Best Financing Options in India 2026
Procedures like Contoura Vision or ReLEx SMILE can cost ₹1.5-2.5 lakh for both eyes — a major lump-sum expense. Many LASIK centres in India offer EMI plans that spread this cost over several months. Here's how it works.
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
- SMILE/InnovEyes (₹2,40,000 total): ₹10,000/month for 24 months (low interest)
Actual EMI amounts depend on the lender, tenure and any processing fees.
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 - Loan limits depend on your card
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 for Comparing EMI Plans
- 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
- Check credit card EMI terms if you have a HDFC/ICICI/Axis card
- Compare 2-3 LASIK centres before deciding — pricing and EMI terms vary
GST and Insurance
- 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
Key Takeaway
Cost is a common reason people postpone LASIK. EMI can spread the expense, but financing should never be the reason to choose surgery. First confirm that LASIK is medically suitable for your eyes, then compare the total payable amount, tenure and fees across lenders before signing.
This article was prepared with the help of AI writing tools and edited by our team. It is general information, not medical advice. Whether a procedure suits you can only be decided by an ophthalmologist after a full eye examination.
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