Maternity Costs Can Be Scary – Here’s How to Manage Them
4–6 minutes
“Is ₹50,000 enough to cover your delivery bill?”
“Most corporate policies limit maternity coverage to Rs 50,000 per policy. However, the cost can vary between Rs 50,000 and Rs 3 lakh, depending on the city and whether the delivery is a C-section one. This is prompting many young people to buy maternity cover,” said Amit Chhabra, PolicyBazaar’s chief business officer (health). [Times of India]
Pregnancy is a journey that should be filled with love, but it also comes with financial realities we sometimes are not prepared for. Many women still rely on their savings, their partner’s support, or borrowing from family. But what if you had a choice?
A personal loan just for your maternity needs—easy, fast, and flexible. Wouldn’t that make things smoother?
In this blog, we’ll talk about how personal loans from WeCredit can help you make your pregnancy more peaceful and financially secure.
Why Maternity Needs a Financial Plan – Not Just Baby Plans
Pregnancy isn’t just about nine months. It’s hospital checkups, lab tests, medicines, special diets, delivery costs, and postnatal care.
Here’s a basic breakdown for an urban maternity journey:
- Monthly check-ups: ₹1,000 to ₹2,500 per visit
- Ultrasounds and tests: ₹20,000 total
- Delivery charges (normal/C-section): ₹50,000–₹200,000
- Newborn essentials: ₹30,000 and more
And these are only the basics. Any complication or medical need can double these costs.
These are estimated figures—actual expenses may vary based on location, hospital type (i.e., private or government), and individual medical needs.
Also Read: Gold Loan Vs Personal Loan: Which One Is Better?
Why Personal Loans Make More Sense Than Credit Cards or EMI Traps
Many women use credit cards or BNPL apps to handle maternity costs because savings don’t always cover everything—from scans to hospital bills, every swipe feels like buying time and peace of mind.
But there’s a catch:
- Credit cards charge 36% interest per year on pending balances
- Delayed EMIs affect your credit score
- Borrowing from friends/family can get awkward
A personal loan, on the other hand, is designed for your needs:
- Fixed EMI = No surprise payments
- Lower interest = Peace of mind
- Zero collateral = No property or savings at risk
- Flexible tenure = Choose what fits your budget
If you’re salaried or self-employed, chances are you already qualify.
Also Read: Delhi to Ranthambore: Your First Ride to Freedom
How Much Maternity Care Loan Should You Take?
First, always start by saying, “What kind of care do I wish for my baby and me?”
It’s not where you give birth—it’s how safe, supported, and comfortable you can remain in the process. Do you need to have a trusted gynaecologist in a private hospital? A cozy, homey arrangement with one-to-one care? Or access to top medical facilities in case something unplanned happens?
Your decisions define your experience—physically, emotionally, and financially. After getting clear on what matters most, structure your budget around it. A warm, home-like setup with personalised attention? Or access to advanced medical care in case something unexpected comes up?
Your choices shape your experience—physically, emotionally, and financially. Once you’re clear on what matters most, build your budget around it.
Here’s a simple planning guide:
| Expense Type | Estimated Cost |
| Routine Check-ups | ₹15,000 – ₹30,000 |
| Delivery (Normal/C-sec) | ₹50,000 – ₹2,00,000 |
| Medicines & Supplements | ₹10,000–₹20,000 |
| Baby Essentials | ₹30,000–₹50,000 |
| Emergency buffer | ₹20,000–₹40,000 |
| Total | ₹1,25,000 – ₹3,40,000 |
A personal loan of ₹1 lakh to ₹3.5 lakh usually covers all of this with ease.
Steps to Get a Personal Loan for Maternity Care
No need to stress or overthink it. Just take one step at a time—start with what you can control and build from there.
1. Know Your Need:
Decide how much you’ll need based on hospital choice and expected costs.
2. Check Eligibility:
If you’re a salaried employee (₹15,000+ per month) or a self-employed professional with income proof, you’re good to go.
3. Keep Documents Ready:
- PAN Card
- Aadhaar Card
- Salary Slips or Bank Statements
- Address proof
4. Choose the Right Partner:
Apply through a loan aggregator like WeCredit, which connects you with trusted banks and NBFCs.
5. Apply Online, Relax Offline:
No paperwork, no branch visits. Just apply, get approval in hours, and receive the amount in your account. Done.
Still Unsure? Here’s What Other Mothers Did
A recent survey found that 1 in 3 urban mothers took a loan to manage pregnancy and delivery costs. Nearly 89% said it helped them feel less stressed. They could focus on their health and their baby—without money worries in the way.
Maternity care isn’t cheap. Even with a plan, the bills can grow fast. Check-ups. Scans. Medicines. Delivery. Baby needs. It all adds up.
A loan doesn’t just fill the gaps. It gives you room to breathe. To choose the care you want. To stay prepared if things don’t go as planned.
If money feels tight, you’re not alone. And you’re not stuck. You have options.
Pregnancy Is Precious. Money Shouldn’t Be a Stress
Every woman deserves the right care. The right hospital. The right peace of mind.
But in real life, choices often come down to what you can afford today—not what you truly want. Costs rise fast. Appointments, tests, delivery bills—they don’t wait for your bank balance.
Don’t let cash flow ruin your choices.
A personal loan isn’t a burden. It’s a tool. It helps you hold on to your plans when life gets unpredictable. It keeps the focus where it should be—on you and your baby.
So, when you’re busy planning your baby names, also plan your budget. Let love lead the way. Let your money follow with intention.
WeCredit – Making Motherhood Financially Empowered
At WeCredit, we believe motherhood should be a joy, not a financial burden. We help you access personal loans quickly, safely, and without stress.
Whether it’s delivery bills, baby needs, or health emergencies—we’re here to support your motherhood journey.
So why wait?
Be ready. Be confident. Be financially empowered.
Take control today—with WeCredit by your side.
