A health crisis shouldn't become a financial crisis.
Partner with Nishwik and enable your patients to convert medical bills into affordable EMIs — while your hospital receives 100% payment upfront. Better care outcomes. Zero collection risk.
Set maintenance amounts, due dates, and billing cycles for all flats from one dashboard. Auto-generate bills every month.
Core Module
📱
Member Communication
WhatsApp and SMS payment reminders, meeting notices, and digital receipts. Members always informed without the secretary doing manual work.
Automated
🧾
Digital Receipts
Instant digital receipts for every payment. Members download from their phone. No paper. Full payment history always available.
Paperless
📊
Society Finance Dashboard
Real-time view of collections, pending payments, and corpus fund status. Committee members access live data from their phone.
Real-Time
🏦
Corpus FD Tracking
Track your society's corpus fund FDs — maturity dates, interest earned, renewal alerts. All in one place alongside operations.
Finance Insight
💳
Resident EMI Access
Residents can access EMI options for large maintenance dues or special levies through Nishwik's NBFC partner network.
NBFC-Powered
Patient EMI Flow
Simple process. Immediate relief.
From bill presentation to payment — in minutes. Nishwik sits between the hospital and the patient, providing financial relief to one and payment assurance to the other.
1
Patient presents at billing desk
At discharge or before a procedure, the billing team presents the Nishwik EMI option. Patient scans a QR or gets an SMS link.
2
Patient applies in 5 minutes
Patient fills in basic details, selects EMI tenure (3–24 months), and Approval by our NBFC partner — typically within 24–48 business hours for eligible applicants
3
Hospital gets paid in full
Nishwik disburses the complete bill amount to the hospital account within 24 hours. Patient is discharged without financial anxiety.
4
Patient repays Nishwik monthly
Patient pays Nishwik in comfortable monthly instalments. Hospital has zero recovery responsibility — it's entirely Nishwik's liability.
Your hospital receives 100% of the bill within 24–48 hours. No more delayed payments, partial collections, or bad debt write-offs.
❤️
Better Patient Care
Patients who aren't worried about bills focus on recovery. EMI access means fewer premature discharges due to financial anxiety.
📈
Increase Elective Admissions
Offer EMI for elective procedures (orthopaedic, dental, cosmetic) and unlock a segment of patients who previously couldn't afford upfront payment.
📊
Billing Dashboard
Real-time view of all patient EMI applications, settlements, and billing status — integrated into your existing hospital billing flow.
🤝
Reduce Discharge Delays
Financial clearance bottlenecks cleared instantly. Patient discharge is no longer held up by inability to pay the full bill upfront.
🆓
Free for Hospitals
No setup cost. No monthly fees. No revenue share. Nishwik earns from the patient's EMI interest — hospitals pay absolutely nothing.
Hospital FAQs
Questions from hospital admins.
Nishwik covers all hospital bills including inpatient treatment, elective surgeries (orthopaedic, cardiac, cosmetic), outpatient procedures, diagnostics, maternity, ICU care, and dental. Maximum bill size covered depends on patient eligibility — typically up to ₹10 lakhs for eligible applicants. Bills as low as ₹5,000 can also be split into EMIs.
Yes. Nishwik can cover the amount not covered by insurance (co-pay or deductible). If a patient's insurance covers 80% and they owe ₹60,000 out of pocket, Nishwik can convert that ₹60,000 into monthly EMIs — bridging the insurance gap without additional stress.
Nishwik provides a billing desk widget and QR code for hospitals — no software integration required to start. For hospitals with existing HIS (Hospital Information Systems), we also offer API integration. Our hospital tech team handles the full setup during onboarding.
In cases where a patient's application is declined (typically due to very low credit data), the patient will need to pay by other means. However, Nishwik's alternate data underwriting approves a significantly higher proportion of applicants compared to traditional bank EMI products — especially for bills below ₹2 lakhs.
Minimum bill size: ₹5,000. Maximum per transaction: ₹10,00,000 for eligible applicants. For very high-value bills (e.g., complex cardiac surgery above ₹10L), Nishwik can structure a split arrangement — covering a portion via EMI while the patient or insurance covers the balance.
Before vs After
What changes when you join Nishwik.
⏱️ Without Nishwik
Patients request payment extensions informally
Hospital collects in instalments at its own risk
Bad debt provisions eat into hospital margins
Billing staff spend hours negotiating payments
No visibility on payment status per patient
Discharge delayed by payment disputes
✨ With Nishwik Hospital Platform
Patients get structured, NBFC-approved EMI plans
Hospital receives 100% of bill upfront
Zero bad debt risk — NBFC bears the credit risk
Automated reminders handle patient communication
Real-time dashboard tracks every bill and payment
Faster discharge — EMI approval in minutes
Partnership Registration
Register your hospital today.
Join 36+ hospitals already partnered with Nishwik. Our hospital success team responds within 24 hours.