Impact · case files

What changes for a family

The numbers below show who is using the finance. The case files after them show what it changes, one household at a time. Each file follows a single household from the moment a birth or an illness reached it, through what the hub did, to what it cost the family in the end.

The families agreed to share their stories, their names and their photographs. The words in quotation marks are their own.

ON THIS PAGE
IN NUMBERSFY 2024-25 – JUN 2026
CASE FILE 01MUMBAI EAST
CASE FILE 02KALYAN-DOMBIVLI
More case files will be added as families agree to share them.

Who is using the finance, in numbers

FY 2024-25 TO JUNE 2026

About two in every three health loans pay for the treatment of a woman or a girl. It was 74% across the financial year 2024-25, and between 67% and 70% in every quarter since July 2025. The period is given with every figure.

FIGURE 5

Share of health loans taken for the treatment of women and girls, by financial year and quarter

FY 2024-25 is from the annual report. The quarterly figures come from the hubs’ quarterly reports, which start in July 2025.

NEW WALLET MEMBERS

97%

were women, April to June 2026

PEOPLE INSURED

63%

were women, April to June 2026, up from 59% in July to September 2025

BORROWERS

77%

were women, January to March 2026

THE BOARD

100%

of the directors are women

OUT-OF-POCKET SPENDING

47–67% less

spent on treatment by families, depending on where they were treated, FY 2024-25

HEALTH SAVINGS HELD

₹44.8 L

at 31 March 2026, of which ₹30 L is in maternity and health wallets; 642 maternity and 364 health wallets were active

WALLETS OPENED

650

in FY 2025-26, 415 maternity and 235 health, up from 403 in 2024-25

SAVED ON EACH LOAN

₹12,600

by a family on average, 2024-25, an estimated ₹90 lakh in all

        CASE FILE 01MUMBAI EAST HUB · A BIRTH
      

HEENA (RIGHT) AT HOME WITH A MEMBER OF THE HUB TEAM

Heena Imran Khan

37 · THIRD PREGNANCY · HUSBAND THE ONLY EARNER, ₹27,000 A MONTH

Heena lives in one of the most crowded settlements in Mumbai East. When she was expecting her third child, she came to the hub for a loan to pay for the delivery and the care after it.

The hub doctor advised her to register at a public hospital and to keep up her regular antenatal check-ups. Once her medical papers were in, a loan of ₹20,000 was sanctioned within a day. It covered her delivery and her post-natal care.

For her first two children, the family had borrowed at 60% a year.

“During the birth of my older two children, we had to take out a loan at 60% per annum interest, and it was very difficult to pay it back.”

“This health loan saved us from borrowing money from moneylenders.”

THE FILE
NEEDDELIVERY AND AFTER-CARE
DOCTOR’S ADVICEPUBLIC HOSPITAL, ANC
LOAN₹20,000
SANCTIONEDWITHIN A DAY

        CASE FILE 02KALYAN-DOMBIVLI HUB, ULHASNAGAR · TWO ILLNESSES IN TWO MONTHS
      

Kavita Deepak Kshirsagar

SIX IN THE HOUSEHOLD · ABOUT ₹25,000 A MONTH

October 2025. Kavita’s father-in-law, 52, had a stroke that left his left side paralysed. The hospital estimate was ₹60,000, more than two months of the family’s income. An emergency health loan of ₹30,000 was sanctioned within a day, so his treatment did not stop, and his consultations at the hub were free.

Two months later. Her husband was diagnosed at a private hospital with cancer of the tongue. The estimate was ₹8,00,000, close to three years of the family’s income.

Because she already knew the hub, Kavita went straight to the hub doctor. He was referred to a network hospital, and the family was helped to use the government schemes they were entitled to. His treatment was completed for about ₹1,00,000.

Kavita Deepak Kshirsagar hanging clothes to dry in her kitchen in Ulhasnagar

KAVITA AT HOME IN ULHASNAGAR

FIGURE 6

What her husband’s cancer treatment cost, before and after the hub doctor

“The loan for my father-in-law brought me in touch with Uplift. Because of that connection, when my husband was diagnosed, we knew where to go. It reduced our future expenses.”

THE FILE
FIRST EVENTSTROKE, OCT 2025
LOAN₹30,000, IN A DAY
SECOND EVENTCANCER, DEC 2025
BILL₹8 L → ₹1 L

What the two files have in common

01

A doctor came before the money

In both homes the first question was about care: which hospital, which scheme, which check-ups. The loan was sized after that.

02

The money came quickly

Both loans were sanctioned within a day of the papers being in. A birth or a stroke cannot wait.

03

The relationship lasted

Kavita came for a loan and came back for advice. The second visit saved her family far more than the first loan cost.

READ ON

The services behind these stories.

The doctor’s review, the navigation and the network hospitals in these two files are part of the seven services that every member can use.

PARTNER WITH SAMPADA THE HEALTH SERVICES HOW THE LENDING WORKS THE ACCOUNTS