Automatic Speech Recognition (ASR) is increasingly used to document clinical encounters, yet its reliability in multilingual and demographically diverse Indian healthcare contexts remains largely unknown. In this study, we conduct the first systematic audit of ASR performance on real world clinical interview data spanning Kannada, Hindi, and Indian English, comparing leading models including Indic Whisper, Whisper, Sarvam, Google speech to text, Gemma3n, Omnilingual, Vaani, and Gemini. We evaluate transcription accuracy across languages, speakers, and demographic subgroups, with a particular focus on error patterns affecting patients vs. clinicians and gender based or intersectional disparities. Our results reveal substantial variability across models and languages, with some systems performing competitively on Indian English but failing on code mixed or vernacular speech. We also uncover systematic performance gaps tied to speaker role and gender, raising concerns about equitable deployment in clinical settings. By providing a comprehensive multilingual benchmark and fairness analysis, our work highlights the need for culturally and demographically inclusive ASR development for healthcare ecosystem in India.