- Prospective borrowers can use the personal loan for wedding to meet various wedding-related financial requirements, such as, venue booking, decor, catering, buying outfits and jewellery, photography, video, etc.
- Lenders usually offer personal loans for wedding at competitive interest rates and flexible repayment tenure depending on the credit profile of the applicants.
- Individuals can also apply for personal loan through Paisabazaar with end-to-end digital processing, quick approval and faster disbursal.
Marriage Loan
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How to Use a Personal Loan for Wedding
Find Best Personal Loan Offers
HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto ₹25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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Best Banks for Marriage Loan in India 2026
Almost all lenders offer marriage loans to the applicants to meet their wedding-related financial requirements. Lenders who do not offer marriage loan as a separate product, offer regular personal loans that can be used for wedding purposes. Most NBFCs and fintech lenders also offer personal loans for marriage with completely digital processing and quick loan disbursal.
Marriage Loan Interest Rate - All Lenders Compared
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Finance | 10.99 onwards | Up to 4% |
| Axis Bank | 9.99 onwards* | Up to 2% |
| Bank of Baroda | 10.15-18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-30.00 | Up to 3.93% |
| Bank of India | 10.85-16.15 | Up to 1% (Min. Rs. 250; Max. Rs. 15,000) |
| Bank of Maharashtra | 8.75-13.55 | Up to 1% (Max. Rs. 10,000) |
| Canara Bank | 9.70-15.15 | Up to 0.5% (Max. Rs. 5000) |
| Central Bank of India | 9.85-11.65 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 12.00 - 22.50* | Up to 2% |
| HDB Financial Services | 10.00 - 35.00 | Up to 5.90% |
| HDFC Bank | 9.99 onwards | Up to Rs 6,500 |
| Hero Fincorp | Up to 30* | 2.3% - 3% |
| HSBC Bank | 9.75 onwards | Up to 2% |
| ICICI Bank | 9.99 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 2% |
| IIFL Finance | 12.00 - 28.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 onwards | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% |
| Kotak Mahindra Bank | 9.98 onwards* | Up to 5% |
| L&T Finance | 11.00 onwards | Up to 3% |
| Mahindra Finance | 8.00 - 25.00 | 2% of loan amount or Rs. 5,000, whichever is lower |
| Mannapuram Finance | 18.00 - 24.00 | 1% of loan amount |
| Moneyview | 14.00 onwards | 2% onwards |
| Muthoot Finance | 13.50 onwards | Varies for each application |
| Piramal Finance | 12.14 onwards | Up to 5% |
| Poonawalla Fincorp | 9.99 onwards | Up to 3% |
| Punjab & Sind Bank | 9.60-13.85 | 0.50% - 1% |
| Punjab National Bank | 10.25-16.80 | Up to 1% |
| Shriram Finance | 11.00 onwards | Up to 5% |
| Tata Capital | 10.99 onwards | Up to 3.5% |
| UCO Bank | 9.95 - 13.20 | Up to 1% (Min. Rs. 750) |
| Union Bank of India | 8.75 - 12.55 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 23rd June 2026
How Much Marriage Loan Can You Get?
The maximum loan amount offered to a marriage loan applicant would primarily depend on the applicant’s repayment capacity, subject to the upper limits set by the lender. When determining the maximum eligible loan amount, some lenders use the following methods:
Also Check: How Much Personal Loan Can I Get on My Salary?
EMI Calculator for Wedding Loan
Prospective borrowers should use the Personal Loan EMI Calculator by Paisabazaar to calculate the EMI and total interest cost payable throughout the loan tenure. It allows applicants to assess the loan affordability even before the loan application and make informed decisions. The calculator comes with the following features:
Marriage Loan Eligibility
Lenders usually set their eligiblity criteria on the basis of age, employment profile, credit score score, monthly income, etc. of the applicants. Below-mentioned are the eligibility requirements of the applicants planning to avail marriage loans.
| Particulars | Eligibility |
|---|---|
| Age | 18-60 years (salaried) and 21-65 years (self-employed) |
| Employment Profile | Salaried and Self-employed |
| Minimum income | Rs 15,000 per month (salaried), Rs 5 lakh per year (self-employed) |
| Credit Score | 760 and above (preferably) |
| Work Experience | Minimum 1 year (salaried), Minimum 3 years (self-employed) |
Marriage Loan vs Gold Loan for Wedding - Which is Better?
| Marriage Loan | Gold Loan |
|---|---|
| Higher interest rates | Comparatively lower interest rates |
| Collateral-free loans | Loans backed by gold as collateral |
| Longer tenure | Shorter tenure |
| Risk free due to no collateral | Risk of losing the collateral |
| Approval and disbursement slower as compared to gold loan | Quick approval and faster disbursal |
| Loan amount offered up to Rs. 50 lakh | Loans offered up to 75% of the gold value. |
Top Banks Provide Marriage Loan
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FAQs
What is the interest rate for marriage loan in India?
The interest rate for marriage loan depends on the credit profile of the applicants.
How much marriage loan can I get?
The lender calculates your loan amount by EMI/NMI ratio or by multipliers method. Use the Paisabazaar’s Personal Loan Eligibility Calculator to know the actual amount you can borrow depending on your profile.
Which bank gives best marriage loan in 2026?
Kotak Mahindra Bank offers best interest rates on marriage loans starting from 9.98% p.a.
Can I get marriage loan without income proof?
Almost all lenders require you to furnish your proof of income without which your loan approval can get delayed or rejected outrightly.
What documents are needed for marriage loan?
The applicants need to submit their ID proof, address proof, income proof, bank statements and ITRs during loan application.
Is marriage loan better than gold loan for wedding?
Gold loan is offered at lower interest rates as compared to marriage loans and are usually backed by a collateral. However, applicants can avail either of the two depending on their financial requirements and urgency.
Can I get marriage loan with 650 CIBIL score?
Yes, you can get a marriage loan with a CIBIL score of 650. However, the interest rates offered might be higher.
What is the maximum tenure for marriage loan?
Lenders usually offer marriage loans for a tenure of 5 years. However, a few lenders might offer longer tenure as well.
Can parents get marriage loan for children's wedding?
Yes, parents can get a marriage loan their child’s wedding. The approval depends on their credit profile.
Can I get marriage loan instantly?
If you are a pre-approved customer, you can get marriage loan with minimal documentation and near-instant disbursal.
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