What is a wedding loan?

A wedding loan is an unsecured personal loan specifically used to finance wedding expenses including venue, catering, outfits, jewelry, photography, decoration, and honeymoon travel. It works exactly like a personal loan with fixed EMIs.

How much can I borrow for my wedding?

Wedding loans on Samridhya range from ₹1 Lakh to ₹25 Lakhs depending on your income, credit score, and repayment capacity. Both partners can apply as co-applicants to qualify for higher amounts.

What is the interest rate for wedding loans?

Interest rates start from 10.99% p.a. and vary based on your credit profile and the lender. Samridhya compares offers from multiple lenders to find you the best rate.

How quickly can I get a wedding loan?

Most wedding loan applications on Samridhya are processed within 24-48 hours. Funds are disbursed directly to your bank account after approval.

Do I need collateral for a wedding loan?

No, wedding loans are unsecured personal loans. No property, gold, or asset pledge is required.

Can I use the loan for honeymoon expenses?

Yes, you can use the wedding loan for any wedding-related expense including honeymoon travel, hotel bookings, and experiences.

What documents are required?

PAN Card, Aadhaar Card, latest 3-month bank statements, salary slips (salaried) or ITR (self-employed), and address proof. All uploaded digitally.

Can both partners apply together?

Yes, both partners can apply as co-applicants, which may help qualify for a higher loan amount and better terms.

Wedding Loans for Your Dream Celebration

Make your dream wedding a reality without financial stress. Samridhya connects you with wedding loan offers from multiple lenders — covering venue, catering, outfits, jewelry, photography, and honeymoon. Competitive rates from 10.99% p.a. with tenures up to 60 months.

Apply Now Calculate EMI

₹25 Lakhs

Maximum Loan

From 10.99%

Interest Rate

24-48 Hours

Approval Time

12-60 Months

Tenure

What Can You Finance?

Venue & Catering

Wedding hall booking, catering, decoration, and event management.

Outfits & Jewelry

Bridal and groom outfits, wedding jewelry, and accessories.

Photography & Video

Professional photography, videography, and drone coverage.

Honeymoon Travel

Flights, hotels, and experiences for your dream honeymoon.

Why Choose Samridhya?

No Collateral Required

Unsecured personal loan — no property or asset pledge needed.

Quick Disbursal

Funds in your account within 24-48 hours of approval.

Flexible Repayment

Choose EMI tenure from 12 to 60 months to suit your budget.

Competitive Rates

Interest rates starting from 10.99% p.a. from partner lenders.

100% Digital Process

Apply, upload documents, and sign — all online through the app.

Compare Multiple Offers

See wedding loan offers from multiple banks and NBFCs on Samridhya.

Eligibility Criteria

Indian citizen aged 21-58 years
Salaried or self-employed individual
Minimum monthly income: ₹15,000
Valid PAN and Aadhaar card
Minimum CIBIL score: 650 (700+ for best rates)
Both partners can apply as co-applicants for higher amounts

Wedding Loan — Frequently Asked Questions

What is a wedding loan?: A wedding loan is an unsecured personal loan specifically used to finance wedding expenses including venue, catering, outfits, jewelry, photography, decoration, and honeymoon travel. It works exactly like a personal loan with fixed EMIs.
How much can I borrow for my wedding?: Wedding loans on Samridhya range from ₹1 Lakh to ₹25 Lakhs depending on your income, credit score, and repayment capacity. Both partners can apply as co-applicants to qualify for higher amounts.
What is the interest rate for wedding loans?: Interest rates start from 10.99% p.a. and vary based on your credit profile and the lender. Samridhya compares offers from multiple lenders to find you the best rate.
How quickly can I get a wedding loan?: Most wedding loan applications on Samridhya are processed within 24-48 hours. Funds are disbursed directly to your bank account after approval.
Do I need collateral for a wedding loan?: No, wedding loans are unsecured personal loans. No property, gold, or asset pledge is required.
Can I use the loan for honeymoon expenses?: Yes, you can use the wedding loan for any wedding-related expense including honeymoon travel, hotel bookings, and experiences.
What documents are required?: PAN Card, Aadhaar Card, latest 3-month bank statements, salary slips (salaried) or ITR (self-employed), and address proof. All uploaded digitally.
Can both partners apply together?: Yes, both partners can apply as co-applicants, which may help qualify for a higher loan amount and better terms.

Wedding Loan Interest Rates Comparison 2026

Compare wedding loan rates from top banks and NBFCs available through Samridhya.

Lender	Interest Rate (p.a.)	Max Amount	Tenure	Processing Fee
Bajaj Finserv	11.00% - 16.00%	₹25 Lakhs	12-60 months	1.5% - 3%
HDFC Bank	10.50% - 21.00%	₹25 Lakhs	12-60 months	Up to 2.5%
ICICI Bank	10.75% - 19.00%	₹20 Lakhs	12-60 months	Up to 2.25%

*Rates are indicative and subject to change based on your credit profile. Last updated: April 2026.

Wedding Loan Fees & Charges

Complete transparency on all charges.

Processing Fee

1% - 3%

One-time charge at disbursal

Prepayment

Nil after 12 months

2-5% if before 12 months

Late Payment

2% per month

On overdue EMI amount

Bounce Charges

₹500 - ₹1,000

Per failed payment

Stamp Duty

As per state

Varies by loan amount

GST

18% on fees

On processing and other charges

How to Apply for a Wedding Loan on Samridhya

Download Samridhya App

Get the app from Google Play or App Store and create your account.

Complete Your Profile

Enter basic details — name, PAN, Aadhaar, income.

Check Eligibility

AI instantly checks and shows personalized offers from multiple lenders.

Compare & Choose

Compare rates, tenure, and fees from partner banks and NBFCs.

Upload Documents

Upload PAN, Aadhaar, bank statements digitally — 100% paperless.

Get Approval

Receive approval within minutes. Most applications auto-approved.

E-Sign & Receive Funds

Sign digitally and get funds in your bank within 24 hours.

Start Planning Your Dream Wedding

Don't let finances hold you back. Apply for a wedding loan and celebrate without compromise.

Apply Now