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Marriage loan up to ₹15 lakhs

Get instant funds to cover all your wedding expenses with ease.

Marriage loan interest rate starting at 9.99%
100% Digital Process
Zero foreclosure charges
Zero processing fee**

Apply Now

Marriage Loan EMI Calculator

Loan amount

₹1L ₹15L

Loan term in months

Repay anytime with 0 Foreclosure charges!

9 Months 60 Months

Choose the Interest Rate

Lowest interest rate unlocked!

9.99% 38 %

Your EMI will be

₹5,072/month*

Total Interest Payable

₹43,435

Total Amount Payable

₹2,43,435

Check your eligibility

Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply. **For select loan amounts

Overview
Benefits
Eligibility
How to apply
Fees & Charges
FAQs
Blogs

Apply Now

What is a marriage loan and how does it work?

A marriage loan is an unsecured personal loan used to finance wedding expenses without pledging any collateral. You can use the borrowed funds for various wedding-related needs with no restriction on the end use. The same amount can be repaid through monthly EMIs over your chosen repayment tenure.

With IDFC FIRST Bank's FIRSTmoney personal loan for marriage, you can get up to ₹15 lakhs to manage wedding expenses with flexible repayment terms.

What wedding expenses can you cover with a marriage loan?

IDFC FIRST Bank FIRSTmoney personal loan for wedding expenses covers all possible needs to let you celebrate your big day the way you want.

• Venue booking: Be it a banquet hall, hotel, or a destination venue, a sizeable advance payment is the norm. You can apply for a FIRSTmoney wedding loan to pay for the hefty venue fee with funds up to ₹15 lakhs.

• Catering: Whether it's an average guest count of 200 or more, catering services can account for a significant share of your wedding budget. A marriage loan helps you ensure the food service is up to the mark.

• Photography and videography: Photography and videography packages can add significantly to the overall wedding budget, particularly when multiple events are involved. Book packages with a personal loan for marriage and protect your savings.

• Wedding attire and trousseau: Book your favourite groom and bridal wear and plan your trousseau with a marriage loan. For additional expenses, benefit from the FIRSTmoney multiple on-demand marriage loan.

• Hair and makeup: The cost of bridal makeup, hairstyling, grooming, skincare packages, etc. for multiple wedding functions can quickly add up. These expenses become manageable with a wedding loan.

• Jewellery: Jewellery can account for a significant portion of wedding expenses, depending on the type, quantity and prevailing market prices. A personal loan for marriage can help you manage the hefty cost.

• Décor: Décor requirements don't have to be compromised when you apply for a wedding loan. Plan the flower arrangements, lighting, seating, and stage according to your vision.

• Honeymoon: Book your flights and hotel in advance to get the best deals in advance with 10-minute disbursal on a FIRSTmoney personal loan for wedding expenses.

Planning your wedding budget: How much should you borrow?

Start by estimating the total wedding cost based on all the expenses you may incur. Subtract the estimate from how much you can comfortably fund from your savings and other sources. You can then consider borrowing an amount that covers the remaining financial gap while keeping the resulting EMI within your repayment capacity.

Here's how much you can plan to borrow based on the estimated wedding budget, the funds available to you, and the financial gap:

Estimated wedding budget	If funds available with you are	You can borrow
₹5 lakhs	₹2 lakhs	₹3 lakhs
₹10 lakhs	₹5 lakhs	₹5 lakhs
₹15 lakhs	₹7 lakhs	₹8 lakhs

These examples are for illustration only. The wedding loan amount you may be eligible for will depend on factors such as the lender's assessment, your income, credit profile, existing financial obligations and repayment capacity.

Features & benefits of a FIRSTmoney marriage personal loan

Wedding expenses can arise at different stages of planning. FIRSTmoney personal loan for wedding expenses offers features that can help eligible borrowers access and manage funds based on their requirements and approved loan offer.

No collateral

A FIRSTmoney marriage loan is unsecured, so you can arrange funds for the wedding without pledging your property, gold, investments, or other valuables.

10-minute disbursal

Venue and vendor booking deadlines for wedding-related expenses often have little room for delay. You can secure your desired services before the payment deadlines as a FIRSTmoney personal loan involves 10-minute disbursal of funds on approval.

Flexible repayment tenure

FIRSTmoney repayment tenure ranges from 9 to 60 months to let you choose a duration that keeps EMIs post-wedding manageable.

Zero foreclosure charges

FIRSTmoney personal loan comes with zero foreclosure charges and no lock-in period, which means you can close your loan early if you have surplus funds without any penalty.

100% digital process

Apply from anywhere, anytime as per your convenience. FIRSTmoney personal loan offers a completely online application process with video KYC.

No end-use restriction

You can use the FIRSTmoney marriage loan for all kinds of wedding expenses, without any restriction.

Multiple on-demand loans

You have the flexibility to take multiple on-demand loans from your approved FIRSTmoney wedding loan offer. No need to apply from scratch every time when additional expenses arise.

Start planning - Check your loan amount now

Marriage loan eligibility & documentation requirements

Personal loan eligibility

FIRSTmoney marriage loan eligibility criteria include:

Occupation: You may be salaried or self-employed.
Citizenship: Indian
Age: Between 21-60 years
CIBIL score: 710 or above
Occupation: Salaried or self-employed with a stable monthly income

Personal loan documents required

FIRSTmoney personal loan for wedding doesn’t require any document uploads. You just need your:

PAN and Aadhaar numbers for application
Original PAN card for video KYC

How to Apply for a Marriage Loan

Step 1

Click on the 'Apply Now' button

Step 2

Enter your basic details

Step 3

Choose your desired loan amount and tenure

Step 4

Link your bank account where you want to receive funds

Step 5

Complete video KYC by showing your original PAN card

Apply for a Marriage Loan

Interest rate & charges on FIRSTmoney marriage loan

Types of Fees	Applicable charges
Interest rate	Starting from 9.99% p.a. (equivalent to 0.83% p.m.)
Processing fees	0% to 3.5% as applicable on the loan amount, including GST. Zero processing fee on select loan amounts.
Foreclosure charges	Zero foreclosure charges
Stamp duty	As per State's Stamp Act

View all fees and charges

What will your marriage loan EMI be?

Select a loan amount and tenure that keeps your repayments comfortable. Here's a tentative calculation of EMI for various wedding loan amounts at the lowest interest rate offered:

Loan amount	Interest rate	Tenure	Approx. EMI
₹1 lakh	9.99% p.a.	60 months	₹2,124
₹2 lakhs	9.99% p.a.	60 months	₹4,248
₹3 lakhs	9.99% p.a.	60 months	₹6,373
₹4 lakhs	9.99% p.a.	60 months	₹8,497
₹5 lakhs	9.99% p.a.	60 months	₹10,621
₹10 lakhs	9.99% p.a.	60 months	₹21,240
₹15 lakhs	9.99% p.a.	60 months	₹31,863

These EMI values are indicative. Your final EMI amount depends on your credit profile and approved loan offer.

How a digital marriage loan works in your favour

Wedding planning can get overwhelming with coordinating vendors, payments, bookings, and tight timelines. A digital FIRSTmoney marriage loan can make arranging funds for wedding expenses simpler.

Plan for time-sensitive payments

Eligible borrowers can access funds quickly after approval in as little as 10 minutes.

Apply without visiting a branch

Complete the application journey digitally without any need to visit a bank branch or upload any documents.

Manage your loan conveniently

Manage repayments, on-demand loans and access all loan related documents conveniently via the Bank app.

Our App Ratings from 2.64M+ happy users

Learn more about how your CIBIL Score impacts your personal loan approval chances.

Marriage Loan FAQs

What is a marriage loan?

A marriage loan is a type of personal loan specifically designed to cover wedding-related expenses like venue booking, catering, jewellery, clothing, and more. With FIRSTmoney, you can access loans up to ₹15 lakhs with the ability to avail more funds easily with just a few clicks, to meet additional cash requirements.

How much marriage loan can I get?

With FIRSTmoney, you can get a marriage loan between ₹50,000 and ₹15 lakhs based on your eligibility and repayment capacity. You can also withdraw on-demand personal loan starting at ₹10,000 from your approved loan offer without reapplying from scratch.

How to calculate marriage loan EMI?

You can calculate your marriage loan EMI using an online personal loan EMI calculator. Input the loan amount you need, marriage loan interest rate, and tenure to get an accurate EMI figure.

What documents are required for a wedding loan?

You will need your PAN card to complete the video KYC process during your marriage loan application. The process is entirely digital and paperless.

What is the interest rate for a marriage loan?

The personal loan interest rate for a marriage loan from IDFC FIRST Bank start at 9.99% per annum. However, the exact rate may vary depending on factors like your credit history, income, and chosen loan tenure.

What is the wedding loan eligibility criteria?

To be eligible for a marriage loan, applicants must be aged between 21 to 60 years. A minimum credit score of 710 is required to qualify for the loan. Additionally, applicants should have a stable income source, either as a salaried employee or self-employed individual, and must provide proof of income and employment.

What is the salary requirement to get a marriage loan?

The minimum salary requirement typically starts at around ₹15,000 per month. This requirement may vary based on the applicant's profile, credit history, and overall financial stability. Higher income levels may also qualify you for larger loan amounts. Click here for to use a personal loan eligibility calculator.

What is the Processing Fee for a marriage Loan?

The processing fee for a marriage loan at IDFC FIRST Bank is up to 2.0% of the loan amount (incl. GST). This fee is non-refundable and is charged at the time of loan disbursement.

What is the repayment tenure for a marriage loan?

The repayment tenure for a marriage loan from IDFC FIRST Bank ranges from 9 to 60 months, allowing borrowers to choose a tenure that best fits their financial situation. If required, you can close your loan early without penalty.

Can I apply for the Marriage Loan using the IDFC FIRST Bank 'loan app'?

Yes, absolutely! You can conveniently apply for your IDFC FIRST Bank Marriage Loan through our dedicated loan app. This digital application process makes it easy to submit your details, track your application status, and manage your loan from the comfort of your home.

Is the Marriage Loan considered a 'cash loan' for wedding expenses?

Yes, the IDFC FIRST Bank Marriage Loan provides you with a direct cash loan that can be used to cover various wedding-related expenses, such as venue booking, catering, decorations, attire, and more. The funds are disbursed directly into your account for your convenience.

Are there 'pre approved loan' options available for Marriage Loans?

For many of our valued customers, IDFC FIRST Bank does offer pre approved loan options, including for marriage loans. If you have a pre approved loan offer, the application process will be even faster, allowing you to access funds quickly to meet your wedding deadlines.

What are the typical 'fees and charges' associated with an IDFC FIRST Bank Marriage Loan?

The fees and charges for an IDFC FIRST Bank Marriage Loan generally include a processing fee and applicable government duties like stamp duty. There might also be charges for part-prepayment or foreclosure, depending on the terms. All these fees and charges are clearly communicated during the application process and in your loan agreement to ensure full transparency.

How does a Marriage Loan differ from a typical 'pay day loan'?

While a pay day loan is typically a short-term, high-interest loan meant for immediate small expenses, an IDFC FIRST Bank Marriage Loan is a personal loan designed for significant life events. It offers more flexible repayment tenures, generally lower interest rates, and a structured repayment plan, making it a more financially sound choice for wedding expenses than a short-term pay day loan.

How to get loan for marriage?

To get a marriage loan from IDFC FIRST Bank, start by clicking ‘Apply Now’ on the marriage loan page and registering with your mobile number. You then confirm basic details to check your eligibility, choose your preferred loan amount and tenure, link your bank account for disbursal, and complete a quick video KYC by showing your PAN card, after which eligible applications are approved and disbursed digitally within 10 minutes.

What is the minimum salary for a marriage loan?

For a marriage loan from IDFC FIRST Bank, applicants are generally required to have a regular monthly income of at least ₹15,000 and above and show stable salary credits. A higher take-home salary, lower existing EMIs, and a healthy credit profile improve the chances of approval and may help you access a higher loan amount or better terms for your wedding financing.

Which is better, a marriage loan or a personal loan?

A marriage loan from IDFC FIRST Bank is essentially a type of personal loan that can be used for wedding-related expenses such as venue, jewellery, catering, and attire. Since it works like a standard personal loan in terms of structure and features, the better option mainly depends on whether you want funds earmarked for wedding costs or a more general-purpose personal loan for multiple needs.

Which loan is best for marriage?

An unsecured personal loan is the most practical option for wedding expenses since it needs no collateral, comes with fixed EMIs, and can be used freely across all wedding costs, including venue, catering, jewellery, travel, and more. IDFC FIRST Bank's FIRSTmoney offers marriage loans up to ₹15 lakhs at rates starting from 9.99% p.a., with repayment tenures between 9 and 60 months and zero foreclosure charges.

Which bank gives a marriage loan?

Most major banks offer personal loans that can be used for wedding expenses. IDFC FIRST Bank offers a dedicated marriage loan through FIRSTmoney, with a 100% digital process, approval in seconds to minutes, disbursal within 10 minutes, and no paperwork. Both salaried and self-employed individuals can apply.

Are 15 lakhs enough for a wedding in India?

It depends on the scale and location of the wedding. A modest to mid-range wedding in a Tier 1 city can cost anywhere between ₹5 lakh and ₹20 lakh. ₹15 lakh is generally sufficient for a well-planned wedding, though destination weddings or larger guest lists can push costs higher. Borrowing only what you need and keeping EMIs manageable is the smarter approach.

Can I use the funds for a honeymoon?

Absolutely. You can use a wedding loan for a range of expenses, including honeymoon travel bookings.

Is the disbursal possible before my wedding date?

Yes, apply for a wedding loan before your wedding and get the funds within 10 minutes after approval.

What is the EMI for a ₹5 lakh wedding loan?

The EMI on a ₹5 lakh wedding loan depends on your interest rate and repayment tenure. For example, at 9.99% p.a., the approximate EMI would be ₹23,070 for 24 months, while a longer tenure would result in a lower monthly EMI but may increase the total interest payable.

Can both partners apply separately for a marriage loan?

Yes, you and your partner can apply for a marriage loan independently, subject to meeting the eligibility criteria and financial needs.

Should I take a wedding loan for the entire wedding budget?

You can if you qualify based on your eligibility and repayment capacity. If not, you can consider borrowing to bridge the gap between your available funds and planned expenses to keep the EMIs manageable.

Can I take another loan if wedding expenses increase later?

Yes, FIRSTmoney allows you to take multiple on-demand loans from the available approved loan offer without applying from scratch.

Can I apply for a wedding loan several months before the wedding?

Yes, you can apply months in advance to secure bookings from vendors with a waiting list. There is no restriction on the application timeline.

More FAQs

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References:

https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/debt-consolidation-loan

https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/fees-and-charges

https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan

https://www.idfcfirst.bank.in/personal-banking/loans/personal-loan/personal-loan-in-mumbai

IDFC FIRST Bank Mobile App

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Call us on 1800 10 888

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Marriage loan up to ₹15 lakhs

Marriage Loan EMI Calculator

₹5,072/month*

₹43,435

₹2,43,435

Overview

Benefits

Eligibility

How to apply

Fees & Charges

FAQs

Blogs

What is a marriage loan and how does it work?

What wedding expenses can you cover with a marriage loan?

Planning your wedding budget: How much should you borrow?

Features & benefits of a FIRSTmoney marriage personal loan

No collateral

10-minute disbursal

Flexible repayment tenure

Zero foreclosure charges

100% digital process

No end-use restriction

Multiple on-demand loans

Marriage loan eligibility & documentation requirements

Personal loan eligibility

Personal loan documents required

How to Apply for a Marriage Loan

Interest rate & charges on FIRSTmoney marriage loan

What will your marriage loan EMI be?

How a digital marriage loan works in your favour

Plan for time-sensitive payments

Apply without visiting a branch

Manage your loan conveniently

Our App Ratings from 2.64M+ happy users

Marriage Loan FAQs

What is a marriage loan?

How much marriage loan can I get?

How to calculate marriage loan EMI?

What documents are required for a wedding loan?

What is the interest rate for a marriage loan?

What is the wedding loan eligibility criteria?

What is the salary requirement to get a marriage loan?

What is the Processing Fee for a marriage Loan?

What is the repayment tenure for a marriage loan?

Can I apply for the Marriage Loan using the IDFC FIRST Bank 'loan app'?

Is the Marriage Loan considered a 'cash loan' for wedding expenses?

Are there 'pre approved loan' options available for Marriage Loans?

What are the typical 'fees and charges' associated with an IDFC FIRST Bank Marriage Loan?

How does a Marriage Loan differ from a typical 'pay day loan'?

How to get loan for marriage?

What is the minimum salary for a marriage loan?

Which is better, a marriage loan or a personal loan?

Which loan is best for marriage?

Which bank gives a marriage loan?

Are 15 lakhs enough for a wedding in India?

Can I use the funds for a honeymoon?

Is the disbursal possible before my wedding date?

What is the EMI for a ₹5 lakh wedding loan?

Can both partners apply separately for a marriage loan?

Should I take a wedding loan for the entire wedding budget?

Can I take another loan if wedding expenses increase later?

Can I apply for a wedding loan several months before the wedding?

Choose your personal loan amount with FIRSTmoney

Different Types of Personal Loan for you

Travel Loan

Emergency Loan

Wedding Loan

Medical Loan

Home Improvement Loan

Personal Loan Tips & Insights: Your Guide to Smarter Borrowing

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Fulfil your wishes with FIRSTmoney – A paperless, smart, instant personal loan

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Missed your personal loan EMI? What to do next?

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