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Marriages in India are no less than festivals. They come with their fair share of frills, thrills and not to mention - Bills. But does that mean you need to compromise on the wedding of your dreams? Absolutely not. With Tata Capital's wedding loan, you can conveniently take care of all wedding-related expenses. From paying for the venue to meeting miscellaneous overheads, a wedding loan will help you organize your special day exactly as you wish.
Tata Capital's wedding loan fits your budget and makes your dream wedding come true. Avail of a loan of up to Rs. 35 Lakh to make your wedding a memorable occasion.
Disclaimer: Personal Loans are at the sole discretion of Tata Capital Limited (TCL). Terms and conditions apply.
Loan Amount
₹ 40,000 - ₹ 35,00,000
Loan tenure
Upto 6 years
Interest rate starting @
11.50% p.a
The basic marriage loan eligibility criteria include –
Applying for a Personal Loan for marriage with Tata Capital involves a hassle-free process and minimal paperwork requirements. The documents required for a personal loan for marriage include-
1. Identity proof- Aadhaar card/ Passport/ Voter ID/ Driving License
2. Adress proof
3. A copy of your salary slips for the last two months
4. Income proof- A copy of your bank statements or salary credits (last six months)
5. Employment certificate stating one year of continuous employment
Applying for a marriage loan at Tata Capital includes other fees and charges above the principal amount and loan interest rates. The fee structure is as follows-
| Charges | Applicable Rate* |
|---|---|
| Interest rate | Starting at 11.50% p.a. |
| Processing fees | Up to 4% of the loan amount + GST |
| Foreclosure charges | 4.5% on the principal outstanding at the time of foreclosure |
| Default in payment of amounts | 3% per month on overdue amount + applicable taxes |
| Dishonour of any cheque/payment instruments | Rs.600 for every cheque/payment instrument dishonoured |
*Rates are subject to changes
While you can utilise a personal loan for a variety of uses, including weddings, a marriage loan is better suited for the purpose. This is because these loans are specially designed to meet your wedding expenses.
You can utilise a Tata Capital wedding loan for all your wedding-related expenses, including wedding ceremony expenses and associated fees such as jewellery or honeymoon. All you need to ensure is that you meet the following eligibility criteria.
Yes, Tata Capital offers the option to track the status of your marriage loan application online. All you need to do is visit the website and log in by providing your mobile number or PAN number. After this, you can gain an update on the status of your marriage loan.
At Tata Capital, we offer instant approval for marriage loans. To apply for a marriage loan, ensure you meet the following eligibility criteria.
Age: You must be between 21 to 58 years old.
Monthly income: You must be earning a minimum of Rs. 15,000 every month.
Work stability: Only a salaried individual with two years of work experience can apply. You should also be working at your present company for at least six months to apply for a personal loan for marriage
After this, all you need to do is fill out the online application and submit the necessary documents. Once these are verified, Tata Capital will sanction the loan, and it will be disbursed directly into your account.
Yes, you can prepay or foreclose on the marriage-related personal loan before the term is up. However, if you are considering these options, be sure to keep the following in mind.
Part-prepayment is allowed only once a year, with a minimum gap of six months between two consecutive pre-payments
No part-prepayment is allowed during the lock-in period (first 12 months)
A part prepayment charge of 2.5% shall be applicable on the amount over and above 25% of the principal outstanding and up to a maximum of 50% of the principal outstanding
A maximum of 50% of the principal outstanding is allowed as pre-payment during a single year
The minimum amount as part prepayment must be greater than or equal to 2 months EMI
4.5% of the principal outstanding will be levied as foreclosure charges
2% extra of the principal outstanding will be levied if you foreclose your marriage loan during the lock-in period
Yes, there is a maximum age for requesting a personal loan for marriage. At Tata Capital, the eligibility criteria require the applicant to be between the age of 21 and 58 years. Apart from this, the applicant must fulfil the following conditions as well.
Monthly income: You must be earning a minimum of Rs. 15,000 every month
Work stability: Only a salaried individual with two years of work experience can apply. You should also be working at your present company for at least six months to apply for a personal loan for marriage
Yes, you can use a Tata Capital marriage loan for a destination wedding. We offer marriage loans with amounts starting at Rs 75,000 and going up to Rs 35,00,000 with flexible tenures ranging between 12 and 72 months.
Further, with Tata Capital, you enjoy the following benefits when applying for a marriage loan.
Seamless application process: our paperless application process allows you to apply for a marriage loan right from the comfort of your home.
Excellent customer service: Our representatives are always here to clear any doubts you may have about a marriage loan.
No collateral: you don’t need any security to apply for a marriage loan.
Flexible repayment strategy: you can choose the loan tenure that suits you best.
No, personal loans for marriage do not come with any tax benefits. However, with our flexible tenures ranging between 12 and 72 months, you can choose the repayment timeline that suits your financial plans best. Other than this, Tata Capital marriage loans also come with the following benefits.
High loan amounts: we offer loan amounts starting at Rs 75,000 and going up to Rs 35,00,000
Seamless application process: our paperless application process allows you to apply for a marriage loan right from the comfort of your home
Excellent customer service: Our representatives are always here to clear any doubts you may have about a marriage loan
No collateral: you don’t need any security to apply for a marriage loan
Yes, you can avail of a joint marriage loan with your spouse. To apply for a loan, make sure you and your spouse meet the following eligibility criteria.
Age: You must be between 21 to 58 years old
Monthly income: You must be earning a minimum of Rs. 15,000 every month
Work stability: Only a salaried individual with two years of work experience can apply. You should also be working at your present company for at least six months to apply for a personal loan for marriage.
If you forget to pay back an instalment on a personal loan for a wedding, you will have to pay penal interest. This refers to the rate of interest that is charged on delayed EMI payments.
In case you default on repayments, you will have to pay the outstanding instalments inclusive of this interest. At Tata Capital, a 3% penal interest is charged monthly. To avoid this, make sure you pay your EMIs on schedule.
At Tata Capital, the maximum loan amount for a marriage loan is Rs 35,00,000. You can avail of this loan for any wedding-related expense ranging from venue and catering bills to miscellaneous overheads.
Yes, if you already have loans or other financial obligations, you can still apply for a personal loan for a wedding. However, make sure to pay your EMIs on schedule to avoid any penal charges.
You can use a loan EMI calculator to determine your EMIs and a repayment tenure that aligns with your affordability. You need to enter the loan amount you want to borrow, the applicable interest rate, and the repayment tenure to estimate EMIs.
The government has also introduced marriage loan schemes such as Shagun Yojna, Bidaai (Shaadi Scheme), and Pradhan Mantri Marriage Loan to help borrowers cover their wedding expenses easily.
Taking a personal loan for the wedding has the following benefits –
Online Application: No need for physical visits. We offer an easy and paperless application process online.
No Collateral: With us, you don't have to pledge collateral to get the loan amount you want.
Nominal Paperwork: Just produce some basic documents and get the approval for personal loan for marriage.
Speedy Processing: We don't take too much of your time. Upon verification, we sanction the loan in a couple of hours, not days.
Flexible Repayment Options: You can pick the tenure best suited to your repayment capacity and adjust EMIs according to convenience.
Before taking a wedding loan, some things to do include:
Settle on a budget early on
Knowing beforehand how much you are ready to spend on your big day will help you plan it more effectively. This will act as a framework when you decide on a theme, the venue, the guest list and even your wedding dress.
Keep track of your finances
You may have dreamt of your wedding day since you were a little girl or boy, but making a dream a reality comes with a cost. In order to stay on top of your budget, even with a marriage loan, it is important to maintain a wedding expense tracker.
Research everything
It is the biggest day of your life – so you want to get everything right. Research potential wedding services and vendors – photographer, florist, invitations, cake, décor, music, hair and makeup. By researching meticulously, you will be able to come up with options that will help you stay within your budget.
Apply for a Marriage Loan
Whether you are having a small ceremony or a big fat wedding, there is always going to be a range of items you may need finance for. Apply for a Marriage Loan and start ticking off items from your wedding checklist.
Getting a Wedding Loan is simple and quick. To get your loan approved swiftly, you will be asked to provide the following details:
Your personal details including your PAN number, CIBIL score & KYC documents
Copies of your pay slips, address proof, and bank statements
Yes, women can apply for marriage loans if they meet the other eligibility criteria and requirements. These include age, monthly income, work stability, and more.
Last updated on: 19 May, 2025
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