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Wedding Loan

Plan a fairytale wedding with Aditya Birla Capital Wedding Loans. With a simple and quick application process, you can get collateral-free loans and easily meet your wedding expenses.

Attractive interest rates
Easy & flexible repayment options
Easy application process with quick sanctions

Step 1

Step 2

Step 3

Finish

₹ 5.50 Lakh Cr

AUM

1,712

BRANCHES

3.9 Cr

ACTIVE CUSTOMER BASE

₹ 1.78 Lakh Cr

CONSOLIDATED LENDING BOOK

Interest Rates Available for
Wedding Loans

Find out the interest payable on the wedding loan to plan your repayments effectively.

Loans up to 12 months

Loan Type	Interest
The Short Term Reference Rate (STRR)	19.45% p.a. w.e.f.from March 1, 2024

Rates are indicative and depend on credit score, income, and profile. The best debt consolidation loan often starts lower for strong profiles (750+ CIBIL).

Loans more than 12 months

Loan Type	Interest
The Long Term Reference Rate (LTRR)	20.45% p.a. w.e.f. from March 1, 2024

Get A Wedding Loan In 5 Easy Steps

STEP

Determine your financial needs

STEP

Check loan eligibility

STEP

Calculate monthly installment

STEP

Submit the relevant documents

STEP

Apply for a loan

STEP

Submit the relevant documents

STEP

Apply for a loan

Eligibility Criteria for Marriage Loan

Documents Required for Marriage Loan

Identity & Address Proof : Aadhaar Card, PAN Card, Passport, Voter ID, or Driving Licence.
Income Proof : Last 3 months’ salary slips or Form 16 for salaried individuals.
Bank Statements : Last 6 months’ bank statement where salary is credited.
Other Income Proof : For self-employed, ITR filings and business registration documents.

Eligibility Criteria for Marriage Loan

Age : Minimum 21 years, Maximum 60 years (at loan maturity).
Employment Type: Salaried individuals or self-employed professionals/non-professionals.
Credit Score: Minimum 750 required for favorable loan terms.
Income Requirement : Monthly income as per lender’s eligibility criteria.
The co-applicant must have a stable income and meet the lender's criteria.

Revision of Reference Rates for determining Interest Rates on loans given

Long Term Reference Rate

ABCL has increased its Long-Term Reference Rate (LTRR) by 20 bps to 20.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor greater than 12 months that are linked to the LTRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Short Term Reference Rate

ABCL has increased its Short-Term Reference Rate (STRR) by 20 bps to 19.45% p.a. with effect from March 1, 2024. The interest rate on the floating rate loans of tenor up to 12 months that are linked to the STRR will be revised upwards by 20 bps. The spread / margin on the said loans will remain unchanged.

Fees and Charges for Wedding Loans

Charge Type	Amount
Cheque Return charges	₹500 + GST per instance
Default Penal charges	3% of the pending amount per month
Charges for cancellation of Loan	4% of loan amount disbursed + applicable taxes
CIBIL report retrieval fees	₹100 + GST per instance
Charge for Exchanging PDCs / ECS	₹750 + GST per instance
Loan reschedule charges	₹5000 + GST per instance
Stamp Duty	As per Actual if applicable
Insurance Premium	As per Actual, if applicable
Pre-closure Quote	₹1000 + GST per instance
Any other charges	As per Actual, if applicable
Part - Pre-Payment Charges	Charges: A) Nil Charges - If Part prepayment is equal to 20% of the total disbursed amount in a year B) 3% + GST on Remaining Loan amount - If part payment is greater than 20% of the total disbursed Conditions: A) No pre-payment is allowed in the first 6 months from the date of disbursement B) Part Pre-Payment amount should be equal to OR greater than a total of 3 EMIs. C) Part-prepayment is allowed only once in the first year of loan tenure.
Foreclosure Charges	4% of the Principal outstanding amount + GST Condition: Foreclosure is allowed only after 12 months from the date of loan disbursal.

Balance Transfer

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Top-Up

Expand health coverage, low premiums

Comprehensive coverage
Affordable with low premiums

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Different financial needs, different loans,
one app - ABCD

For weddings, travel, vehicle purchases, or any other obligation, fulfil any need with personal finance solutions offered by the ABCD app.

Range of loan options for different needs
Range of loan options for different needs
Quick sanctions and disbursals

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Customer Satisfaction Stories

Hear from our happy customers what they have to say about their experience with us.

Mr. Hiralkumar Ashokbhai Patel

Aditya Birla Finance Customer

Seamless onboarding experience and great support provided by the Relationship Manager during the documentation process.

Mr. B. Narsimulu

Aditya Birla Housing Finance Customer

Hyderabad, India

Mr. Pramod Kumar Saini

Aditya Birla Finance Customer

I appreciate the online documentation process which helped in ease of my loan process. I could get loan information through WhatsApp and other digital platforms.

Mr. Vikram Balu Gavali

Aditya Birla Housing Finance Customer

Belapur, India

FAQs on Wedding Loan

The wedding loan in India is a multipurpose loan that can cover wedding-related expenses as well as any other financial needs.

The maximum loan amount would depend on your eligibility parameters. You can use the online eligibility calculator to find out the maximum amount that you can borrow with a Personal Wedding Loan.

Yes, you can visit the nearest branch of Aditya Birla Capital and apply for the Wedding Loan offline.

Yes, you can apply for a Personal Wedding Loan with your fiance as a co-applicant. In fact, adding a co-applicant would increase your eligibility, and you might be able to get a higher loan amount.

You can cancel or postpone your wedding after taking the loan. It would not affect the loan and its repayment. You can also use the loan for any other financial need that you might have.