Wedding Loan Complete Guide Interest Rates, EMI Calculator Online Apply
Wedding Loan 2026: Complete Guide - Interest Rates, EMI Calculator, Online Apply
Wedding Loan Kya Hai? (What is Wedding Loan?)
Wedding loan ek tarah ka personal loan hai jo specially shaadi ke kharchon ke liye diya jata hai. Isse marriage loan bhi kehte hain. Ye loan bina kisi security ke milta hai aur ise 1 se 5 saal mein chukaya ja sakta hai.
No Security Required
Bina kisi collateral ke milta hai
Quick Processing
24-72 hours mein approval
Flexible Amount
₹50,000 to ₹40 lakhs tak
Easy EMI Options
12 to 60 months mein repay
Latest Wedding Loan Interest Rates 2026
Yahan top Indian banks ke current wedding loan rates ki comparison table dekhein:
| Bank Name | Interest Rate (per year) | Processing Fees | Max Loan Amount |
|---|---|---|---|
| SBI Wedding Loan | 10.50% - 15.50% | 0.5% - 1% + GST | ₹15 lakhs |
| HDFC Wedding Loan | 9.99% - 12.5% | ₹ 6,500 | Upto ₹25 lakhs |
| Axis Bank Wedding Loan | 9.99% - 17.15% | Upto 2% | ₹25 lakhs |
| ICICI Wedding Loan | 11% - 13% | Upto 2% | Upto ₹25 lakhs |
| YES Bank Wedding Loan | 13% - 16% | 1.5% - 2.25% | ₹30L lakhs |
Wedding Loan EMI Calculator
Apni EMI calculate karne ka formula: EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
EMI Calculator
Your Loan EMI: ₹0
Total Payable Amount: ₹0
Total Interest: ₹0
Wedding Loan Ke Liye Apply Kaise Karein Hindi Me
Bank Choose Karein
SBI, HDFC, Axis Bank mein se compare karein. sabse Lowest interest rate aur processing fees dekhein isme sare raj hai
Online Form Bharein
Bank ki official website par jaayein. Wedding loan application form bharein. Personal details, income details, loan amount fill karein
Documents Upload Karein
Aadhar Card, PAN Card, Income Proof (salary slips/bank statements) Address Proof upload karein
Verification Process
Bank aapke documents verify karega. Mobile Ke Jariye Bhi verification ho sakti hai.
Loan Approval & Disbursal
24-72 hours mein approval. Amount aapke bank account mein transfer kare dete hai aap ko ek sms aayga
Frequently Asked Questions (FAQs)
Wedding loan specially shaadi ke liye hota hai, personal loan kisi bhi purpose ke liye. Interest rates dono mein similar hote hain.
Haan, self-employed bhi wedding loan le sakte hain. Unko income proof ke liye ITR aur bank statements dikhane padte hain.
600 se kam CIBIL score mein loan milna mushkil hai. Aap higher interest rate par try kar sakte hain ya joint application kar sakte hain.
Generally ₹10-40 lakhs tak, aapki income aur repayment capacity par depend karta hai.
24 hours to 5 working days, documents completeness par depend karta hai.
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Eligibility Criteria Marriage Loans (IN INDIA)
Lenders aam taur par eligibility ko age, employment profile, credit score, monthly income jaise factors ke base par decide karte hain. Neeche marriage loan lene waale applicants ke liye basic eligibility di gayi hai:
| Particulars | Eligibility |
|---|---|
| Age | 18–60 years (salaried), 21–65 years (self-employed) |
| Employment Profile | Salaried aur Self-employed dono eligible hain |
| Minimum Income | ₹15,000 per month (salaried), ₹3,00,000 per year (self-employed) |
| Credit Score | 750 ya usse upar hona chahiye |
| Work Experience | Kam se kam 1 saal (salaried), aur 3 saal (self-employed) |
Note: Yeh general eligibility hai — banks aur lenders ke hisaab se requirements thodi badh ya kam ho sakti hain.
Marriage Loan – Fees Charges (EMI LONE)
1. Processing Fees (Processing Fees kya hoti hai?)
Kya hai: Bank loan approve karne ke liye jo charge leta hai.
Kitna lagta hai: 0.5% se 4% tak loan amount ka.
Example:
Agar aapne ₹10 lakh ka loan liya aur processing fee 2% hai:
₹10,00,000 × 2% = ₹20,000 processing fee lagegi.
2. Late Loan EMI Payment Charges
Kya hai: Agar aap EMI time par nahi bharte toh extra charge lagta hai.
Kitna lagta hai: 1%–2% per year outstanding amount par.
Example:
Agar aapki EMI ₹15,000 hai aur aap 10 din late ho gaye:
2% yearly ≈ daily charge 0.0055%
₹15,000 × 0.0055% × 10 din = ₹8.25 extra lag jayega.
3. Prepayment & Foreclosure Charges
Kya hai: Loan ko tenure se pehle poora chukaane par jo charge lagta hai.
Kitna lagta hai: 1%–5% tak outstanding amount ka.
Example:
Agar aapka outstanding ₹8 lakh hai aur foreclosure charge 2% hai:
₹8,00,000 × 2% = ₹16,000 extra dena padega.
4. Stamp Duty Charges
Kya hai: Loan agreement banane ke liye government ka legal charge.
Kitna lagta hai: State ke hisaab se alag — usually ₹100 se ₹500.
Simple Summary Loan ()
| Charge Type | Kitna Lagta Hai | Kab Lagta Hai |
|---|---|---|
| Processing Fees | 0.5% – 4% | Loan approve hote waqt |
| Late EMI Charge | 1% – 2% yearly | EMI late bharne par |
| Prepayment Charge | 1% – 5% | Loan jaldi chukaane par |
| Stamp Duty | Actual ke hisaab se | Loan agreement banate waqt |
Important Tip
Loan lene se pehle saare charges bank se clearly pooch lena chahiye — taaki baad me koi surprise charges na lage.
Conclusion - Final Decision
Wedding loan aapki shaadi ke kharchon ko manage karne ka accha tarika hai. Apply for wedding loan karne se pehle different banks ke offers compare karein aur apni budget ke hisaab se hi loan lein.
Important Advice: Loan lene se pehle apni repayment capacity zaroor check karein. Zyada EMI apni financial stability ko affect kar sakti hai.