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How Can a Personal Loan Help Pre and Post-Wedding Finances?

Published on Nov 16, 2022Updated on May 2, 2024

How Can a Personal Loan Help Pre and Post-Wedding Finances?

Weddings are occasions of great celebration and happiness all over India. During these times, we have to manage a range of social and legal activities. From shopping for bridal dresses to preparing for the ceremony, from inviting hundreds of family members to deciding on catering services, marriages in India involve months of planning. That’s when our finances have to be taken care of well.

Pre-wedding expenses include organising photography shoots, purchasing outfits, booking the marriage halls, and gifting ornaments. Post-wedding expenses can include aligning financial goals, preparing legal documents, and establishing a new household. To manage these finances, you can consider taking up a personal loan for post-marriage expenses.

Personal Loan For Marriage

A personal loan for marriage is ideal to control your finances. It is better to plan in advance for taking up a personal loan to manage pre and post-marriage expenses than to exhaust your savings.

Here are 10 reasons how a personal loan can help manage pre and post-wedding finances:

  1. You need not hold back from purchasing gold jewellery and silver utensils according to rituals. You can borrow up to INR 25 lakhs* and spend them as you wish for ornaments.
  2. You can enjoy a lavish celebration of a lifetime. When planning a marriage, you can also consider a destination wedding to make the most of your special day.
  3. With a personal loan for marriage, you can prevent last moment financial exhaustion since you will be prepared with funds in hand.
  4. Application process can be done online; hence, you don’t need to go through the hassle of having to pay a visit to an offline branch.
  5. With a personal loan, you are not bound to limited usage of the funds. You can distribute the money to different avenues, from renting a hall to printing invitations, from decorating the venue to hiring professional planners.
  6. With low interest rates, you can choose a suitable tenure of your choice and plan your EMI schedule easily.
  7. The loan amount is sent to your account within 30 minutes* of sanctioning. This means that while preparing for a marriage, since time is of the essence, you can gain financial support without any delay.
  8. Post-wedding, you can also use a personal loan for planning your honeymoon vacation to any destination you wish. With the maximum limit being INR 25 lakhs*, you can even plan a trip abroad.
  9. If you plan to keep your engagement and reception events in the same week as the wedding, a personal loan can give you the much required financial backing for the same. This can help maintain a healthy account balance.
  10. A large enough personal loan for wedding finances can help you keep some funds aside for emergency situations. For instance, there can be last-minute catering changes, outfit requirements, or accommodation requirements.
Must Read: 10 Tips for Planning your Wedding under 5 Lakhs

Documents For a Personal Loan For Wedding

The following documents are required for taking up a personal loan:

  • Identity proofs: PAN card, Aadhaar card, passport, driving licence, electricity bills, rent agreement, etc.
  • For salaried individuals

    1. 3 months’ salary slips

    2. Form 16 - ITR

  • For self-employed individuals:

    1. P&L sheets and balance sheet

    2. Business proof: GST number, business licence, etc.

    3. IT assessment

    4. Form 26AS - ITR


A marriage is the most special day for both the families involved. On this occasion, nobody should fall short of funds for auspicious and jubilant reasons. You can plan for a grand entrance, arrange for the best desserts, and hire the most brilliant wedding photographers for the occasion if you are well-equipped with the money required. For many, a dream wedding is just one personal loan away.

That’s why, if you have a marriage coming up, plan in advance to take up SMFG India Credit’s personal loan for post-marriage expenses. You can enjoy attractive interest rates starting from only 11.99%* per annum and take up a generous loan of up to INR 25 lakhs* for planning your wedding. You can check your eligibility through our online personal loan eligibility calculator and reduce your monthly repayments through our online EMI calculator. Don’t let any monetary burden touch you and make this day the best of your life!

* Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us

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