This article covers the top 10 marriage loan apps in India for 2025, with verified interest rates, processing fees and eligibility details for each app. Whether you are planning a small ceremony or a large multi-day celebration, it takes about 5 minutes to identify the right app and rate for your budget.
Weddings in India are considered as a serious business and they are pretty expensive. Venues, caterers, photographers, mehendi artists, travel for relatives, the bridal outfit… before you know it, you are looking at a budget that has run well past what was planned. That is where marriage loan apps come in.
A marriage loan is really just a personal loan you take to fund wedding expenses. No collateral needed. No branch visits. Apply on your phone and, if approved, the money lands in your account within hours. This guide walks you through the top 10 apps offering marriage loans in India right now, what to compare before applying and a few things most people miss.
Table of Contents
- What is a Marriage Loan, Exactly?
- What to Compare Before You Apply?
- Top 10 Marriage Loan Apps in India for Wedding Financing
- Comparison Table
- How to Apply via a Marriage Loan App
- Eligibility Criteria for Marriage Loans
- RBI Regulations and Borrower Protection
- Things to Keep in Mind Before You Apply
- Conclusion
- FAQs On Marriage Loan Apps in India
What is a Marriage Loan, Exactly?
There is no special product called a ‘marriage loan’, it is basically a personal loan. Lenders use the term because it helps people find it when they search. Structurally, it works exactly like any unsecured personal loan: you borrow a fixed amount, repay in EMIs over a set tenure and pay interest on the outstanding balance.
What makes digital apps stand out is speed. Traditional bank loans take days. These apps process applications in minutes using digital KYC and automated credit checks. Most are regulated as NBFCs or partner with NBFC lenders registered with the Reserve Bank of India.
QUICK STAT
The average Indian wedding costs between ₹10 lakh and ₹50 lakh depending on city and scale, according to a 2023 KPMG report on India’s wedding industry.
Source: KPMG India Wedding Industry Report, 2023
What to Compare Before You Apply?
Not all apps are equal. Interest rate is the big one, even a 2% difference per month adds up to thousands over a 12-month repayment. Maximum loan amount matters too: some apps cap at ₹1.5 lakh, others go up to ₹40 lakh. Processing fees can eat into your loan amount upfront, with some platforms charging up to 5.5%. Tenure flexibility matters too: a longer tenure means a smaller EMI but higher total interest paid. Finally, check the minimum salary requirement; it ranges from ₹10,000 per month on some platforms to ₹25,000 on others.
PRO TIP
Use the in-app EMI calculator before committing. It takes 30 seconds and tells you whether the monthly repayment fits your salary without straining daily expenses. Also check the total interest payable over the full tenure – not just the monthly EMI amount.
Top 10 Marriage Loan Apps in India for Wedding Financing
1. Fibe
If speed is the priority, Fibe is worth looking at first. Loans go up to ₹10 lakh, KYC is fully paperless and disbursement typically happens the same day. Interest rates start at 18% per annum on a reducing balance basis with repayment tenure from 6 to 36 months. Zero prepayment charges and no hidden fees. Built for salaried professionals who want money fast without visiting a branch. Minimum salary requirement is ₹20,000 per month.
2. KreditBee
KreditBee works well for first-time borrowers without a long credit history. Loan amounts range from ₹1,000 to ₹4 lakh with repayment tenures of 3 to 36 months. Interest rates start at 12% per annum for salaried applicants and go up to 28.5% depending on your credit profile. Processing fee is up to 5.5% of the loan amount. Minimum monthly income is ₹10,000 – one of the lowest entry bars on this list.
3. MoneyTap
MoneyTap works as a credit line, not a lump-sum loan. You get approved for a limit up to ₹5 lakh, then draw only what you actually need. Wedding expenses rarely land all at once – the caterer wants a deposit in one month, the venue the next. MoneyTap suits that kind of phased spending. Interest rates start from 13% per annum and are charged only on the amount withdrawn, not the full approved limit.
4. CASHe
CASHe uses an alternate scoring model it calls the Social Loan Quotient, which factors in employment history alongside standard credit data. Loans go from ₹10,000 to ₹4 lakh with tenures between 3 and 18 months. Interest rates range from 2.25% to 2.50% per month, translating to roughly 27% to 30% per annum. It targets salaried millennials and disburses within minutes for eligible applicants.
5. PaySense
PaySense is a strong pick for borrowers with a limited credit history. Loan amounts go from ₹5,000 to ₹5 lakh, with repayment tenure options stretching to 60 months. Interest rates start from 14% per annum for eligible borrowers, going up to 36% based on profile. The minimum salary requirement is ₹18,000 per month. The longer tenure options keep EMIs manageable even on a modest income.
6. EarlySalary
EarlySalary, now part of the Fibe brand family, started as a salary advance product and expanded into personal loans. Amounts range from ₹8,000 to ₹5 lakh. Interest rates start at 18% per annum for salaried employees. Same-day disbursement is the norm. The in-app EMI calculator is a useful tool to estimate repayments before committing.
7. NIRA
NIRA Finance focuses on lower-income salaried workers and people with thin credit files. Loan limits go up to ₹1.5 lakh and increase with each successful repayment. Interest rates range from 24% to 36% per annum with a processing fee of up to 2%. The minimum monthly income required is ₹12,000. Repayment tenure runs from 3 to 12 months, and there are no prepayment charges after the first 3 months.
8. mPokket
mPokket is not a conventional marriage loan app. It offers small amounts from ₹500 to ₹30,000 aimed at students and young earners. Interest rates start at 18.96% per annum, with processing fees of ₹50 to ₹200 plus GST. Where it fits: small last-minute wedding expenses that do not need a full personal loan – a venue security deposit, a last-minute décor purchase, or a travel booking.
9. Bajaj Finserv App
For large weddings with big budgets, Bajaj Finserv is in a different league. Loans go up to ₹40 lakh with tenures stretching to 96 months. Interest rates start from 10% per annum for pre-approved customers with strong credit, and go up to 31%. Processing fee is up to 3.99% of the loan amount. The Flexi Loan feature lets you withdraw in parts and pay interest only on the drawn amount. One of India’s largest NBFCs backing it adds credibility.
10. HDFC Bank Personal Loan App
HDFC Bank offers pre-approved personal loans up to ₹40 lakh to existing customers through its mobile app. For account holders with good credit, disbursement is near-instant. Interest rates start at around 10.5% per annum. Processing fee is up to 2.50% of the loan amount. If you already bank with HDFC and have a clean repayment record, this is one of the most cost-effective routes on this list.
WATCH OUT
Before applying to any lending app, verify that the lender is registered as an NBFC or bank with the Reserve Bank of India. Unregistered apps that promise instant loans with no checks are often predatory lenders. The RBI’s 2022 Digital Lending Guidelines require all legitimate apps to provide a Key Fact Statement with the full APR before you accept the loan.
Comparison Table
| App | Max Loan | Interest Rate p.a. | Processing Fee | Tenure | Min. Salary |
|---|---|---|---|---|---|
| Fibe | ₹10 lakh | From 18% | Up to 2% | 6-36 months | ₹20,000/month |
| KreditBee | ₹4 lakh | 12%–28.5% | Up to 5.5% | 3–36 months | ₹10,000/month |
| MoneyTap | ₹5 lakh | From 13% | Up to 2% | 2–36 months | ₹20,000/month |
| CASHe | ₹4 lakh | 27%–30% | Up to 3% | 3–18 months | ₹15,000/month |
| PaySense | ₹5 lakh | 14%–36% | Up to 2.5% | 3–60 months | ₹18,000/month |
| EarlySalary | ₹5 lakh | From 18% | Up to 2% | 3–24 months | ₹18,000/month |
| NIRA | ₹1.5 lakh | 24%–36% | Up to 2% | 3–12 months | ₹12,000/month |
| mPokket | ₹30,000 | From 18.96% | ₹50–₹200 + GST | 2–3 months | No fixed minimum |
| Bajaj Finserv | ₹40 lakh | 10%–31% | Up to 3.99% | 12–96 months | ₹25,000/month |
| HDFC Bank | ₹40 lakh | From 10.5% | Up to 2.50% | 12–60 months | Existing customers |
How to Apply via a Marriage Loan App
- Download the app and complete KYC using Aadhaar and PAN.
- Enter your income details and the loan amount you need.
- The app shows you the interest rate, EMI and tenure options available to you.
- Review the Key Fact Statement – it lists the APR, all fees and the total repayment amount.
- Accept the terms and submit your application.
- Receive disbursement to your bank account, typically within 24 hours.
Eligibility Criteria for Marriage Loans
Most apps require you to be an Indian resident aged 19 to 55 with a monthly income between ₹10,000 and ₹25,000 (varies by app) and a valid bank account. A credit score of 650 or above puts you in a stronger position for better rates, though apps like PaySense, KreditBee and NIRA work with lower scores or new-to-credit borrowers.
Priya is 27, works as a software engineer in Bengaluru and needed ₹3 lakh for her wedding venue deposit and catering advance. She applied on Fibe at 10 AM, was approved by 10:20 AM and had the money in her account the same afternoon. She chose a 15-month tenure, which put her EMI at roughly ₹22,000 a month – about one-third of her ₹60,000 salary. Total interest paid over the tenure came to approximately ₹30,000.
DID YOU KNOW?
Your credit score is the single biggest factor in determining both eligibility and the interest rate offered. Check it for free via CIBIL, Experian or CRIF before applying – knowing your score helps you pick the right app upfront and avoid wasting a hard inquiry on a lender likely to reject your application.
RBI Regulations and Borrower Protection
All legitimate digital lending apps must be registered as NBFCs or partner with NBFC lenders regulated by the Reserve Bank of India. In 2022, the RBI issued Digital Lending Guidelines that created meaningful protections for borrowers: every app must now provide a Key Fact Statement disclosing the annual percentage rate, all fees and the total repayment amount before you accept a loan. Funds must be disbursed only to your registered bank account – not a third-party wallet. And if you change your mind, a cooling-off period allows you to return the loan within a set window without penalty.
Red flags to watch for: any app that asks you to share your screen, requests access to your contacts list, demands repayment via cash or unofficial channels, or asks for fees before disbursement. These are common markers of unregistered lenders. You can verify any NBFC’s registration directly on the RBI website.
Things to Keep in Mind Before You Apply
- Borrow only what you genuinely need, wedding budgets inflate easily.
- Compare at least 3 apps before applying. Even a small rate difference saves thousands.
- Check the processing fee upfront, some apps charge up to 5.5%, which is deducted from the disbursed amount.
- Do not apply to multiple lenders at once. Each hard inquiry dents your credit score.
- Look at total interest payable over the full tenure, not just the monthly EMI.
- Sort out your repayment plan before the wedding day, not after.
Conclusion
Planning your wedding and need quick funds? Fibe offers instant personal loans up to ₹10 lakh with same-day disbursal – no collateral, no branch visit, zero prepayment charges. Check your eligibility on the Fibe app in minutes.
FAQs On Marriage Loan Apps in India
1. Can I get a marriage loan with a low credit score?
Yes, apps like PaySense, NIRA and KreditBee work with applicants with limited or no credit history. A lower score may result in a higher interest rate – sometimes up to 36% per annum – or a smaller loan amount.
2. How quickly can I get a marriage loan approved?
Most apps disburse within 24 hours. Some, like CASHe and Fibe, complete the process in under 10 minutes for eligible applicants with all documents ready.
3. Is a marriage loan the same as a personal loan?
Yes. It is the same product. Lenders use the term ‘marriage loan’ as a marketing label – the structure, interest calculation and repayment mechanism are identical to a personal loan.
4. What is the maximum amount I can borrow for a wedding?
Anywhere from ₹500 (mPokket) to ₹40 lakh (Bajaj Finserv or HDFC Bank), depending on the app and your income. Most mid-tier apps offer ₹1 lakh to ₹5 lakh.
5. Are marriage loan apps regulated by the RBI?
The apps listed here are registered NBFCs or partner with regulated NBFC lenders. The RBI’s 2022 Digital Lending Guidelines require apps to disclose all fees and the APR upfront in a Key Fact Statement before loan acceptance. Always verify registration on the RBI website before applying.
6. I applied to two apps and both ran a credit check – will this hurt my score?
Each hard inquiry reduces your score by a few points. Multiple applications in a short window compound this. Use soft-inquiry eligibility tools where available to compare offers before committing to a formal application.
7. Can self-employed individuals apply for a marriage loan?
Yes. KreditBee and PaySense accept self-employed applicants. You will typically need bank statements or ITR instead of salary slips as income proof.
8. What happens if I miss an EMI?
Late fees apply, interest accrues on the overdue amount and a negative mark lands on your credit report. If you anticipate a problem, contact your lender before the due date – most lenders offer a grace period or a restructuring option.
9. What is the difference between a flat interest rate and a reducing balance rate?
A flat rate is calculated on the original principal throughout the tenure, making the effective cost much higher than it appears. A reducing balance rate is calculated only on the outstanding principal after each EMI. All the apps listed here use the reducing balance method – the standard in regulated digital lending.
