Weddings in India are grand, but often, the celebration comes with a secret burden: years of EMIs. A decent hall now charges ₹1,500–₹2,000 per plate. For 500 guests, the food bill alone can touch ₹10 lakh. Add jewellery, outfits, décor, photography, and music, and the costs skyrocket.

Most middle-class families don’t have ₹10–15 lakh in savings, so they turn to personal loans, gold loans, or even pledge insurance policies. Banks happily offer “wedding loans” with flexible EMIs, making it easy to borrow. But what starts as a short-term solution often becomes a long-term financial burden. Interest rates of 10–24% per annum mean repayments stretch for years, affecting savings, home buying, and even emergency funds.

The problem? Wedding loans don’t create assets. They only pay for memories—photos, videos, and stories—while the debt stays. Many couples delay buying homes, struggle to save, or dip into retirement funds just to manage EMIs. Social media pressure and family expectations push even ordinary weddings into expensive territory.

Tip: Borrow only if it helps build your future, like a home or education, not just for one day of grandeur. A smaller, debt-free wedding ensures financial peace and freedom for years to come.