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I don’t have a PAN Card. Can I still get a Marriage Loan?

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Kushi BL
I don’t have a PAN Card. Can I still get a Marriage Loan?

A marriage loan is a type of personal loans and as the name suggests, it is specifically used to cater to the expenses of a wedding celebration. Explore    Buddy Loan in order to reap more benefit for a marriage loan. Harness the benefits of lowers interest rates and loan repayment tenures of this loan aggregator. Better yet, increase your credit score with this unsecured loan.

Wedding loans often referred to as marriage loan are simply unsecured personal loans used for marriage and reception. Though, most lenders allow for normal personal loans to be used for marriage purposes.

For unsecured personal loans such as marriage loans, submitting the PAN card of the loan applicant is compulsory to the bank. This is so that the bank may check the credit history of the applicant without which a loan cannot be issued. Without a PAN card, most banks do not issue a marriage personal loan.


Even this threshold varies from lender to lender as the loan ranges from 1000 to 15 lakhs with the tenure being from 6 months to a maximum of 5 years. The rate of interest for wedding loans generally start from 11.99% depending on the loaning party.

Other online loan service providers can approve a marriage loan without PAN card, if the applicant can provide alternative documents to support verification of his or her identity and credit history.

Other ways to ensure getting a wedding loan without PAN card are:

Having bank statements: One must understand that personal loan approval is based on the bank credit history that the applicant has. So, in the event that the applicant does not have a PAN card, then he or she must have all their bank statements so that the bank may track them and can approve the loan on that basis.

  • High credit score: Credit score is the crux for getting a personal loan from a bank. The higher the credit score, the easier to get a marriage loan. a good credit score is estimated to be on the upper ranges between 300 and 900. An average score expected to maintain is around 700 to 800.
  • Relation with the bank: This may seem unnecessary, but regardless can greatly impact your loan approval. Having a good relationship with your bank can help you get a marriage loan without a PAN card. If the bank knows your financial situation and you have managed to establish proper rapport with them, then they might be able to help you in getting the wedding loan regardless of a PAN card.
  • NBFCs: There are many online lenders and NBFCs out there that readily offer marriage loan and personal loan to willing applicants. Many such lenders do not consider PAN cards to be mandatory for their eligibility criteria as the applicant does not possess one, thus making them ideal to approach for a marriage loan.
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