You would consider yourself to be lucky to have friends or family members that hail from the royal state of Rajasthan. The resident Marwari’s of the princely state are known for their opulence. This can be seen in the architecture, the lip-smacking food and grand celebrations.
Since they believe in everything grand, their weddings are no different. They leave no stone unturned to make their wedding celebrations special. Even if it means taking a personal loan to fund the wedding, and we say, there is nothing wrong with it. To sponsor a gala wedding, sometimes people may fall short of funds. And just for the lack of funds why should one compromise on an occasion as special as a wedding? During such a crisis, a personal loan in form of a wedding loan will come handy.
However, be sure where you are taking your wedding loan from. Always approach a trusted and reputed bank or a financial institution such as Tata Capital to apply for a personal loan. In fact, Tata Capital has a 50-50 Wedding Loan for Equals scheme where the would-be partners can jointly take the wedding loan.
After all, expenses happen on both sides, and this is a relationship of a lifetime so it’s better to share responsibilities from the very onset. The maximum combined wedding loan amount that one can avail in this scheme is Rs 5 lakh, the minimum is Rs 50,000. The best thing about this scheme is that your personal loan application will be processed on the basis of your cumulative eligibility. Once approved, you will not only share the loan but its repayment equally, too. Isn’t it a beautiful thing?
Personal loan eligibility may vary from institution to institution. At Tata Capital, the couple must be more than 24 years old, and individual (for at least one) monthly salary should be Rs 30,000 or more. You just need to fill in a simple form and submit the necessary KYC documents such as address and identity proof, and your personal loan will be sanctioned in no time.
Let’s take a look at where all you can actually use the funds you obtain from the wedding loan because a typical Marwari wedding will have a gamut of pre and post-wedding rituals for which expenses will be manifold. But the good news is you do not have to be tight-fisted once you have a strong support of a wedding loan to sponsor your expenses.
Here go some of the major traditional rituals of a Rajasthani or Marwari wedding:
Sagai: Sagai is the engagement ceremony that’s usually arranged by the groom’s family. This ceremony involves a lot of gifts and sweets and a sword that has to be given by the bride’s family. A wedding loan comes in handy to buy these gifts, as none of the things that need to be given come at an affordable price.
Ganapati Sthapna: Ganapati sthapna is an important pre-wedding ritual that is performed just a few days before the actual wedding. A havan is held, and prayers are offered to Lord Ganesha, seeking blessings for the couple. Everyone knows that conducting a prayer with a huge number of guests can cause a dent in your pocket. A wedding loan, here, comes to the rescue.
Pithi Dastoor: Pithi Dastoor is like a haldi ceremony. Now gone are the days when this used to be completely traditional even with just the women. These days many families are known to combine traditional events with modern pizzazz. A cocktail party along with this ceremony ensures that tradition and fin can go hand in hand. A personal loan for a wedding can help you plan your finances in a proper manner so you can get the best of both worlds.
Mehfils: Mehfils are an integral part of a Marwari wedding ceremony. There was a time when there used to be separate mehfil for the men and women. Those days are gone as both sides make this one fun event. Dressed in the best designer wears, ranging from stunning ghagras and suave kurta-pyjamas for the mehfils, which is accompanied by music and of course, good food. Who wouldn’t want to look their best for this? Now, a mehfil is a cost-intensive affair, and hence it is better to take a personal loan to sponsor these kinds of traditional events that are a must for any Marwari wedding. If you have a wedding loan in hand, you wouldn’t have to be worried all the time about cash flow and expenses.
Janev and Palla Dastoor: Janev is a sacred thread done a day ahead of the wedding. This is also the day when the groom’s relatives bring gifts to the bride’s house for her and her family. It usually consists of the clothes and jewellery that the bride will wear on the wedding day. This is an important ritual and this is one such event where you would be spending the big bucks, especially buying the jewellery. If you have taken a wedding loan, then this expenditure won’t pinch your pockets. Make sure you account for all the things you need to buy so that your wedding loan can cover all this.
Rajput baraat: Finally on the wedding day, the groom arrives he wedding venue atop a horse or an elephant, donning a sherwani-safa and pearl necklace. This can be either at home or a swanky hotel as your venue or planning a destination wedding. Imagine how much you would have to pay to rent an elephant? While it may not cost you a lot, taking a wedding loan to cover such expenditure helps during the wedding.
Jaimala, Granthi Bandhan, Panigrahan and pheras: This is the wedding ceremony when the couple joins in union. The ritual involves a priest who chants a prayer and the sister of the bride ties the bride’s dupatta with the groom’s safa. This Granthi Bandhan or gath-bandhan symbolises their union. Now, who wouldn’t like this union to take place under a mandap decorated with beautiful flowers? Making that mandap will cost you money and your wedding loan is there to help you do it.
Then there is, of course, a reception comprising of good food and music.
Just looking at these rituals you would know that a Marwari wedding is a costly affair. A personal wedding loan would ensure that the bride and groom do not leave any stone unturned and get the wedding of their dreams.