Marriage Loan by Government in India (2025): Schemes, Eligibility and How to Apply

Getting married in India is a huge moment—families celebrate, everyone comes together, and there’s this real sense of joy. But weddings? They’re not cheap. Not every family can pull it off without some help. That’s where the government steps in.That’s where government support steps in. Across the country, you’ll find a bunch of schemes and programs set up to make things easier, especially for families who need a little extra help. These aren’t your standard bank loans. Instead, they offer direct support or structured aid to ease the financial pressure. In this article, we’re diving into the main government marriage loan schemes you’ll find in different states. Here’s how it works. We’ll break down who gets to apply, what you need to have ready, and how to go about it, using real-life examples that actually fit what Indian families go through.

What is a Marriage Loan by Government?

A marriage loan from the government usually means one of two things:  

• Direct financial support from central or state governments to help with wedding costs.
• Subsidized loan programs offered or supported by government agencies help reduce the financial burden on couples getting married or their families. These programs work to encourage financial inclusion, assist economically disadvantaged groups, and support social welfare without depending on high-interest private loans.

Categories of Government Marriage Support:

In this article, most government marriage loans refer to the first category: direct financial aid or support.

Central Marriage- Related Support Initiatives (Context):

The Government of India has not consistently launched a nationwide wedding loan scheme under a single program. Instead, state governments manage most of these initiatives. However, government-backed loan portals like Jan Samarth and credit guarantee platforms help people access loans for different personal or social needs. It is important to distinguish between government-backed loans, such as those from Jan Samarth, and direct cash transfers from specific marriage assistance schemes.

State- Wise Government Marriage Schemes (2025):

Below are some significant programmes in force in 2025: 

1. Telangana: Kalyan Lakshmi and Shaadi Mubarak Scheme:

Telangana’s Kalyana Lakshmi – Shaadi Mubarak Scheme has been around for a long time, helping families cover marriage expenses. If you’re eligible, you get about ₹1,00,116 to help with the costs. The real goal here is to give a hand to families struggling financially and to stop child marriages. Usually, you can apply online through the Telangana ePass portal, or just head to one of the designated help desks.

2. Andhra Pradesh: YSR Shadi Tohfa Scheme:

The YSR Shaadi Tohfa Scheme supports Muslim girls’ marriages by offering:

• ₹1,00,000 in financial aid for marriage expenses. 
•  Applicants need to meet income and document requirements, which include verifying age and completing minimum education.

You can apply online through the Navasakam Beneficiary Management Portal or submit the necessary forms in person at local offices.

3. Jammu and Kashmir Marriage Assessment Scheme:

If you qualify, you get a one-time payment of ₹50,000 or maybe even more, sent right to your bank account. To get this, you need to be in either the Antyodaya Anna Yojana (AAY) or Priority Household (PPH) groups, be above the legal age for marriage, and make sure you apply at least a month before your wedding date. That’s it—simple steps, real support.

4. Haryana- Mukhyamantri Vivah Shagun Yojana:

In Haryana, the financial help runs from ₹31,000 to ₹71,000, depending on your category. It’s aimed at groups like daughters of widows, orphans, and families from SC or BC backgrounds. This money takes some of the pressure off families when it comes to their daughters’ wedding expenses. You can apply online through the Antyodaya-Saral portal, or just go offline if that’s easier.

5. Karnataka Scheduled Caste Marriage Assistance: 

In Karnataka, the scheme gives ₹50,000 to married couples from the Scheduled Caste category, offering real support when it’s needed most.

6. Other State Programmes: 

Other notable programs have been put in place in various states, but they may change each year. These include Maharashtra's minority wedding incentives, Tamil Nadu's Muthulakshmi Reddy Marriage Assistance (₹25,000 to ₹50,000 plus gold), and West Bengal's Rupashree Prakalpa (₹25,000).

These schemes vary in criteria, cash amounts and timelines.

Eligibility Criteria (General View):

Although the specific rules vary by scheme and state, here are commonly required eligibility conditions:  

• Age of bride/groom: Must meet the legal marriage age, usually 18 or older for the bride and 21 or older for the groom.  
• Residency: The applicant must be a resident of the host state.  
• Income limits: Family income must be below certain thresholds, which vary by scheme.  
• Ration card category: Some schemes require a specific group classification, such as AAY, PHH, SC, ST, etc.  
• Documentation: Typically required documents include proof of identity, income, caste or minority status, marriage certificate, and bank details.

Documents Typically Required: 

Most government marriage loans require similar documents:  

• Aadhaar card for the bride and groom.  
• Proof of residence, such as a ration card, voter ID, or utility bills.  
• Income certificate.  
• Marriage invitation or certificate.  
• Caste or minority certificates, if applicable.  
• Bank account details for Direct Benefit Transfer (DBT).  

How to Apply?

Though application steps differ by scheme and state, you can follow this general process:

Step 1: Confirm Eligibility  

Visit the official government website of your state to check the specific eligibility conditions for the scheme you want to apply for.

Step 2: Gather Documents  

Make sure all required certificates and identification documents are ready and filled out correctly.

Step 3: Online Application  

Most state schemes allow online applications through official portals such as:  

• Telangana ePass  
• Navasakam Beneficiary Management Portal (Andhra Pradesh)  
• Jansugam Portal (J&K)  
• Antyodaya-Saral (Haryana)  
• Upload scanned copies and submit your application.

Step 4: Offline Submission  

If online options are not available, print the form, attach your documents, and submit them at the relevant Social Welfare Office or district office.

Step 5: Verification & Approval  

Government officials will verify the documents and eligibility. If approved, the assistance amount will be transferred directly via DBT.

Note: Deadlines and application windows vary by scheme. Always check the official website for the exact timelines.

Comparative Table: Key Indian Government Marriage Scheme:

This table offers a quick comparison of benefits by state. It helps you see which program might be right for you.

How Does Marriage Loan by Government Differ From Bank Weddings Loans?

While government schemes provide direct financial aid based on eligibility and social criteria, bank wedding loans, such as personal loans, are available to any qualified applicant who meets credit criteria like income and credit history. Government schemes do not require repayment, but bank loans do.

Important Notes Before You Apply:

Always use official state or central government websites. Don’t pay intermediaries for help, as governments offer free application support. Be mindful of deadlines, since some schemes have strict timeframes around wedding dates.

Understanding Government-Backed Loan Options:

Although not officially recognized as marriage loan schemes by the government, platforms like Jan Samarth gather government-linked credit options that may include instant personal loan if you meet the eligibility criteria. These can be helpful if you need extra funds beyond direct assistance.

Conclusion: Choosing the Right Support with My Mudra:

Government initiatives in India have made steady progress in 2025 to help financially weaker families manage marriage expenses. Whether through direct cash schemes at the state level or centralized support portals, eligible couples and their families can benefit greatly. 

Weddings can get expensive fast, and we get it — planning the finances is stressful. At My Mudra, we make it easier. You can check out different loan options with us, from personal loans to government-backed credit and custom solutions, all laid out clearly so you actually know what you’re getting into.

Here’s what we do best: We help you figure out which loan fits you, not just toss random products your way. We make checking your eligibility quick and the application process simple. Plus, we compare personal loans for you and keep you in the loop about government programs, including what you qualify for in your own state.

If you need a complete review of your options, combining direct assistance schemes and supported loan products, My Mudra is your go-to partner.

Also Read:
- What is the Process for Applying for a Marriage Loan
- Top Banks for Wedding Loans in India [2025]