Qbera Open Nav
Simple . Fast . Secure

Wedding Loan HDFC vs Wedding Loan Qbera

Instant online wedding loans
Apply now!
Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Wedding Loan HDFC vs Wedding Loan Qbera

Weddings are once in a lifetime events and everyone wants and dreams it to be perfect; but, this perfect wedding comes at a cost. Although there might be funds set aside for this particular event in life, there might be a disparity between saving and the actual cost. Marriages are quite expensive, especially in India, where there are a number of customs and rituals and a diverse set of formalities associated with each. There is catering, venue, special dresses for the wedding couple and not to mention the gifts to be given to family members, jewelry, the items required for rituals, photographers so on and so forth.

Amid all festivities associated with wedding, do not let the costs become a damper, opt for an instant personal loan. These are unsecured loans so there is no need to pledge any kind of asset with the lender. With increasing players in the field, there are quite a few loan offers with attractive interest rate and flexible repayment tenure to opt from.

Let’s look at the offers of two financial institutions offering instant personal loan for a wedding.

HDFC Wedding loan

HDFC bank has customized personal loan for a wedding and these can be availed in 10 seconds if you are an existing customer with a pre-approved personal loan offer with the added advantage of no documents. The waiting time is no more than 4 hours for a non-HDFC bank customer. The usage of the amount is left to your discretion and the interest rate and tenure too can be adjusted to specifically suit your needs.

  • Salaried individuals can avail the loan
  • The preferred age for a loan is 21-60 years
  • A net salary of Rs 20,000 is a requisite
  • Competitive interest rate
  • No requirement to liquidate assets or investments
  • No restriction on fund usage
  • Flexible EMI and tenure available

Qbera Wedding loan

Qbera, a fintech that amalgamates of finance and technology offers excellent personal loan for marriage. Salaried individuals can avail these instant personal loans even if they have a marginally low credit score. Using the latest risk-calculation algorithms, Qbera is able to determine borrower credibility much more accurately.

  • Low- income of Rs 18000 per month are considered
  • Low CIBIL score considered
  • Preferred age group of 23-55 years
  • Competitive rate of interest
  • Flexible tenure of up to 60 months
  • Ideal for individuals in shared accommodation
  • Flexible usage of funds

Here is a tabular snapshot for easy reference:

HDFC Wedding Loan
Qbera Wedding Loan
Rate of Interest
Starting at 15%
Starting at 10.99%
5 years
5 years
Loan amount
Up to Rs 40,00, 000/-
Up to Rs 25,00, 000/-
Disbursal time
4 hours for existing customers
24-48 hours max
Processing Fee
2.50% of loan amount
CIBIL score 
700 and above
600 and above

The importance of CIBIL score in determining the eligibility of an applicant cannot be undermined. It gives creditors an insight into kind of loans availed and the dexterity in managing repayments. An applicant with a good to excellent credit score can negotiate on the rate of interest that is applicable on the loan. So, it is prudent to be meticulous and make timely payments as well as do periodic credit assessments to maintain the ideal score.

View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


Powered by InCred

We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

© 2021 Qbera | All Rights Reserved